Wallets · On request
Idram
Idram is an Armenian payment wallet that has been in use since 2004 and belongs to the same group as IDBank: payers keep a balance tied to their phone number, pay bills, shops and online purchases by scanning a QR code or confirming a request in the app, and transfer money to each other. For a checkout it is a method without a card, with an immediate result and no chargebacks, and the wallet also receives payouts; a Tranzify client enables it on request.
Key facts
- Countries
- Armenia
- Currencies
- AMD
- Operations
- Pay-in · Payout · Refund
- Settlement
- instant
- Chargebacks
- not possible
How a payment goes through
- 1The checkout opens the wallet app or shows its button
- 2The payer confirms in the app with a PIN or biometrics
- 3The wallet confirms the payment to the provider within seconds
- 4Webhook to the merchant; a refund goes back the same way
How a payment goes through
- The checkout offers Idram and shows a QR code, or asks for the payer’s phone number on mobile.
- The payer scans the code or receives the request in the Idram app and confirms the amount.
- The provider reports the confirmation at once; a request not confirmed in time expires.
- Tranzify writes the result and calls the merchant’s webhook.
Idram against cards in Armenia
Most Armenian payers hold a bank card, local or international; Idram is the everyday app many of them use for bills, transfers and QR payments in shops, so at checkout it is the option without card details to type.
| Idram | Cards | |
|---|---|---|
| What the payer needs | the app and a wallet balance | a card accepted by the acquirer |
| Confirmation | seconds, in the app | at once |
| Settlement | instant | T+1 |
| Chargebacks | none | scheme rules |
| Refunds | yes, to the wallet | yes, to the card |
| Payouts | yes, to the wallet | yes, to a card |
| Recurring | no | yes, with tokens |
Who uses it
E-commerce and delivery for everyday purchases in dram, digital goods for top-ups and in-app purchases, iGaming for deposits and quick withdrawals to the wallet. The providers for Idram are connected on request: a client (a payment company) enables the method under its own contract, 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 Idram?+
Are there chargebacks?+
Is Idram available for payouts?+
Related methods
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