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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:

Idram and IDBank jointly draw 2 FIAT 500
Pay contactless, touch as much as you wish. Idram and IDBank jointly draw 2 FIAT 500. For participation make at least 1,000 AMD QR/NFC cashless payments via Idram or other payments starting from February 12 to May 31 according to the rules and get an electronic coupon on Idram account. There is no need to print the rec...
Working schedule of January 28
Dear users, please, be informed that on January 28, the company's head office and Armavir branch will not serve. The Contact Center, Technical Support Center and the Yerevan Mall branch will be available in the usual working schedule.
Termination of transfers
Dear users, Please, be informed that transfers to and from Yandex Money have been temporarily terminated by Yandex. The change is due to the order of the Central Bank of the Russian Federation, according to which transactions of companies and/or non-resident individuals are restricted. We will inform you about the re...
Card Agro Credit UCO commission change
Dear users, please be informed that the commission fee for Agram Card Agro Credit payments via Idram has been changed. Starting from January 15, 2021, in the Idram system for repayments of Card Agro Credit credit organization loans will be available the following commissions; up to 15,000 AMD - 100 AMD 15,001-35,...