Idram – E-wallet and QR Payments in Armenia

Idram is one of the oldest payment systems in Armenia. The wallet allows users to pay for more than 300 services and is widely used for online payments. Through the application, users can also make online utility payments, including electricity bills, waste collection payments, and other services.

The main advantage of Idram is the largest QR payment infrastructure in the country. Payments via Idram are accepted in more than 26 000 retail locations.

The application operates in partnership with IDBank, allowing users to access bank cards, accounts, and other financial products within the same app.

• QR payments

  With more than 22 500 QR payment points, Idram is a market leader in this category. The application also allows users to check outstanding utility balances and pay them instantly.

• Installment purchases

  The Rocket Line service allows users to pay for purchases in installments through partner merchants.

• International payments

  The wallet supports AliPay+, WeChat Pay, and other international payment partners.

• Transfers between Russia and Armenia

  The idpay service enables cross-border transfers between the two countries.

1. How can money be transferred from Russia through idpay?

   Users can send money through the idpay application. Funds are transferred from a Russian bank card, after which the money is credited to the recipient's account in Armenia. The commission depends on the service terms and the chosen transfer method.

2. How does Rocket Line work?

   Rocket Line is an installment payment service integrated into the Idram app. Users can pay for purchases with partner merchants and repay the amount in installments over a selected period, usually up to 12 months.

3. Are transfers within Idram free of charge?

   Yes. Transfers between Idram users are free of charge, provided both parties use the Idram wallet.

4. Can utility bills be paid through Idram?

   Yes. The app allows users to pay utility bills online, including electricity, gas, water, and waste collection services.

5. How can I pay for waste collection through Idram?

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

6. Can purchases abroad be paid through Idram?

   Yes. Idram users can pay for purchases abroad via the AliPay+ infrastructure, which operates in many countries and supports QR payments.

7. Is identity verification required to use all features?

   Yes. Identity verification is required for certain financial operations, such as bank transfers or installment services. Once verification is completed, users gain access to additional financial features, including transfers and payments for various services.