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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:

September 21 working schedule
Dear users, since September 21st is non-working day, the company's Head office and Armavir branch will not be serviced. The branches of "Arshakunyats", "Komitas City", "Ohanov City" and Contact center will be available with its normal work schedule.
For QR/NFC payments via Idram application IDBank gives additional 5% cashback
Startingfrom September 16 until November 16, IDBank gives additional 5% cashback to the clients that made 8 and more QR/NFC transactions monthly via Idram application.By making QR/NFC payments in Idram application it is necessary to choose one of the following as a payment method: IDBank account IDBank card (besi...
The second stage of the "Power of one dram" project has started
The second stage of the "Power of one dram" program started on August 24. As a large fire in a park near the Tsitsernakaber Memorial this summer caused significant damage to the environment, Idram and IDBank, together with the Armenia Tree Project, decided that the entire amount of one drams collected from August 24 t...
The first program of the "Power of one dram" initiative was summed up
The first program of the "The Power of one dram" initiative was summed up. As we announced before, Idram and IDBank transferred 1 AMD for each payment made through the Idram application, website, online platform, IDBank and Idram terminals from their funds to the initiative from June 5 to August 23. As a ...