Payments and Money Transfers in Armenia

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Armenia's payment infrastructure is actively developing, covering both digital wallets and offline services. As of 2026, 8 companies operate in the market, offering e-wallets, mobile applications, self-service terminals, and money transfer services.

The combined infrastructure includes 9 100+ terminals, 800+ services, and the capability for international transfers from dozens of countries. Through these payment systems, users can pay for utilities, internet, mobile communication, fines, and taxes, transfer money between cards and wallets, top up online services, and make purchases.

The most well-known companies in Armenia are Telcell, EasyPay, Idram, UPay, Fast Shift, HayPost Pay, MobiDram, and TeamPay. Each develops its own infrastructure and offers different payment and transfer scenarios.

For instance, Telcell possesses the largest terminal network with over 4 000 devices, while EasyPay offers the widest service catalog – up to 800 – 1,000 types of payments. Idram specializes in cashless QR payments and maintains the largest network with 26 000+ points of sale.

In addition to mobile apps, physical service points play a vital role. For example, HayPost provides access to payments through 900 post offices, including small settlements and border regions. This allows users to choose their preferred format: paying via terminals, using an e-wallet, or receiving foreign currency transfers from abroad.

The choice depends on how you plan to use the service:

• Need terminals nearby? Choose Telcell or EasyPay – they have the largest networks of devices across the country.
• Need an e-wallet with a card? Telcell Wallet is a suitable option, offering the ability to issue a Visa Digital card.
• Need to pay utilities online? Idram, EasyPay, or UPay are convenient, allowing payment for most services via their apps.
• No smartphone or need offline service? HayPost branches can be used.

1. Can I pay for utility services through terminals?

   Yes. Most Telcell, EasyPay, and other system terminals support payments for water, gas, electricity, internet, and TV.

2. Is it possible to pay for services without a bank card?

   Yes. You can pay with cash via terminals, and some services allow you to pay directly from your e-wallet.

3. Can I pay utilities via an e-wallet?

   Yes. Most systems support utility payments: Idram, EasyPay, Telcell Wallet, UPay, TeamPay, and MobiDram. Payment is available through mobile apps or terminals.

4. Where can I pay fines or taxes in Armenia?

   Government payments can be made through Telcell and EasyPay terminals, as well as via Idram and other payment services.

5. What is the difference between Idram and Telcell?

   Idram focuses on QR payments and mobile-first payment scenarios. Telcell combines an e-wallet with the largest terminal network, offering more offline payment points.

6. How do I find the nearest payment terminal?

   The easiest way is to use the terminal map within the Telcell or EasyPay apps, which displays the closest devices.

7. Which e-wallet is suitable for transfers from Russia?

   For transfers from Russia, Idram, EasyPay, and HayPost Pay are most commonly used, as they support international money transfers, including foreign currency operations, and integration with banking systems.