Servicing of payment cards via POS terminals and cash register devices is simple, fast, and convenient. Submit your application online in a few quick and easy steps.
Accept payments with cards of the following payment systems: ArCa, VISA, MasterCard, American Express, JCB and UnionPay.
Withdraw funds credited to your account from payments free of charge.
Free activation, technical support, and staff training.
Through Acba bank, you can activate and service cards of ArCa, VISA, MasterCard, JCB, UnionPay, and American Express payment systems on POS terminals and/or cash register devices at the tariffs set out below.
| Card type | Commission fee |
|---|---|
| ArCa cards | 1.5% |
| VISA, MasterCard and UnionPay cards issued by member local banks | 1.8 - 2.7% |
| VISA, MasterCard, UnionPay and JCB cards issued by non-member banks | 2.3 - 2.7% |
| American Express cards | 3.0 - 4.0% |
| - Minimum monthly commission threshold from transactions carried out via each POS terminal and/or cash register device for merchants operating in Yerevan* | AMD 4,600 |
| - Minimum monthly commission threshold from transactions carried out via each POS terminal and/or cash register device for merchants operating in regional cities* | AMD 3,000 |
| - Minimum monthly commission threshold from transactions carried out via each POS terminal and/or cash register device for merchants operating in rural areas* | AMD 1,000 |
| Termination fee in case of refusal from servicing the payment and settlement system and/or replacement of the cash register device within one year after activation via the cash register device, except for merchants defined by the RA Central Bank Decision No. 27-N dated 09.02.2026 | AMD 50,000 |
| Fee in case a merchant cooperating with the Bank within the framework of non-cash transactions (except for merchants defined by the RA Central Bank Decision No. 27-N dated 09.02.2026) discontinues servicing of the mentioned payment and settlement system and continues servicing with another bank | 4% of the turnover of the last one year, but not less than AMD 300,000 |
* In case the established minimum commission threshold for a POS terminal and/or cash register device is not met, the difference between the established minimum commission threshold and the accrued commission shall be charged. In addition, the specified fee shall be charged for each POS terminal and/or cash register device activated for the organization. The tariff shall not be charged for jointly serviced POS terminals and/or cash register devices.
The commission is determined taking into account the field of activity, transaction volumes, as well as the scope of cooperation between the organization and the Bank.
Commission charged from trade and service points for card servicing, for organizations defined by the RA Central Bank Decision No. 27-N dated 09.02.2026 “On establishing the maximum limits of commissions for non-cash transactions, as well as the cases and procedure for applying such limits” (hereinafter referred to as the Decision) (applicable only to trade and service points with merchant category codes defined by the Decision).
| Card type | Commission fee |
|---|---|
| Commission charged from trade and service points for servicing ArCa payment system cards for each transaction carried out via POS terminal and/or cash register device | 0.5% (of the transaction amount) |
| Commission charged from trade and service points for servicing domestic MasterCard/VISA payment system cards for each transaction carried out via POS terminal and/or cash register device | 0.9% (of the transaction amount) |
| - Minimum monthly commission threshold from transactions carried out via each POS terminal and/or cash register device for merchants operating in Yerevan, in case the total monthly turnover of transactions carried out via each POS terminal and/or cash register device does not exceed AMD 50,000 | AMD 4,600 |
| - Minimum monthly commission threshold from transactions carried out via each POS terminal and/or cash register device for merchants operating in regional cities, in case the total monthly turnover of transactions carried out via each POS terminal and/or cash register device does not exceed AMD 50,000 | AMD 3,000 |
| - Minimum monthly commission threshold from transactions carried out via each POS terminal and/or cash register device for merchants operating in rural areas, in case the total monthly turnover of transactions carried out via each POS terminal and/or cash register device does not exceed AMD 50,000 | AMD 1,000 |
| Termination fee in case of discontinuation of servicing of the payment and settlement system and/or replacement of the cash register device within one year after activation via the cash register device, except for merchants defined by the RA Central Bank Decision No. 27-N dated 09.02.2026 | AMD 50,000 |
| Fee in case a merchant cooperating with the Bank within the framework of non-cash transactions (except for merchants defined by the RA Central Bank Decision No. 27-N dated 09.02.2026) discontinues servicing of the mentioned payment and settlement system and continues servicing with another bank | 4% of the turnover of the last one year, but not less than AMD 300,000 |
Detailed information: Payment card tariffs
Previous terms of payment card tariffs
Depending on the device type, please follow the link to view the user guides:
For technical inquiries, you can call 077 130-130.
Terms of use of POS terminals and devices
The POS terminal(s) are the property of the Bank and are provided to the Organization for temporary use free of charge.
In case of a technical malfunction of the POS terminal or changes in the software, the terminal installed at the trade/service point may be replaced by mutual agreement.
In case of damage to the POS terminal(s), the Organization shall compensate the costs of repair or replacement of the POS terminal(s), if, according to a written professional opinion provided by a duly qualified company, the equipment has been damaged as a result of actions performed by the Organization.
The Organization shall ensure proper supervision of the POS terminal(s), shall not transfer them for sublease, shall bear full property liability in case of damage or loss, and shall not allow third parties to use them.
Upon the Bank’s written request, the Organization shall immediately return the terminal(s) to the Bank.
Terms of operation of POS terminals and devices: POS terminal acceptance certificate
Standard form agreement on servicing payment cards and/or QR code payments
You can submit an application for servicing payment cards via POS terminals and cash register devices online by completing the relevant application form.
The payment card servicing service is activated within 10-15 days after acceptance of the application.
Either party has the right to unilaterally terminate the Agreement by providing the other party with written notice at least 30 (thirty) days in advance.
Cash withdrawal of funds credited to the account from payments is free of charge.
During the term of the Agreement, account statements required to be provided under RA legislation are provided free of charge.
During the term of the Agreement, statements not required under RA legislation, copies of statements, and statements submitted to foreign embassies and visa centers are provided as follows:
up to 6 months (inclusive) - free of charge,
from 6 to 12 months (inclusive) - AMD 2,000 (including VAT),
over 1 year - AMD 3,000 (including VAT).
