Payment methods you can offer

Take payments by QR from a banking app

ArcaQR turns the checkout into a code the buyer scans with the app of their own bank, paying straight from their account with no card number typed anywhere. It fits phone-in-hand moments: a counter, a delivery, a table, or a page opened on a laptop while the buyer holds their phone. Paynet requests the code, displays it with a countdown, watches for the result and updates the order for you.

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How it works

  1. 01

    The buyer chooses to pay by QR on the Paynet checkout.

  2. 02

    Paynet asks the ArcaQR service for a code covering that exact amount and shows it with a countdown; a code is deliberately short-lived, and one button gets a fresh one.

  3. 03

    The buyer scans it with their banking app and confirms the payment from their account.

  4. 04

    Paynet reads the outcome from the provider, the page moves on by itself, your webhook fires and the order is marked paid.

What you need

  • An ArcaQR agreement, with the client id, client secret, terminal id and merchant id issued with it.
  • A free Paynet account, with your business verified before live payments.
  • A verified domain, or a payment link with a QR if you are selling without a website.

Paynet charges a flat amount per successful live payment and a small amount per standalone fiscal receipt, with no monthly fee and no percentage cut; your bank or wallet provider bills its own acquiring fee separately. 20 ֏

Works with

WooCommerce Accept Armenian payments in WooCommerce OpenCart Accept Armenian payments in OpenCart PrestaShop Accept Armenian payments in PrestaShop Ecwid Accept Armenian payments in Ecwid Shopify Accept Armenian payments in Shopify Tilda Accept Armenian payments on a Tilda site Custom site or app (REST API) Add Armenian payments to any site or app

Questions

No. They scan with the banking app they already use. The code carries the amount and the merchant details, so there is nothing for them to type and nothing to get wrong.
Not long, on purpose. The checkout shows a countdown and offers a new code the moment the old one lapses. The payment itself stays open for 20 minutes, so a buyer who takes their time does not lose the order.
Yes, in full or in part, from the dashboard or the API, the same as a card payment. Refunds themselves are free of Paynet charges.
Yes. Turn on the methods you want for each website and the buyer chooses on the hosted checkout, or name the processor from the API to send them straight to the QR page.

Need help with the contract and the first payment?

We prepare your bank and Idram applications with you by email and make the first real payment together. Price: 30,000 AMD, VAT included.

Request

Take your first payment today

Create an account, connect the providers you already hold contracts with, and run a full test payment before a single dram moves. Every new account starts with free transactions and free fiscal receipts, and live payments begin once your business is verified.

Create a free account

Idram, Telcell, ARCA, ArcaQR, and the bank and platform names on this page are trademarks of their respective owners; Paynet is an independent payment gateway and is not affiliated with or endorsed by any of them.