Idram payment system: a convenient online financial tool
Idram was launched in 2004 as an online tool for electronic payments. In 2012, the company received permission from the Central Bank of Armenia to issue electronic money.
Peculiarities of use
Individuals and legal entities use the payment service. The main directions:
- repayment of loans and payment for goods in online shops;
- instant payment of housing services, fines and mobile phone top-up;
- account top-up in gambling services and bookmaker's offices;
- real-time money transfers and virtual currency exchange;
- transfer to any bank card account;
- payment for Internet providers, television and communication services.
The company cooperates with major international money transfer systems, allowing subscribers to transfer funds wherever they need in a few clicks.
You can use the system via a convenient website or download an application for mobile devices.
To start using the service, you need to register. The subscriber will be assigned a personal ID, with the help of which they can enter the cabinet and make transactions with electronic money.
Idram plastic card
EPS customers can order a free plastic card with cashback (Idram Rocket Visa) to pay in real life — in shops, etc. Contactless payments are supported. The card is valid for 5 years. Delivered free of charge. Issued in national currency (armenian dram). Allows getting 1% cashback on non-cash payments. Idbank issues the card.
How do you work with online payment services?
The principle of working with Idram service is very simple:
- enter your cabinet;
- choose the necessary service;
- operate.
Idram, like any modern EPS, works in online mode. The user does not need to install additional software on the PC; all the functionality is available on the service's website. It is also possible to download a mobile application, although the system works simply through the browser. High security of subscribers and the safety of their data is ensured at login.
The system cooperates with over 100 online services, regularly expanding the list of opportunities for its subscribers. In the services section of the website, you can get acquainted in detail with the terms and conditions of this or that payment operation, find out the amount of commission for different services and the period of implementation:
- Mobile phone account replenishment — instant crediting and no commission.
- Credit repayment — crediting up to 2 banking days, the amount of commission depends on the transfer amount.
- Online shops — instant crediting and 0% commission.
Withdrawal of funds can be made via bank transfers and cards (VISA, Mastercard). The service's wallet can be replenished in different ways, including terminals and other electronic services. Idram cooperates with the Unistream payment system, allowing online international transfers.
Another service is transferred to the Compulsory Enforcement Service (CES) account. Payment is made instantly, so all court injunctions are automatically lifted after completing the transaction. To pay the bill under the enforcement document, you must go to the website's appropriate section.
Utility payments and money transfers
Subscribers of the payment service can pay for a wide range of services in one place, including utility payments.
It is enough to transfer funds to idram.am and perform the operation. On the service, you can check information about the debt on utilities at any time and make payments on time. It is convenient; the subscriber is always aware of the account status and does not allow delays.
Cooperation with commercial online services
Idram payment system actively cooperates with legal entities, offering its services. Game and entertainment services, online shops and other commercial virtual platforms that accept online user payments conclude contracts with the company.
Using the system's capabilities, the site can conduct transactions quickly and securely. To connect to the online payment system, it is necessary to have a legal entity registration and a functioning website. For example, if an online shop wants its customers to be able to pay for purchases through the Idram service, it only needs to submit a corresponding application.
How do I get the status of a premium user?
To expand the possibilities of using the payment service, subscribers can get the "Premium" status. For this purpose, it is unnecessary to visit the company's office (although there is also such an option); you can use a bank card with at least 500 drams in your account. After the system confirms the presence of this amount on the subscriber's card, it will mean that the identification process has been completed.
Please note that the card must be connected to the 3D-Secure service and issued by an Armenian bank.
Premium users can top up their e-wallet account for larger amounts than regular subscribers and perform any financial transactions through the service. You can learn more about the conditions for obtaining the premium status on the system's website.
