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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 website is available in 3 languages and 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: 060 700 700, email:

Changes in the March 8 working schedule
Dear users, We are informing youthat on March 8 - non-working day. The head office, the office of the mayor and the district offices of Yerevan, as well as the branch of Armavir-2 will not to work. Arshakunyats Office and Komitas City Ohanov will work on the regular schedule. The contact-center and online service i...
Changes in U!Pay branches
Dear users, We are informing you thatfrom4th of March U!Pay brancheswill be servicing "Ucom" CJSC as a separate payment organization. Serving users of "Idram" in branches U!Pay will go on in the ordinary mode. Looking back on the updated branch of the company with limited liability "Idram" will be available following...