Accept card payments in Armenia

~3M

population; a digital-leaning Caucasus market

ArCa

the domestic card system

Idram + Telcell

the leading local wallets

Diaspora

large communities abroad paying with foreign cards

Sources: central bank and provider disclosures, 2024–2025.

How Armenia pays

Armenia has its own domestic card system, ArCa, which many local bank cards run on alongside Visa and Mastercard. Everyday digital payments also run through the local wallets Idram and Telcell, used for bills, transfers and online shopping, and through mobile banking apps, while cash still covers part of daily spending.

A large diaspora in Russia, the US, France and elsewhere pays for goods and services at home with cards issued abroad, and Yerevan's tech sector brings a steady flow of cross-border business. For a merchant, the value is a clear starting point: international cards and express wallets behind one integration, 3DS on card-not-present payments, and retries across acquirers, with dram pricing and FX handled for you.

Why merchants run on us here

Cards and wallets live today

International card acquiring and the express wallets, available now.

How Armenia pays

Local cards on ArCa and the Idram and Telcell wallets are the everyday rails.

Diaspora-ready

Armenians abroad pay with foreign-issued cards, so routing by card origin matters.

Dram pricing and FX

Price in AMD and settle in your base currency, with FX handled for you.

Payment methods

Cards

Visa

Mastercard

American Express

Discover

Diners Club

JCB

UnionPay

Buy Now, Pay Later

Sandbox BNPL

Digital wallets

PayPal

Express checkout

Apple Pay

Google Pay

Link

Gateways

Sandbox BNPL

PayPal

Airwallex

Stripe

Adyen

Unlimit

Worldpay

Checkout.com

Authorize.net

MPGS

Cybersource

Sandbox Gateway

Airwallex (Enterprise)

Braintree

CommerceHub

Fiserve

NMI

Nuvei

Orbital

Built for enterprise

Everything it takes to run payments in Armenia

Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat Armenia like any other market in your stack.

One integration, growing local coverage

Connect once for what's live in Armenia today — including international card acquiring — and add local wallets and bank rails through the same integration as we bring them online.

Local acquiring, higher approvals

We route to local acquirers and retry failed payments across alternate rails, so domestic cards and wallets authorize at local rates instead of being declined as cross-border traffic.

Settlement, FX & repatriation

Collect in the Armenian dram (AMD) and settle in your base currency. We handle the FX conversion and the local rules for moving funds out of the country — the part most global merchants underestimate.

Licensing handled locally

We're establishing locally licensed partners so you can process in-country as we expand local coverage — without standing up your own entity or chasing a license.

Payouts & reconciliation

Pay out to sellers and process refunds on the same rails you collect on, and reconcile every flow — pay-in, payout, refund — in one ledger, in local or base currency.

Fraud, disputes & compliance

Real-time screening, chargeback and dispute handling, and KYC/AML that matches local regulator expectations — built in, not bolted on.

Ready to launch in Armenia?

Talk to our payments team about going live in Armenia — coverage, local acquiring, settlement and timelines for your business.

Talk to our payments team Read the docs