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Jozdan

Can a Sharia-compliant BNPL and payment gateway become the dominant embedded payments infrastructure for Algerian e-commerce?

HQAlgeria
IndustryFintech / BNPL
The story

Jozdan launched as a Sharia-compliant BNPL platform and payment gateway focused exclusively on the Algerian market. Its core proposition is enabling e-commerce merchants to offer flexible, interest-free instalment payments compliant with Islamic finance principles. The company positions itself as a developer-friendly platform with APIs for payment processing and customer management, targeting both merchant partners and end consumers.

Last 12 months
The stack
1 layer disclosed in Jozdan’s embedded-finance stack
Lending
Sharia-compliant BNPL — split in 4 installmentsPay later in 30 days
Accounting gap: significant