ACBA Bank card reader review 2026: tap to pay fees and rating
The first provider from Armenia in the comparison and one of the few accepting a national card scheme (ArCa). Unusually transparent for the region: a complete fee table including minimum-volume and cancellation fees. 'Smartphone - a full-fledged payment terminal'.
The score measures transparency, reach and certification of the offer — not how well the app works. See the formula
ACBA Bank offers ACBA SoftPOS (Mobile POS) for iOS + Android. Transaction fee: from 1.50%; monthly fee: none. Security certification: PCI DSS. Available in: Armenia.
ACBA Bank terms in full
| Product name | ACBA SoftPOS (Mobile POS) |
|---|---|
| Provider type | SoftPOS + hardware |
| Headquarters | Armenia (Yerevan) |
| Founded | 1996 |
| Platforms | Android (8.1+, NFC); iOS not mentioned |
| Certification | PCI DSS ('compliant with PCI DSS international standards') |
| Transaction fee | ArCa 1.5%; local Visa and Mastercard 1.8–2.7%; non-local Visa and Mastercard 2.3–2.7%; American Express 3.0–4.0% |
| Monthly fee | 0 AMD; 1,000 AMD surcharge if the minimum monthly volume of 30,000 AMD is not reached |
| Setup cost | 0 AMD; 10,000 AMD cancellation fee if terminated within one year of activation |
| Contract term | effectively 12 months due to the cancellation fee |
| Cards accepted | Visa, Mastercard, American Express |
| PIN entry on screen | n/a |
| Transaction limit | n/a |
| Target customers | Micro businesses and SMEs in Armenia |
| Available markets | Armenia |
| Website | acba.am |
| Data source | Open primary source ↗ |
Alternatives to ACBA Bank
Comparable providers in Middle East / Caucasus:
- No directly comparable providers recorded for this region.
Compare all providers in Middle East / Caucasus →
Frequently asked questions
ACBA Bank tap to pay: do I need any extra hardware?
Not necessarily. ACBA Bank sells card terminals as well, but its tap to pay product works on a phone you already own, with no extra hardware. Supported platforms: iOS + Android.
Which countries is ACBA Bank available in?
By our records: Armenia. Availability changes, and the date above the table is when we last checked.