YEREVAN, January 9. /ARKA/. The Armenian Ministry of Finance has clarified which non-cash transactions made with ArCa payment system cards will not be eligible for cashback.
Starting January 1, Armenia introduced a 2% cashback system for non-cash payments made with ArCa payment system cards. Cashback is transferred to beneficiaries automatically until the 25th of the following month for transactions over 1,000 drams, with a maximum cashback of 6,000 drams per transaction and 60,000 drams per month. As the department reported on its Facebook page, citizens will not receive a 2% cashback when making a non-cash transaction with an ArCa card if the payment was made:
for utilities, information, and communication services
in favor of the state or community budget
at high-risk points of sale (for example, gambling houses)
for services offered by financial institutions
with ArCa gift cards or one-time use cards
or if the transaction involved a refund, compensation, or chargeback.
On December 25, the Armenian government approved measures and procedures for providing cashback on non-cash payments made by individuals through the Armenian Card (ArCa) national payment system. This initiative is primarily aimed at encouraging non-cash transactions in Armenia and increasing consumer awareness of modern financial instruments and technologies. The project will be implemented in pilot mode until the end of 2026.
