Terms
tariffs
SERVICE OF PAYMENT CARDS WITH POS TERMINALS (POS, CASH REGISTER POS, VIRTUAL POS (VPOS)
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ArCa, Mastercard, Visa
Free of charge
maximum 3 business days
ArCa cards issued by banks that are members of the processing center of "Armenian Card" CJSC
0.5%
Visa and Mastercard cards issued by banks of the Republic of Armenia 0.9%
Visa and Mastercard cards issued by international banks that are not members of the Armenian Card CJSC Processing Center 2.2%
ArCa, Visa and Mastercard cards issued by banks that are members of the Armenian Card CJSC Processing Center
1.2%
Visa and Mastercard cards issued by international banks that are not members of the Armenian Card CJSC Processing Center
2.2%
none
Open-ended
AMD 50,000 (including VAT) in case of early termination of POS terminal service on the cash register device or replacement of the cash register within one year after signing the contract
According to the Bank's current tariffs
* The POS terminal is provided to the Customer with the right to use it free of charge.
** These tariffs apply to those economic entities that have a Merchant category code defined in Appendix 1 in accordance with the rules of the Arqa payment system: or
1) whose annual sales turnover for the previous calendar year does not exceed 150,000,000 (one hundred and fifty million) AMD and
who are included in the list of economic entities affected by these tariffs set by the Central Bank of the Republic of Armenia
or
2) who received registration in the State Register of the Ministry of Internal Affairs of the Republic of Armenia in 2026.
** If the total monthly turnover of transactions made through the provided POS terminals (including POS) does not exceed 50,000 (fifty thousand) AMD, the maximum amount of all commission fees (including other fixed or periodic payments) established for the service of card payments made in a non-cash manner through physical POS terminals cannot exceed the monthly amount of:
• For service in the city of Yerevan of the Republic of Armenia: 4,600 (four thousand six hundred) AMD
• For service in the cities of the regions of the Republic of Armenia: 3,000 (three thousand) AMD
• For service in the villages of the Republic of Armenia: 1,000 (one thousand) AMD.
** If the total monthly turnover of transactions made through the provided POS terminals (including POS) does not exceed 50,000 (fifty thousand) AMD, the maximum amount of all commission fees (including other fixed or periodic payments) established for the service of card payments made in a non-cash manner through physical POS terminals cannot exceed the monthly amount of:
• For service in the city of Yerevan of the Republic of Armenia: 4,600 (four thousand six hundred) AMD
• For service in the cities of the regions of the Republic of Armenia: 3,000 (three thousand) AMD
• For service in the villages of the Republic of Armenia: 1,000 (one thousand) AMD.
