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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:

А new service: Aregak UCO's loan repayments
Aregak Universal Credit Organizations debtors can nowmake their regular payments at Idram branches, on, via Idram Mobile Wallet and Idram terminals. The transfer of payments is made instantly. Payments made on non- working days will be transferred next work day.
New branches in Gegharkunik
Idram has launched two new branches. Our users can now make payments and money transfers in the newly opened branches of U!Pay at the addresses151a Nairyan str. in Sevan and 50/1 Yerevanyan Martuni. Idram already provides services in 52 branches, which are located in Yerevan and several other cities of Armenia ...