Non-cash payments
- The possibility of non-cash payment is a necessity for trade and service points today.
- We will solve this problem by offering you to accept non-cash payments through the POS terminals provided by Our Bank, the Bank's digiPOS application, and we can also activate a POS terminal on your cash register device.
Փոքր տեքստ, բայց ոչ շատ պակաս կարևոր օգտատերի համար
Փոքր տեքստ, բայց ոչ շատ պակաս կարևոր օգտատերի համար
Cash register / POS-terminal
Interesting to know
- POS - Point of Sale is a payment system that makes organization of the company's payment process more convenient.
- Ardshinbank's POS terminals support Mastercard, Visa, ArCa, JCB, AMEX and DINERS cards. Installation, routine maintenance and provision of necessary materials for POS terminals is free of charge.
- Installation, routine maintenance and provision of necessary materials for POS terminals is free of charge.
- To install a POS terminal at a trade or service point, please contact any branch of the Bank.
- To use digiPOS digital payment terminal, it is necessary to download the Ardshinbank digiPOS application on a smartphone with Android 8.1 or newer operating system and NFC technology, register and activate users.
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Terms and tariffs for non-cash transactions via POS-terminals in the trade and service centers maintained by Ardshinbank OJSC - valid from 01.03.2026 |
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1. Terms of Issuance |
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N/N |
Term |
Type of terminal |
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Cash register,POS- terminal |
Bank terminal |
Application,POS-terminal |
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1.1 |
Availability of service |
To Legal Entities and individual entrepreneurs holding accounts in the Bank1 |
To Legal Entities and individual entrepreneurs holding accounts in the Bank1 |
To Legal Entities and individual entrepreneurs holding accounts in the Bank1 |
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2. Commissions Charged
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Payment and settlement system and transaction type |
Basic tariffs |
For beneficiaries specified in Clause 1 of Central Bank Board Decision no. 27-N dated 09․02․20262 |
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2.1 |
Arca cards released by Ardshinbank |
1% |
0.5% |
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2.2. |
VISA and Mastercard cards released by Ardshinbank |
1.5 % |
0.9% |
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2.3 |
Arca cards released by banks integrated into the Arca system |
1.5% |
0.5% |
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2.4 |
VISA and Mastercard cards released by banks integrated into the Arca system |
1.8% |
0.9% |
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2.5 |
VISA and Mastercard cards released by banks not integrated into the Arca system |
2.5% |
2.5% |
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2.6 |
JCB |
2.5% |
2.5% |
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2.7 |
Diners |
- |
The tariff is issued by a partner bank |
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2.8 |
American Express |
- |
The tariff is issued by a partner bank |
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2.9 |
UPI |
- |
The tariff is issued by a partner bank |
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3. Monthly Service Fees
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Type of terminal |
Basic tariffs |
For beneficiaries specified in Clause 1 of Central Bank Board Decision no. 27-N dated 09․02․20262 |
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3.1 |
Cash register,POS-terminal |
AMD 3,000 |
Whenever the Client's turnover is below AMD 50,000 in the month preceding the charging:
Whenever the Client's turnover is above AMD 50,000 in the month preceding the transactions: AMD 0 across the entire territory of Armenia |
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3.2 |
Terminal provided by the Bank3 |
AMD 10,000 |
Whenever the Client's turnover is below AMD 50,000 in the month preceding the charging:
Whenever the Client's turnover is above AMD 50,000 in the month preceding the charging:
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3.3 |
Application,POS-terminal |
AMD 3,000 |
AMD 3,000 |
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1.2 |
Limits |
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1.2.1 |
Maximum amount per transaction |
Established by the Bank based on the type of transaction being performed and the class granted in the Bank to the Client |
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1.2.2 |
Maximum total amount of daily transactions |
Established by the Bank based on the type of transaction being performed and the class granted in the Bank to the Client |
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1.2.3 |
Number of daily transactions |
Established by the Bank based on the type of transaction being performed and the class granted in the Bank to the Client |
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1․ Accounts shall be served in accordance with the tariffs set by the Bank.
2․ Individuals listed as having a Merchant Category Code (registered in the Republic of Armenia) in accordance with the rules of the «Arca » Payment System as defined in Table 1 of CBA Decision 27-Ն and having an annual sales turnover worth up to AMD 150,000,000 (one hundred fifty million) in the calendar year preceding the release of the information specified in Clause 5 of this Decision (as prescribed by Clause 50 of Section 1, Article 4 of the Tax Code of the Republic of Armenia)
3․ The service is available for entirepreneurs with an annual turnover of AMD 2,000,000 (two million) and above.
The Bank may reject the registration of a service unit in case of non-compliance with the criteria prescribed by its internal regulations.
Depending on the turnover rate and the sphere, also individual tariffs may be provided.