Payment methods you can offer

Accept Idram payments on your website

Idram is one of the wallets Armenian buyers reach for first, and with Paynet it is a method you switch on rather than a project you integrate. You keep your own Idram merchant account: Idram settles the money to you, and Paynet handles the payment request, the signed confirmation and the order status. The same integration also carries bank cards, Telcell and ArcaQR, so adding another method later costs no further development.

Create a free account Read the developer docs

How it works

  1. 01

    The buyer finishes their order and lands on the Paynet checkout, where Idram sits next to the other methods you have turned on for that website.

  2. 02

    They choose Idram, continue to the Idram payment page and confirm the amount from their wallet.

  3. 03

    Idram sends the result back to Paynet as a signed notification, and the buyer returns to your success or failure page.

  4. 04

    Paynet records the final status, sends your webhook, and issues a fiscal receipt if you have e-HDM connected.

What you need

  • An Idram merchant account of your own, with the EDP account id and secret key from your Idram merchant cabinet.
  • A free Paynet account, with your business verified before you take live payments.
  • A verified domain to take payments on, or a payment link with a QR code if you sell 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 Tilda Accept Armenian payments on a Tilda site Custom site or app (REST API) Add Armenian payments to any site or app

Questions

Yes. Paynet is a gateway, not an acquirer: you sign with Idram, they pay out to you, and you paste the credentials they issue into Paynet. The money never sits with us on the way.
Not automatically. Idram has no refund API, so a refund asked for through Paynet is answered with refund_not_supported, and you issue it from your Idram merchant cabinet instead. Card payments taken over the ARCA network can be refunded straight from the dashboard or the API.
You can test the whole flow, though not against Idram itself, which has no public test environment. Install the Sandbox provider or use a test API key: the checkout, the return page, the webhook and your own order handling behave exactly as they will live, no bank is contacted and nothing is counted.
Yes. Turn on as many methods as you like for a website and the buyer picks one on the hosted checkout. From the API you can also name a processor to pre-select it, or skip the hosted page entirely when you already know how the buyer wants to pay.

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.