Small and Medium-sized Enterprises (SMEs) in Algeria are not using e-commerce much. The main reasons are problems with e-payment methods, banks not being ready, lack of legal protection, and not knowing the benefits of e-commerce. These factors make SMEs afraid of the risks involved. Other factors have less impact on e-commerce adoption. By understanding these barriers, SME leaders and Algerian officials can create strategies to help SMEs benefit from e-commerce.