Cards · On request
ArCa
ArCa, Armenian Card, is the national payment system of Armenia, founded in 2000 by the Central Bank of Armenia together with Armenian commercial banks: it runs the country's interbank card network and processes the cards its member banks issue, ArCa-branded cards among them, with the dram as the currency. Online an ArCa payment goes like any card payment, with the issuing bank authenticating the payer, T+1 settlement and the system's own dispute rules; a Tranzify client enables it on request.
Key facts
- Countries
- Armenia
- Currencies
- AMD
- Operations
- Pay-in · Payout · Refund
- Settlement
- T+1
- Chargebacks
- under the scheme rules
How a payment goes through
- 1The payer enters the card on the hosted checkout; the number is encrypted before it leaves the page
- 2The vault stores a token; routing picks the acquirer by BIN, country and amount
- 33-D Secure when the issuer asks; the acquirer authorises
- 4Callback to the merchant, status in the journal for five years
How a payment goes through
- The checkout takes the card number, expiry and CVV on the payment form and recognises an ArCa BIN.
- The issuing bank authenticates the payer, usually with a one-time code sent to the cardholder’s phone.
- The acquiring bank authorises the amount in the ArCa network in seconds; settlement follows T+1.
- Tranzify writes the result and calls the merchant’s webhook.
ArCa against international cards in Armenia
ArCa runs the interbank network that connects Armenian banks’ ATMs and terminals; its own cards are the local option next to the Visa and Mastercard cards the same banks issue for travel and purchases abroad.
| ArCa | Visa / Mastercard | |
|---|---|---|
| Operator | Armenian Card CJSC, Yerevan | the international schemes |
| Founded | 2000, with the Central Bank of Armenia | — |
| Cards | cards of Armenian banks | debit and credit cards |
| Currency | dram | dram and foreign currencies |
| Settlement | T+1 | T+1 |
| Chargebacks | scheme rules | scheme rules |
| Recurring | not in the catalogue | yes, with tokens |
| Payouts | yes, to a card | yes, to a card |
Who uses it
E-commerce and delivery for everyday purchases in dram, digital goods for top-ups and in-app purchases from payers who keep a local card only. The providers for ArCa are connected on request: a client (a payment company) enables the method under its own contract with a bank or provider in Armenia, and Tranzify supplies the software.
How to connect
- 1Onboard with Tranzify and get your network, keys and back office.
- 2Enter your account with the provider in the terminal settings — Tranzify already speaks its API.
- 3Add routing rules: countries, currencies, amounts, BIN ranges, priorities and weights.
- 4Go live. Every payment, callback and retry is in the journal for five years.
Providers offering this method
On request — Request this integration
Industries
Frequently asked questions
Who can pay with an ArCa card?+
Are there chargebacks?+
Are payouts and recurring charges possible?+
Related methods
See the platform on your own flows
Thirty minutes with an engineer, not a sales deck: your providers, your routing rules, your merchants' checkout.
- ✓ Not a financial institution
- ✓ Money never passes through us
- ✓ Built to PCI DSS requirements