“IDram” IPS (http://www.idram.am ) was elaborated and implemented Armenia, aiming at providing a convenient tool to form e-commerce in Armenia.

“IDram” is an e-system, which gives an opportunity to realize payments in internet space by units, equivalent to AMD. The system makes it possible for internet users to realize online payments for various services, goods and realize money transfers. Having registered in “IDram” System, the customer is given an “IDram” ID, which allows entering the personal web-page of the customers and using the services of the system.

“IDram” IPS fully functions in online mode, not requiring special sotware solutions or installation of additional programs in the PC. The entry security is provided through “SSL” solutions, which rule out the possibility of losing the information, sent from the computer in the direction of “IDram” and vice-versa.

“IDram” IPS is a prepay system: the customer realizes a prepayment with the terms of giving “IDram” system further commands to pay for services and goods within the volume of the prepayment realized.

E-accounts of “IDram” ID are replenished by: a banking transfer, prepay cards, VISA/Master plastic cards, by means of entering cash into the company's cash machines (at cash desks of any department of "Armbusinessbank" and "Ardshininvestbank"), or into partner service points and terminals.

“IDram” units can be cashed by means of a bank transfer to the account of the recipient, partner service points, as well as the cash machines of the company.

IDram account may be replenished also by a virtual ArCa card.

The system provides the following online services: