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About us

Idram Payment System operates in Armenia since 2004 providing convenience to customers for payments online and offline.

The system is operated by Idram LLC (State Registration Certificate), which was granted a license from the Central Bank on December 29, 2009 (License N13 for money transfers).

Idram was the first in Armenia to receive authorization from the Central Bank to issue electronic money in 2012.

Idram was granted a license on providing processing and clearing of payment instruments, payment and settlement documents according to the CBA Board’s decision on 31 March, 2016.


Idram aims to:

  • promote the usage of electronic money facilitating the development of e-commerce in Armenia
  • offer the customers the most convenient online tool for making fast and secure online payments
  • shorten the distance and time for executing local and international money transfers


Idram provides possibility to make online payments to more than 100 service providers.

Organizational structure

In 2012 Idram introduced the first Armenian mobile wallet, which immediately became the prefered online payment tool for thousands of customers.

Mobile application is available on iOS and Android platforms and can be downloaded for free.

Headquarters: 48/1 Nalbandyan str., Sakharov business centre, Yerevan 0010, Armenia, phone: 060 705 700, email:

Update works are being carried out in Idram system
Dear users, update works are being carried out in Idram system, as a result of which the services of the Banking section will not be available on November 21 from 04:00PM to 04:00AM, in particular, transfers between IDBank bank cards and accounts, replenishment of IDBank accounts and repayment of IDBank loans. All othe...
Changes in the list of Idram branches
Starting from November 17, the branches of "Ohanov City" and "Komitas City" will not be served."Arshakunyats" and "Armavir" branches will be available with their normal working schedule.
Transfer from Russia to Armenia with only 0.5% commission, via new IDpay application
IDpay is a new and simple app for transfers from Russia to Armenia with the lowest 0.5% commission *. The app allows instant replenishment of IDBank customer cards / accounts by phone number.To receive transfers via Idram app you need to synchronize Idram and IDBank accounts, and if you are not an IDBank customer, simp...
Idram app already available in Huawei App Gallery
Idram app is already available on the Huawei App Gallery. Download and make your payments and transfers in the fastest way.