# Accept Payments in Armenia

> Guide to accepting payments from customers in Armenia -- supported payment methods, local currency, and how Dodo Payments simplifies compliance.

- **Country**: Armenia
- **Currency**: AMD
- **URL**: https://dodopayments.com/payments-in/armenia

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Armenia is one of 227 countries and regions where Dodo Payments enables merchants to accept payments from customers worldwide. With support for Credit Cards, Apple Pay, Google Pay, businesses can reach buyers in Armenia without additional payment infrastructure.

## Supported Payment Methods

For Armenia, method ordering should reflect local buyer habits rather than a generic global checkout. Start with high-trust methods above the fold, then expand based on completion-rate evidence by device and ticket size.

- **Credit Cards**: Widely accepted for both one-time and recurring payments, typically handling **35-80%** of online transaction value depending on category.
- **Debit Cards**: International-enabled debit cards with 3D Secure are supported for one-time payments and subscriptions.
- **Apple Pay**: High-converting on iOS with biometric confirmation; often lifts mobile completion by reducing form entry.
- **Google Pay**: Strong Android checkout option that shortens payment time and improves mobile conversion quality.
- **Revolut Pay**: App-native wallet checkout for Revolut's European user base that streamlines repeat purchases.
- **Billie**: B2B Buy Now, Pay Later that lets European business buyers pay on invoice terms after real-time risk checks.
- **Stablecoins**: Pay from a crypto wallet in USDC, USDP, or USDG while you settle in USD, avoiding volatility.

## Currency: Armenian Dram (AMD)

The local currency in Armenia is the Armenian Dram (AMD). When **Adaptive Currency** is enabled, Dodo Payments automatically converts and displays prices in AMD at checkout.

- **Conversion**: Prices convert from your base currency to AMD using live exchange rates
- **Customer fees**: 2-4% conversion fee (based on order value), borne by the customer
- **Settlement**: You receive funds in your configured base currency -- no multi-currency accounting needed

Displaying prices in AMD improves trust and reduces cart abandonment for customers in Armenia who may hesitate when seeing prices in an unfamiliar currency.

## Tax and Compliance

As a **Merchant of Record**, Dodo Payments handles the tax obligations for digital goods and services sold to customers in Armenia:

- **Tax calculation** -- Correct rates applied automatically based on product type and customer location
- **Collection** -- Tax collected from the customer at checkout
- **Invoicing** -- Compliant invoices generated for every transaction
- **Remittance** -- Tax filed and paid to the relevant authorities on your behalf

This removes the need to register for local tax, track changing rates, or manage filing deadlines in Armenia.

## Regional Context

Strong Consumer Authentication (SCA) under PSD2 means 3D Secure is standard for European card payments, adding a verification step that improves security.

## Getting Started

No additional setup is required to accept payments from Armenia. Once your Dodo Payments account is verified and live mode is enabled:

1. Customers in Armenia see supported payment methods automatically
2. Prices display in AMD if Adaptive Currency is enabled
3. Tax is calculated and collected at checkout
4. You receive settlement in your base currency with full transaction reporting

## Related Pages

**Section:** [All Countries](https://dodopayments.com/payments-in)
**See also:** [AMD](https://dodopayments.com/currency/amd)

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## About Dodo Payments

Dodo Payments is the billing & payments platform for AI-first and SaaS companies, operating as a Merchant of Record in 220+ countries.

- [Payments](https://dodopayments.com/payments) | [Billing](https://dodopayments.com/billing) | [Distribution](https://dodopayments.com/distribution)
- [Pricing](https://dodopayments.com/pricing) | [Documentation](https://docs.dodopayments.com) | [Dashboard](https://app.dodopayments.com)