# Idram > Source: https://docs.barcoder.ai/docs/wallets/idram > research date 2026-06-04 · extracted at 2026-10-03 > Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards Specifications: - [Idram — official site](https://idram.am/) - [Idram online banking](https://banking.idram.am/) ## Supported standards This wallet supports the following visual-code standards: - [`idram`](https://docs.barcoder.ai/docs/standards/idram) ## Overview **Idram** is Armenia's leading mobile wallet and e-money platform, operated by **Idram CJSC**. Founded in 2010, it is one of the earliest mobile-payment solutions in the South Caucasus and serves as a primary digital payments channel for over 200,000 users. Idram supports QR-code payments at merchants, P2P transfers, utility-bill payments, and online-checkout integration with Armenian e-commerce sites. It operates alongside the national card payment system **ArCa** and integrates with Armenia's instant-transfer infrastructure. ## History **2010** — Idram launched as Armenia's first widely-adopted mobile wallet. The name "Idram" means "money" in Armenian (իդրամ, from the Armenian dram currency). **2015–2019** — Idram expanded its merchant network to include supermarkets, restaurants, fuel stations, and retail chains across Armenia. The platform added QR-code payments for in-store purchases. **2020–2024** — During the pandemic, Idram's usage surged as Armenians shifted from cash to contactless payments. By September 2024, Idram had approximately 200,000 active QR-payment users with 4 million QR transactions recorded. The platform also expanded into NFC tap-to-pay and online-checkout integrations. ## Ownership & operator - **Idram CJSC** — the operating entity, registered in Armenia. - **Regulator:** Central Bank of Armenia (CBA) — supervises Idram's e-money operations and licensing. - Idram is one of several electronic-money institutions licensed by the CBA; it is the largest by active user count among non-bank wallets. ## Technical integration **QR-code payments** — Idram supports QR-code payments at point-of-sale terminals. Merchants display an Idram QR code (or a shared national QR) that customers scan with the Idram app. The platform also supports dynamic QR codes for variable-amount transactions. **ArCa integration** — Idram integrates with **ArCa**, Armenia's national card payment system, enabling interoperability between Idram wallets and ArCa-issued bank cards. **NFC tap-to-pay** — Idram supports NFC payments for compatible smartphones, allowing tap-to-pay at merchants with NFC-enabled POS terminals. **Channels:** Mobile app (iOS, Android), web banking dashboard at `banking.idram.am`. **Identifiers accepted:** QR code (primary), phone number (for P2P), email address. ## Users & growth - **Registered users:** Approximately 200,000 active QR-payment users (as of September 2024, per [Transfi](https://www.transfi.com/blog/armenias-payment-rails-how-they-work---arca-idram-instant-transfers)). - **QR transactions:** 4 million QR-code transactions recorded cumulatively through September 2024. - Idram is the **leading mobile wallet in Armenia** by active users and transaction volume among non-bank wallets. - The platform's growth has been driven by Armenia's rapid shift toward digital payments, supported by the Central Bank's push for cashless transactions. ## Use cases - **Merchant payments:** QR-code payments at supermarkets, restaurants, fuel stations, retail chains, and small businesses across Armenia. - **P2P transfers:** Send money to other Idram users via phone number or email. - **Bill payments:** Pay utility bills (electricity, gas, water), telephone/internet, TV subscriptions, parking fees, traffic-fine payments, property tax, and government payments (CES, ASWA) directly through the app. - **Online shopping:** Idram is a popular checkout option for Armenian e-commerce websites. - **Bank transfers:** Link Idram to ArCa-backed bank cards for topping up the wallet and transferring between wallet and bank accounts. - **Rewards:** Cashback and loyalty programs with partner merchants. ## Implementations & partners - **Bank partners:** Integration with Armenian banks issuing ArCa-branded cards. Users can link their bank cards to top up Idram wallets or transfer funds. - **Merchant categories:** Retail chains, supermarkets, restaurants, fuel stations, telcos, government agencies, online merchants. - **Card network:** ArCa (domestic) — Idram integrates with the ArCa interbank network for card-linked transactions. ## Fun facts - The name "Idram" directly references the Armenian dram (AMD) currency, making it one of the few wallets named after its national currency. - Armenia's payment ecosystem is a dual-track system where **ArCa** (the national card network) and **Idram** (the mobile wallet) operate in synergy — cardholders use ArCa cards linked to Idram, and merchants accept both card and wallet payments. ## Comparison | Feature | Idram | Telcell | ArcaQR (banks) | |---|---|---|---| | **Operator** | Idram CJSC (fintech) | Telecel Armenia (telco) | Various Armenian banks | | **Type** | Mobile wallet | Mobile money | Bank-led QR | | **QR payments** | Yes (in-store + online) | Yes | Yes (bank-integrated) | | **P2P transfers** | Yes | Yes | Via bank app | | **Bill payments** | Extensive (15+ categories) | Limited | Limited | | **Users** | ~200,000 QR users | Smaller | Bank-customer base | | **NFC** | Yes | No | Via card | Idram differentiates through its **comprehensive bill-payment suite** (15+ categories including government services), its early-mover advantage, and its deep integration with the ArCa national card network. Competing telco wallets like Telcell have smaller user bases and fewer features. ## Status **Active.** Idram continues to be Armenia's leading mobile wallet. It is licensed and supervised by the Central Bank of Armenia. As of 2024, the platform serves approximately 200,000 active QR-payment users and processes millions of transactions annually. The Central Bank of Armenia's push for cashless payments and instant transfers continues to drive adoption. ## Sources [1] [Idram — official site](https://idram.am/) — Idram CJSC, 2026. [2] [Armenia's Payment Rails — Transfi](https://www.transfi.com/blog/armenias-payment-rails-how-they-work---arca-idram-instant-transfers) — Transfi, Sep 2025. [in-cro]: [AM-armenia](https://docs.barcoder.ai/docs/payments/AM) ## Source Biography extracted from [idram.md](https://docs.barcoder.ai/source/wallets/idram). See `matrix.md` for standards-support matrix if present.