Idram is an Armenian electronic payment system that many local customers use to pay online and in apps.

What do I need to accept Idram on my site?

A registered business, a merchant agreement with the payment provider, and a website that integrates with the provider's payment page and confirmation callbacks.

Does Kinto sign the agreement for me?

No. The merchant agreement is between your business and the provider. We help you understand what to request and handle the technical integration.

Can I accept both Idram and bank cards?

Yes. Many sites in Armenia offer both, plus cash or transfer on delivery.

How much does integration cost?

At Kinto adding online payments to a website costs $600. Provider fees are set by the provider under your agreement.

Accepting Idram payments on a website in Armenia

In short

Idram is a widely used Armenian payment system, so offering it next to card payment makes checkout familiar for local customers. Integration requires a merchant agreement with the provider and a site that sends orders and receives payment confirmations. Kinto adds online payments to a website for $600.

Updated: 2026-10-12

Local customers in Armenia are used to paying with Idram and bank cards. If your checkout offers only "pay on delivery", some of them will order elsewhere. If it offers only foreign payment options, many locals will not trust it. The answer is to support the methods your customers already use.

How online payment works on a website

The customer fills the cart or picks a service on your site.
The site creates an order and sends the customer to the payment provider's secure page.
The customer pays with Idram or a card on that page.
The provider sends a confirmation back to your site.
The order is marked as paid and you get a Telegram notification.

Card data never touches your own server. That is safer for you and the customer.

What you need on your side

Requirement	Who handles it
Registered business	You
Merchant agreement with the provider	You, with the provider
Integration keys and settings	Provider gives, we configure
Website checkout and order logic	Kinto
Test payments and launch	Together

The agreement process and its conditions depend on the provider and your business type, so we do not quote fees or timelines that are not ours to promise.

Which methods to offer

Idram for local customers who prefer it.
Bank cards through a local acquiring provider.
Cash or transfer on delivery for those who still prefer it.

Showing familiar options next to the "Pay" button reassures people more than any badge.

Where payments make sense

Online stores with standard products and daily orders, see online store.
Deposits for bookings or custom orders, like cakes or events.
Services with fixed prices, like tickets, courses or consultations.
Telegram bots, where payment can happen inside the chat.

For a catalog with personal confirmation of each order, online payment can wait.

Foreign customers

Tourists and foreign clients usually pay with international cards. Whether that works depends on your acquiring provider's settings. Ask about it when you sign the agreement.

What it costs at Kinto

Payment integration: $600.
Included in scope when we build an online store ($4,000).
Provider fees: per your agreement with them.

The development price is fixed in the contract before work starts. See all prices and website development.

Next step

Tell us what you sell and which provider you are talking to via the request form or on Telegram at @kinto_am. We reply within 15 minutes between 10:00 and 20:00.