Payments using the contactless technology



  • FAST

Making contactless payments will take only a few seconds.

  • EASY

There is no need to transfer the card to the teller, insert it into a terminal, sign the payment order, and in case of payments of up to 10,000 AMD, also enter your PIN code.

  • SAFE

Contactless technology is enhanced with an anti-fraud safe system, and as an additional safety measure, for payments over 10,000 AMD, it is also required to enter the card’s PIN code. At the same time, cards with contactless technology may be applied for making transactions with the use of the card’s chip and magnetic tape, as in the past.


If you still do not have a Visa Classic, Visa Gold or Visa Student card of the Bank, you can order a new card with Visa payWave logotype directly from the website or by visiting the branch of the Bank, nearest to you.


  • Search this symbol when making payments and the cash-box (the availability of the symbol assumes, that You can make contactless payments at the given cash-box).
  • Check the payment amount, displayed on the terminal screen.
  • Bring the card closer to the terminal and wait for light and sound signals.
  • In a few seconds your transaction will be approved.

If you want to take your copy of the payment receipt, you need to inform of it the cashier.


  • What is contactless payment?

Due to the technology of contactless payment you just make a transaction with one move of your hand via all terminals, which service Visa payWave contactless payments.

Transactions are performed via the modern radio frequency technology, during which from a card chip a radio wave sends encoded signal to the terminal, servicing the card. Contactless technology cards give you an opportunity not to enter the PIN code for the transactions of up to 10,000 AMD or equal amount in foreign currency, as well as there is no need to sign the payment order.

To understand if your card is a card of contactless technology, just look for this symbol on your card.

  • Which are the advantages of contactless technology?

Payments are fast, easy and there is no need to enter the PIN code or sign the payment order.

  • Where contactless technology cards can be used?

The number of points of sale, offering the comfort of service with contactless cards grows day by day in the whole world and at present these cards are serviced in thousands of points of sales in the world. The availability of the symbol in a point of sale means that cards of contactless technology are serviced.

At the same time you can make chip transactions with contactless technology cards as before.

  • What to do, if a transaction with contactless card is rejected in the point of sale?

If the symbol is available in a point of sale, but for some reasons the contactless transaction is rejected, you can ask the teller to service the card as a standard chip card.

  • How to obtain contactless card?

To obtain contactless technology cards, one shall visit any branch of the Bank and fill in a card ordering application or visit the Bank’s website and fill in the relevant online application. At present the Bank issues Visa Student, Visa Classic and Visa Gold, American Express Gold and American Express Blue cards with contactlesstechnology.

  • Is it possible to make an incidental transaction with contactless technology card, if it is in the pocket or in the wallet?

No, it is not possible, as to make a transaction with card of contactlesstechnology, the cashier shall enter the transaction amount, only after which you can bring the card closer to the terminal (keeping it maximum 4 cm away from the terminal) to execute the transaction. In case of not bringing the card closer to the terminal within several seconds the transaction will not be performed.

  • Are the data protected from fraud, making payments with contactless technology cards?

Making transactions with contactless technology cards is as safe, as making transactions with chip cards, as during each transaction a special security code is generated, due to which, in case of an attempt to steal the card data or to copy the card, the further use of these data becomes impossible.

Moreover, contactless payments are even safer, as during the transaction the card stays in your hand, which reduces the possible risks of stealing the card number or other data by other persons.

  • What to do, if contactless technology card is stolen or lost?

If contactless technology card is stolen or lost, it is necessary to immediately contact the call center of the Bank, working 24/7, by calling 010 31 88 99 or contact ArCa teleservice center by calling 010 592 222 and block it.

  • Is it possible to make any transaction with the blocked card after its stealing?

No, it is not possible, even the attempt of contactless transaction will be rejected, due to the card blocking.

In case of any discrepancies in the information contained in the Site, as well as inaccurate texts in a foreign language, please be guided by the Armenian version. 21.05.2020 16:35
ACBA BANK CJSC is supervised by the CBA.
82-84 Aram Street, Yerevan, Armenia
Tel: (+374 10) 31 88 88
Fax: (+374 10) 54 34 85