Armenian Dram

Albania's leading e-money and bill-payment platform. EasyPay executed the country's first open-banking payment in March 2025 in partnership with Intesa Sanpaolo Bank Albania, enabling account-to-account checkout.

Armenia's national card payment network, connecting Armenian banks and supporting domestic card transactions. ArCa cards are issued by most Armenian banks and serve as the primary local card scheme for debit and credit transactions. ArCa also supports e-commerce payments.

Visa is the world's largest card network, enabling credit, debit and prepaid card payments online, in-store and at ATMs across virtually every market. In the listed countries Visa is a core internationally accepted scheme alongside local methods.

Mastercard is a leading global card network supporting credit, debit and prepaid card payments online, in-store and at ATMs worldwide. In the listed countries it is a core internationally accepted scheme.

Armenia's most popular digital wallet, with over 1.5 million registered users. IDram supports payments at 14,000+ retail outlets and 1,000+ online stores, peer-to-peer transfers, utility bill payments, and QR code merchant payments. In 2024, approximately 200,000 users made QR payments via IDram. Operated by IDBank.

One of Armenia's leading mobile wallet platforms, operated by Telcell. It supports peer-to-peer transfers, merchant payments, and utility bill payments. Telcell has broad acceptance among Armenian merchants and is widely used alongside IDram.