HayPost Pay digital wallet

A convenient digital wallet especially for regional users, providing seamless access to financial services through an extensive network of post offices across the country.

HayPost Pay

Services and fees — HayPost Pay

700+ branches
Cash top-up via a terminal
commission-free

post offices

Top-up at a branch
commission-free

post offices

Bank card top-up
0.9%

identification is required

HayPost PayHayPost Pay
3.5
3.6
Download app

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Parameter Data
Platform Haypost CJSC
Launch year 2021
Central Bank of Armenia license № 24A, 11.03.2021
Number of services 12+ categories
Post branch network 900
International transfers PosTransfer, Unistream, Ria
Application iOS, Android

HayPost Pay is a digital wallet developed by Haypost, the national postal operator of Armenia. It is designed for users who value access to financial services through an extensive network of postal branches across the country.

Through the application, users can perform various online payments, including utility payments such as electricity bills, waste collection fees, and other mandatory payments.

  • Residents of regional areas

    The wallet is particularly convenient for users outside major cities thanks to the wide network of HayPost branches – around 900 locations across Armenia, including small settlements and border regions.

  • Government and mandatory payments

    The application allows users to pay taxes, government duties, budget payments, and utility bills, making the wallet a convenient tool for regular mandatory payments. Users can also check utility balances within the app, which allows them to see outstanding amounts before making a payment.

  • Transfers between Russia and Armenia

    The service supports transfers through the PosTransfer system, enabling users to send and receive money between Russia and Armenia via postal branches. This can be convenient for users who prefer receiving funds in cash.

Pros Cons
Widest physical network – around 900 postal branches across Armenia Limited functionality compared to major digital wallets
Operated by a state-owned company (HayPost), which increases user trust No QR payments at retail locations
International transfers available through PosTransfer Fewer digital services and additional features
Ability to deposit and withdraw funds at postal branches –

  1. How can I register in HayPost Pay?

    Download the HayPost Pay app for iOS or Android, create an account using your phone number, and confirm it with an SMS verification code. Identity verification may be required to access additional features.

  2. How can I top up the HayPost Pay wallet?

    You can add funds using a bank card in the app or cash at any HayPost branch across Armenia.

  3. Can taxes and government payments be made through the app?

    Yes. The app allows users to pay taxes, government duties, budget payments, and other public services.

  4. How can I pay for waste collection?

    In the utilities section, select the relevant service and complete the online waste collection payment.

  5. Does HayPost Pay support international transfers?

    Yes. The service supports international transfers through PosTransfer, allowing users to send and receive money between Russia and Armenia via postal branches.

  6. How can I withdraw cash from HayPost Pay?

    Cash withdrawals are available at HayPost branches. Identity verification is required to perform this operation.

  7. Can mobile services be paid through HayPost Pay?

    Yes. The wallet allows users to pay for mobile services and transfer funds to mobile operator numbers, such as Viva-MTS.

    Users can also pay utility bills, including electricity, gas, water, and waste collection services, directly through the application.

Digital wallets sector experts

Svetlana Khachatryan

Svetlana Khachatryan

Head of the product cluster at AFM

Responsible for updating and expert evaluation of products on the website – analyzes bank offers and defines comparison standards.