EasyPay: what tasks the terminal near your home can solve and how much you can save on frequent transactions

Through an EasyPay terminal, you can pay utility bills, internet and TV services, repay a loan, top up a bank account or digital wallet, and make state payments. For most transactions, it is enough to know the utility account number, phone number, vehicle number or loan agreement number and have cash with you.

The main advantage of EasyPay is accessibility. There are more than 4,000 terminals installed in Armenia, making the network one of the largest in the country. The devices are located in residential areas, supermarkets, pharmacies, shopping centres, banks and government institutions. Thanks to this coverage, there is a high chance of finding a terminal near your home, workplace or usual store.

However, the nearest terminal does not always mean the lowest fee. Basic utility services can be paid through EasyPay free of charge, while additional fees may apply for repaying some loans or topping up bank accounts.

Let’s look at what tasks an EasyPay terminal can solve and how much you can save if you compare not only the fee for the last payment, but the total cost of the entire transaction.

What counts as frequent transactions

By frequent transactions, we mean payments that a user makes regularly - usually at least once a month.

These include:

1. payment for electricity, gas and water;
2. mobile top-ups;
3. payment for internet and TV;
4. monthly loan repayments;
5. digital wallet top-ups;
6. money transfers between a wallet and a bank card.

Fines, state duties, insurance payments, tuition fees and medical service payments are also available through EasyPay, but most users make these payments irregularly. Therefore, such transactions usually have less impact on annual expenses.

Even a small fee becomes noticeable if it is repeated every month. For example, 200 Armenian drams per transaction already equals 2,400 Armenian drams per year, while 450 Armenian drams equals 5,400 Armenian drams.

What tasks an EasyPay terminal can solve

A terminal can replace a visit to a bank, post office, service provider’s cash desk or government institution.

Utility payments

Individuals can pay for basic utility services through EasyPay with no fee.

Different terms apply to waste collection payments:

1. from 1,001 to 50,000 Armenian drams - a fee of 300 Armenian drams;
2. over 50,000 Armenian drams - a fee of 0.7%.

Before inserting cash, check the fee on the terminal screen. The terms may depend on the provider and payment amount.

Cash loan repayments

Through EasyPay, users can repay loans issued by banks, microfinance institutions and credit organisations.

For a number of organisations, for example ARFIN CU, Universal Credit and AYO Credit, the terminal fee is 400 Armenian drams.

Some lenders accept payments with no fee. Therefore, there is no single tariff for all credit organisations.

Before inserting cash, check:

1. the lender’s name;
2. the agreement number;
3. the borrower’s details, if they are displayed;
4. the payment amount;
5. the fee;
6. the time required for the funds to be credited.

Keep the receipt until the payment appears on the loan account.

Topping up bank cards and accounts

EasyPay terminals can be used to top up cards and accounts of a number of Armenian banks.

The fee is set by the bank. It may depend not only on the amount and type of transaction, but also on the location of the terminal.

For example, topping up an Evocabank account through a third-party EasyPay terminal for an amount of up to 100,000 Armenian drams costs 300 Armenian drams. If the terminal is located directly inside an Evocabank branch, the transaction is processed with no fee.

Payment for internet, TV and mobile services

Through EasyPay, users can pay for services from Team, Viva, Ucom and other providers of mobile, internet and TV services.

In 2026, the availability of payments for Armenian telecom operators through independent payment systems changed. Therefore, before inserting money, check:

1. whether the operator is available in the terminal menu;
2. which fee is shown;
3. whether the phone number or agreement number has been entered correctly.

State payments and fines

Through the terminal, users can pay:

1. road police fines;
2. fines from traffic cameras;
3. obligations related to vehicles with foreign licence plates;
4. parking fees;
5. fines for parking violations;
6. selected services of government agencies;
7. payments to civil status registration authorities.

The terminal is especially convenient if you need to make a state payment in cash or if the user is not registered in the relevant online service.

Other services

The EasyPay catalogue also includes:

1. insurance companies;
2. medical centres;
3. educational institutions;
4. taxi services;
5. online platforms;
6. digital wallets.

Therefore, several different bills can be paid through one device without visiting the office of each organisation.

How easy is it to find an EasyPay terminal nearby?

There are more than 4,000 EasyPay terminals operating in Armenia. The network covers not only Yerevan, but also regional cities and smaller settlements.

EasyPay is among the market leaders with a large terminal network. This increases the likelihood that the user will not need to travel to another district or look for a bank branch.

Many terminals operate 24/7. However, the actual availability depends on the installation location. For example, a terminal inside a supermarket is available only during the store’s opening hours.

How to understand which payment method is more cost-effective?

For an objective comparison, it is not enough to look only at the fee for the final payment.

The total cost of a transaction may include:

1. a fee for topping up a digital wallet;
2. a fee for the payment itself;
3. a fee for transferring or withdrawing funds;
4. possible cashback;
5. additional expenses, such as travelling to a cash desk or bank.

The calculations below include only direct monetary fees. Time savings and transport expenses are not included, because they depend on the user’s place of residence and personal habits.

The monthly fee is multiplied by 12. This helps show how much the user actually spends over a year.

How much can you save on utility payments?

Most digital wallets also do not charge a fee directly for utility payments. Therefore, the savings depend not only on the service payment fee, but also on how the user tops up the digital wallet in advance.

If the wallet is topped up free of charge from a bank card or through its own infrastructure, there may be no direct monetary difference compared with EasyPay. If a top-up fee is charged, it may be more cost-effective to pay utility bills directly through an EasyPay terminal.

When direct payment through EasyPay is more cost-effective

Let’s consider a user who spends 50,000 Armenian drams per month on electricity, gas and water.

For example, when topping up Idram in cash by 50,000 Armenian drams, a 0.6% fee will amount to 300 Armenian drams. If the user repeats this transaction every month, they will pay 3,600 Armenian drams over a year.

When paying for electricity, gas and water directly through EasyPay, the fee is 0 Armenian drams. In this scenario, the user can save 3,600 Armenian drams per year.

The same principle applies to other services. If a Fast Shift top-up costs 200 Armenian drams, annual expenses will amount to 2,400 Armenian drams. If a user tops up HayPost Pay by 50,000 Armenian drams with a 0.9% fee, they will spend 5,400 Armenian drams over a year.

How to choose the most cost-effective method

Before paying utility bills, compare not only the fee for the payment itself, but the entire sequence of actions: topping up the wallet and paying the utility bill.

If both steps are free of charge, a digital wallet and EasyPay are equal in terms of direct expenses. If topping up the wallet is paid, direct payment through EasyPay can save from several hundred Armenian drams per month to several thousand Armenian drams per year.

At the same time, EasyPay is especially cost-effective for users who pay in cash. For bank card holders, a digital wallet or banking app may be just as cost-effective, while also allowing them to pay bills without leaving home.

How much can you save on loan repayment?

Loan repayment is one of the most important frequent transactions, because the payment is usually made every month.

For a number of credit organisations, the fee through an EasyPay terminal is 400 Armenian drams. Through Fast Shift, loan repayment costs 200 Armenian drams.

The difference is:

1. 200 Armenian drams per payment;
2. 2,400 Armenian drams per year.

In this case, Fast Shift may be more cost-effective if:

1. the required lender is available in the app;
2. the fee for this lender is indeed 200 Armenian drams;
3. the wallet is topped up free of charge;
4. the money is credited within the required timeframe.

If topping up Fast Shift in cash requires an additional fee of 200 Armenian drams, the total cost of the transaction will be:

1. 200 Armenian drams for the top-up;
2. 200 Armenian drams for the loan repayment;
3. 400 Armenian drams in total.

In this scenario, the monetary benefit compared with EasyPay disappears.

Therefore, it is important to compare not only the loan repayment fee, but the entire chain: wallet top-up + loan payment.

Can cashback be more profitable than a free payment?

Some digital wallets not only allow users to make payments with no fee, but also offer bonuses.

For example, according to the provided data, TeamPay offers 5% cashback on utility payments.

With monthly utility payments of 50,000 Armenian drams, the potential reward would be:

1. up to 2,500 Armenian drams per month;
2. up to 30,000 Armenian drams per year.

This may be more profitable than a free payment through EasyPay, because the terminal does not return part of the amount spent.

However, cashback should not automatically be considered guaranteed savings. Before making a payment, check:

1. whether the offer is valid on the current date;
2. which utility services are included;
3. whether a monthly limit applies;
4. in what form the reward is credited;
5. whether the bonuses can be used like regular money;
6. whether there is a minimum transaction amount.

If cashback is credited in points and comes with restrictions, its actual value may be lower than its nominal value.

How much can you save over a year?

These amounts describe different payment methods.

For example, a user:

1. pays 50,000 Armenian drams for utilities every month;
2. previously topped up Idram in cash;
3. repays a loan through EasyPay with a fee of 400 Armenian drams.

They can:

1. pay utility bills directly through EasyPay and save 3,600 Armenian drams per year;
2. repay the loan through Fast Shift for 200 Armenian drams and save another 2,400 Armenian drams per year.

The total estimated savings would be 6,000 Armenian drams per year.

However, this applies only if Fast Shift is topped up free of charge. If an additional 200 Armenian drams is charged for the top-up, the savings on the loan payment disappear.

How to save on frequent transactions

1. Do not top up a wallet with a fee just to make a free payment

A utility service may be paid with no fee, but topping up the wallet may cost 0.6–0.9% of the top-up amount.

If the same service can be paid directly through EasyPay free of charge, the intermediate top-up increases costs without providing additional benefit.

2. Calculate the full payment chain

The fee for repaying a loan may be 200 Armenian drams, but topping up the wallet may cost another 200 Armenian drams.

As a result, the total cost reaches 400 Armenian drams and becomes comparable to the EasyPay tariff.

3. Check the tariff of the specific lender or provider

Fees differ. One lender may accept payments through EasyPay with no fee, while another may charge 400 Armenian drams.

Before inserting money, find the specific organisation and check the final fee on the screen.

4. Use free top-up from a bank card

If a digital wallet can be topped up from a card with no fee, it may be just as cost-effective as an EasyPay terminal, while also being more convenient thanks to templates and remote payment.

5. Check cashback and its restrictions

Cashback may bring more benefit than saving on fees. However, it is important to consider limits, the validity period of the offer and the rules for using bonuses.

6. Do not choose one service for all transactions

An EasyPay terminal may be cost-effective for direct cash payment of utility bills, but more expensive for repaying certain loans.

For each transaction, it is worth comparing separately:

1. EasyPay;
2. a digital wallet;
3. a banking app;
4. the provider’s official service.

When EasyPay is especially convenient

You use cash

Through a terminal, you can pay for most services without a bank card and without topping up a digital wallet in advance.

You do not have a smartphone

For standard utility, loan and state payments, an app is usually not required.

The exception is selected banking transactions, which may require additional confirmation.

You need to pay for several services

Through one terminal, you can pay utility bills, internet, a loan, a fine and other bills.

There is no bank branch nearby

More than 4,000 terminals make EasyPay especially useful in districts and settlements where there are few bank branches.

The payment needs to be made outside banking hours

Many terminals are available in the evening and on weekends. However, the operating hours depend on the location where the device is installed.

Which transactions may require verification?

Since April 2026, additional confirmation may be required for:

1. topping up a bank card;
2. topping up a bank account;
3. topping up a deposit.

The transaction can be confirmed through:

1. easywallet;
2. imID;
3. ArcaQR in a supported banking app.

According to the provided data, this verification is not required for paying electricity, gas, water, repaying a loan and most other services.

In this case, imID is used to confirm a specific transaction at the terminal. It should not be confused with full identification of a digital wallet.

How to pay for a service through EasyPay safely

1. Select the payment category.
2. Find the exact name of the provider or lender.
3. Enter the agreement number, utility account number, phone number or vehicle number.
4. Check the recipient’s details.
5. Check the fee and the amount to be credited.
6. Complete confirmation if it is required.
7. Insert cash.
8. Keep the receipt until the payment is credited.

Do not complete the transaction if the recipient’s name, outstanding amount or fee differs from what you expected.

FAQ

Is EasyPay the largest terminal network in Armenia?

EasyPay operates one of the largest terminal networks in the country, with more than 4,000 terminals. Among the services reviewed, Telcell reports a larger number of devices — more than 4,500.

Can you find an EasyPay terminal near your home?

Terminals are located in residential areas, shops, pharmacies, shopping centres and government institutions across Armenia. Thanks to a network of more than 4,000 devices, the chances of finding a terminal near your home or workplace are high.

It is better to check the exact address and operating hours on the official EasyPay map.

Does EasyPay charge a fee for utility payments?

Electricity, gas and water payments for individuals are processed with no fee within the established limits. Separate tariffs apply to waste collection and some other services.

Which is more cost-effective: EasyPay or Idram?

For direct cash payment of utility bills, EasyPay may be more cost-effective, as the fee is 0%. Cash top-up of Idram through a terminal costs 0.6%.

If Idram is topped up from a bank card with no fee, there may be no monetary difference.

Which option is more cost-effective for loan repayment?

It depends on the lender. For some organisations, the EasyPay fee is 400 Armenian drams.

Do you need a smartphone to pay through EasyPay?

For most regular payments, a smartphone is not required. It may be needed when topping up a bank card, account or deposit if the transaction requires verification.

How much can you save over a year?

In the scenarios reviewed, direct utility payment through EasyPay allows users to save:

1. 3,600 Armenian drams compared with monthly Idram cash top-ups of 50,000 Armenian drams;
2. 2,400 Armenian drams compared with paid Fast Shift top-ups;
3. 5,400 Armenian drams compared with topping up HayPost Pay from a card by 50,000 Armenian drams.

These are examples, not a universal amount. Actual savings depend on your transactions and the top-up method you choose.

Conclusion: how much can you save with EasyPay?

EasyPay solves two main tasks: it allows users to pay for a wide range of services in cash and removes the need to visit a bank branch or a provider’s cash desk.

With more than 4,000 devices, the network is one of the largest in Armenia. This means there is a high chance of finding a terminal near your home, workplace or usual store.

For electricity, gas and water payments, EasyPay is comparable to most digital wallets: the fee is 0%. Savings appear when an alternative payment method requires a paid top-up.

With monthly utility expenses of 50,000 Armenian drams, users can save:

1. 3,600 Armenian drams per year compared with topping up Idram in cash;
2. 2,400 Armenian drams per year compared with a paid Fast Shift top-up;
3. 5,400 Armenian drams per year compared with topping up HayPost Pay from a card.

On AFM, you can compare digital wallets in Armenia, their top-up methods, fees and additional features. Choose the right channel for each transaction and avoid overpaying for regular payments.