Armenia features a well-developed system of payments and money transfers for individuals. These services allow for utility, internet, and mobile communication payments, transfers between cards and e-wallets, receipt of international transfers, including in foreign currency, and payment of government services and fines.
E-wallets
Idram, Telcell, EasyPay, and others. Compare commissions, limits, and available services.
Utility Services
Payment for electricity, gas, water, and internet – fast and with no commission.
Transfers
Money transfers within the country and abroad via Armenian payment systems.
Payment Terminals
A network of self-service terminals for cash and cashless payments throughout Armenia.
Advantages of Online Payments
- No queues and no unnecessary steps
- Pay for services in just a few minutes directly in the app – no bank visits or terminals required.
- Cashback and Promotions
- Receive bonuses and refunds when using electronic wallets.
- 24/7 Availability
- Services operate 24/7, and payments are available even on holidays and weekends.
All Money Transfer options in Armenia
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.
The most well-known companies in Armenia are Telcell, EasyPay, Idram, UPay, Fast Shift, HayPost Pay, MobiDram, and TeamPay.
