Armenian Dram (AMD)
Published processing fees and market availability for the Armenian Dram (AMD) across 6 gateways, bank acquirers, and payment rails serving Armenia. Always confirm current rates on the provider's official pricing page.
Regional context & bank acquiring rules: Middle East payments guide · All Middle East currencies
Who serves this currency
All 6 gateways, bank acquirers and wallets serving AMD markets, including providers with published AMD fee schedules (2) and custom/quote-only processors (4).
Card gateways & processors
| Provider & market notes | Fee schedule |
|---|---|
| AdyenEnterprise processor (Uber, Spotify, eBay). Interchange++ from roughly 0.6% + fixed per transaction plus scheme fees, custom contract pricing only. | Worldwide |
| Checkout.comEnterprise processor strong in EMEA/LatAm; interchange++ blended rates negotiated per merchant. | Worldwide |
| Ameriabank vPOSArmenia online card acquiring (ArCa, Visa, Mastercard, MyAmeria Pay). | Published fees |
Wallets & other payment rails
| Provider & market notes | Fee schedule |
|---|---|
| PayPalAvailable to merchants in 190+ countries; receiving capability varies by country. Cross-border fees are higher than domestic. | Worldwide |
| Idram ( & IDBank)Armenia's leading digital wallet, Rocket Line BNPL & QR merchant checkout. | Published fees |
| Payoneer Profile →Cross-border receiving platform: local receiving accounts, marketplace payouts and client payment requests in 190+ countries. Not a card checkout gateway. See our full Payoneer profile for the fee breakdown. | Worldwide |
Compare gateways for an amount
This comparison only shows fees we can publicly verify (2 of 6 providers serving AMD). Processors and bank acquirers that quote custom or merchant-specific rates are listed under Who serves this currency above.
Enter an amount to compare verified AMD rates.
Disclaimer: Comparisons only include publicly verifiable standard rates as of November 6, 2026 and exclude custom-quoted gateways, bank MIDs, monthly plan fees and local taxes unless noted. See all 6 providers serving AMD.
Card gateway fees
Fee tables only show rates we can publicly verify from official provider schedules (4 additional providers serve AMD with custom or quote-only pricing—see all 6 providers above). We never invent figures for custom-quoted processors or bank acquirers. Figures are for comparison only; always confirm your exact rate on the provider's site.
| Provider | Local rate | Fixed fee | Fee cap | Intl. cards |
|---|---|---|---|---|
| Ameriabank vPOSArmenia online card acquiring (ArCa, Visa, Mastercard, MyAmeria Pay). | 1.9%+0.6% international cards | AMD 0.00 | n/a | +0.6% |
Wallets & other payment rails (published rates)
Publicly verifiable merchant rates for mobile money, digital wallets and account-to-account rails in AMD.
| Provider | Local rate | Fixed fee | Fee cap | Intl. cards |
|---|---|---|---|---|
| Idram ( & IDBank)Armenia's leading digital wallet, Rocket Line BNPL & QR merchant checkout. | 1.8% | AMD 0.00 | n/a | Same rate |
Monthly, plan & setup fees (AMD)
4 of 6 offer $0/mo base plans% + fixed fee) and are not included in calculator estimates above. Always verify current plan tiers on the provider's official pricing page.
Card gateways & bank acquirers — Monthly & setup fees
| Provider & plan notes | Plan structure | Base monthly fee | Setup fee |
|---|---|---|---|
| AdyenNo fixed monthly fee, but enterprise minimum monthly invoice typically applies | Bank MID / custom | $0/mo (min. volume applies) | $0 |
| Checkout.comNegotiated interchange++ schedule for high-volume merchants | Bank MID / custom | Custom enterprise contract | Custom |
| Ameriabank vPOSPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
Wallets & other payment rails — Monthly & setup fees
| Provider & plan notes | Plan structure | Base monthly fee | Setup fee |
|---|---|---|---|
| PayPalStandard Checkout $0/mo; Advanced / Pro virtual terminal ~$30/mo in US/CA/UK | $0/mo + tiers | $0/mo | $0 |
| Idram ( & IDBank)No monthly subscription fee on standard merchant wallet / QR / A2A acceptance | No monthly fee | $0/mo | $0 |
| Payoneer Profile →Free to hold and receive; $29.95 annual fee applies to inactive accounts in some countries | $0/mo + tiers | $0/mo | $0 |
Armenian Dram (AMD) payment gateway FAQs
Which payment gateways and processors serve Armenia (AMD)?
Sympli5 tracks 6 payment gateways, bank acquirers, and payment rails serving Armenia (Armenian Dram, AMD), including PayPal, Adyen, Checkout.com, Idram ( & IDBank), Ameriabank vPOS, Payoneer. Of these, 2 publish verifiable standard AMD per-transaction schedules and 4 operate on custom, quote-only, or bank Merchant ID (MID) pricing.
What are the lowest published payment processing fees in Armenian Dram (AMD)?
Among the 2 providers with publicly verified AMD schedules, the lowest headline variable rate starts at 1.8% + AMD 0.00 via Idram ( & IDBank). Your lowest effective cost depends on your average order value, card mix, and whether a fee cap applies—use the interactive AMD calculator on this page to compare exact net payouts.
Do AMD payment gateways charge monthly or setup fees?
Of the 6 providers serving AMD markets, 4 offer a $0/month base pay-as-you-go plan with $0 setup fees. The remaining 2 providers either require a monthly gateway plan or operate through a bank Merchant ID (MID) with bank-quoted monthly maintenance and setup fees. Monthly and setup costs are charged separately from per-transaction processing rates.
What does the international card surcharge mean for AMD transactions?
An international (foreign-issued) card fee applies when a customer pays your business in AMD using a Visa, Mastercard, or Amex issued by a bank outside your local merchant country—such as a foreign tourist or overseas buyer. In AMD, providers like Ameriabank vPOS (+0.6%) add an explicit cross-border card surcharge on top of their domestic rate.