How does an Idram payment work?
The customer chooses Idram at checkout and is sent to an Idram payment page or, on mobile, to the Idram and IDBank app. They sign in, see the merchant and the amount, and confirm the payment from their Idram balance or an attached card. Before any money moves, Idram sends a preliminary request to the merchant’s system to check that the order exists and the amount is right, and only then completes the payment and notifies the merchant. The customer is returned to the merchant’s success or failure page. Payments are in Armenian dram.
In shops the same wallet pays by QR code. The customer scans the merchant’s Idram QR code in the app and confirms. Customers who already use Idram QR in shops recognise the step at an online checkout, and merchants receive their connection details, including a merchant ID and a secret key, after signing an agreement with Idram.
Why does Idram matter for merchants?
Idram is where many Armenians keep money for everyday payments. At the end of 2022 Idram reported more than 1.5 million registered users, 55 million payments a year in total, and more than 1,000 online stores accepting the wallet. Its QR network grew from about 2,000 points of sale in 2020 to more than 22,000 retail locations by September 2024, when about 200,000 users made around 4 million QR payments in the first nine months of the year. In 2024 Idram also opened its QR infrastructure to other financial institutions. Evocabank was the first bank to join, and the UPay wallet followed, so their customers can pay at Idram QR codes from their own apps.
Its QR system now has its own licence. In November 2025 the Central Bank of Armenia granted Idram a permit to create and operate IdramNet, a national payment and settlement QR system. Business 24 reported that Idram had also formed partnerships with Alipay+ and Bybit, which brings visitors’ wallets to the same QR codes.
The wallet also carries credit. Rocket Line, the buy now, pay later product Idram launched with IDBank in 2020, is available across its acceptance points, and the joint app lets customers attach ArCa, Visa and Mastercard cards and pay for hundreds of services. For an e-commerce merchant selling into Armenia, offering Idram next to cards reaches customers who prefer to pay from the wallet or who shop where they already pay bills.
What can go wrong?
Most failed Idram payments are flow problems rather than declines. The customer may not be signed in, may leave the app before confirming, or may have an insufficient balance. The preliminary order check is a common source of technical failures: if the merchant’s endpoint does not answer correctly, Idram stops the payment. Show Idram only to customers in Armenia, and keep the card form as a fallback.
Refunds are not a card reversal. They are handled through Idram or the provider under the merchant agreement, so agree the refund process before going live. Because the payment is made from a wallet, there is no card-scheme chargeback on the Idram payment itself, although clear order and delivery records remain the main defence in a dispute.
How would Omno handle Idram?
Omno would present Idram in the hosted checkout with the right flow per device, a payment page on desktop and an app switch on mobile, and through Direct Links for merchants with their own checkout. Payment status would be tracked from pending to final, and the final result would arrive by webhook, which is the source of truth for releasing an order. Merchant rules would control which customer groups see Idram, so a merchant could show it only to customers in Armenia paying in AMD. Routing rules would choose a connected provider. In the hosted checkout, if that provider were unavailable or rejected the request, the payment would move to the next provider in the rule until one accepts. The routing-decision log would record which provider handled each payment.