زروقي شهرة -منصور هدى -2025-07-082025-07-082025https://repository.univ-msila.dz/handle/123456789/46779This study aims to address the topic of the electronic payment card as a modern means of payment that has emerged as an alternative to cash in the fulfillment of financial obligations. It operates within a specific mechanism governed by contracts concluded between multiple parties. The legal basis of the electronic payment card has sparked significant debate among legal scholars, due to its novelty on the one hand, and its unique characteristics that distinguish it from other traditional payment methods on the other, particularly its reliance on complex legal relationships among various parties. Given these particularities, it becomes essential to determine the legal nature of the electronic payment card in order to establish a developed legal framework whose provisions can be applied to this instrument. This framework should take into account its dual nature as both a means of payment and a credit tool, and should aim to develop clear legal rules to govern the relationships arising among its stakeholdersotherElectronic cardelectronic paymentforgerymerchantbank.Thesis