ArCa "Services"

There is a number of services presented by ArCa payment system, the number increases day by day. Today the System offers the following vital services:

Cash advance
Payments in sale/service points for purchasing goods or services
Utility payments via ATMs
Electronic payments (including utility payments) via internet
Balance information by calling 44 03 80 as well as by visiting www.arca.am E-payment
E-Commerce
Card to card money transfer

At present ArCa cardholders as well as MasterCard and VISA cardholders, whose
cards are acquired by ArCa member banks, can freely use the services offered by
ArCa payment system. There are some opportunities for MasterCard and VISA cardholders to realize cash advance transactions from the Company's infrastructures, make non-cash payments for goods or services, and ask balance inquiry.

System's cardholders can also make utility payments (electricity, phone, gas,
water), buy Easy and Alo Cards' top-ups and internet connection cards as well as implement VIVA Cell Classic cards payments via ATMs connected to the System and Internet.

The process of making payments via ATMs is very simple, easy and at the same time very comfortable. In order to realize it, it's enough to insert the card, enter the PIN code, press the payments button, choose the appropriate payment, enter the registering person's account number (when making payments for electricity or gas) or phone number (when making any kind of phone payments). After that you can see the sum, which should be paid, and press the button of all or partial payments (in case of pressing the partial button, you can also see the whole sum).
In a couple of seconds the payment/payments are made. After making the payment for the first time the ATM keeps the cardholder's data in its memory and making
the same payments next time the cardholder won't need to enter the above mentioned accounts, if they haven't been changed.

System's cardholders won't have to spend their time in queues in banks or other
institutions in order to make utility payments. When making cash advance transaction they can at the same time make the above mentioned utility payments. Making utility as well as other payments via Internet, is also simple and accessible for each cardholder of the System. Using the PC connected to Internet the System's cardholder can get information regarding his utility debts during several seconds and make the payments without any difficulties. In order to use all this it is enough to visit "ARCA e-Payment System" and get acquainted with the Guideline and register in electronic payments system in an appropriate way

Automated Telephone System is implemented in ArCa System. Therefore each cardholder of ArCa member banks will get the information about his card balance by calling 44-03-80 and answering the necessary questions.

ArCa Member Banks cardholders having created virtual card in advance (See- Guidelines) have the opportunity to use"E-commerce" System. Visiting any of "e-shop" sites registered in the System, the cardholder can make orders of goods and services.
After the order is formed in case of the payment, the site of the shop automatically takes the cardholder into ArCa portal. In order to make payments it is necessary to enter the virtual card number and the password, afterwards the request is being processed. If the result is positive the payment is considered done and the cheque is formed. Otherwise the cardholder is informed about the reason of the refusal.

At present the System’ s ArCa, VISA and MasterCard cardholders have the opportunity to make card to card money transfer. Visiting www.arca.am E-Payment System and entering one’s virtual card number and the password, the cardholder will appear in the environment of making e- payments where card to card money transfer service is added to the existing services. Applying to money transfer system the cardholder will go automatically to his card issuer’ s environment(bank’ s logo, site design, etc.). Here the cardholder enters the beneficiary’ s card number (embossed on the card) to whom he wants to transfer the money, payment amount, payment currency and confirms his previously done actions, later the recipient’ s name and surname are presented to the cardholder. The money transfer takes place after the cardholders final confirmation. A cheque is presented to the cardholder confirming the transaction(authorization code, virtual card number, name, surname, the first and the last four digits of the recipient’ s card number, time/date, etc.)
Thus the money transfer process lasts no more than five minutes, during this period of time the transferred amount is debited from the virtual card and entered to the recipient’ s card amount. The cardholder and the beneficiary are informed about the transaction via e-mail.


ArCa About us



Armenian Card was established by Central Bank of RA and 10 trade banks in March 2000 with the goal of establishment and development a new payment system.


The Company presents service package which gives an opportunity to banks to issue and acquire ArCa, MasterCard, VISA and American Express cards using the modern technics, technologies and software of the processing centre as well as the Company's professional assistance.


The Company is:
  MasterCard Europe Principal Member and Processing Centre.
  Third Party Processor for VISA.
  Third Party Processor for American Express.
How to contact us:


Address: Garegin Nzhdeh 32/1, Yerevan 0026, RA
Phone: + 374 10 440380          
Fax: +374 10 440390
E-Mail: info@arca.am