ArCa (Armenian Card)Armenia’s national card system, backed by a direct fiscal incentive for usage, a rare public-policy lever for promoting a domestic scheme.Armenian Card CJSC (ArCa)
Global registry · Asia-Pacific · Central Asia
Armenia Payment systems
3 systems listed.
This country doesn’t have a written market analysis yet: e-commerce shares, regulator, and key players are still to be documented. The systems below, however, are verified.
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Card schemes
Wallets
IdramArmenia’s oldest and most widely used e-wallet, backed by a dense network of self-service payment kiosks.Idram (with Idram Bank)More than 300 services payable from the wallet (Idram, n.d.).
Telcell WalletArmenia’s second wallet and self-service kiosk ecosystem, a direct competitor to Idram in bill payments. It now goes well beyond the wallet: digital Visa cards, PartPay installment payments, QR transit tickets, and merchant acceptance through Telcell Business.Telcell (Armenian payment organization supervised by the Central Bank of Armenia, which runs a network of self-service kiosks alongside the wallet.)more than 900,000 users claimed (Telcell, 2026)