POS Terminals

POS Terminals

Acquiring (acceptance of cashless payments via a POS terminal) is a banking service that enables businesses to accept payments by bank cards. It ensures fast, secure, and convenient payment processing.

Our acquiring solutions guarantee reliable transactions between merchants and customers, contributing to increased sales and higher customer satisfaction.
 
How to apply


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Unibank



New business promotion: reduced commissions.

Transactions through Unibank POS terminals have become more advantageous for retail and service outlets:

0.7%— for payments made with VISA and Mastercard cards issued by Unibank

1.1%— for payments made with VISA and Mastercard cards issued by banks that are members of the ArCa system

1.7%— for payments made with VISA and Mastercard cards issued by banks that are not members of the ArCa system

The promotion is valid from 02.02.2026 to 01.03.2026.
 
Promotional fees

Mobile POS

POS terminals simplify the payment process by ensuring secure and fast transactions. Our POS terminals are compatible with the following systems: Visa, Mastercard, ArCa.

The mobile POS terminal is provided free of charge by the bank.

Activation of POS service POS on a cash register (HDM)

  • Acceptance of payments with Visa, ArCa, and Mastercard cards
  • No additional device required
  • The bank activates the service via the merchant’s cash register (HDM).
To do this, the factory serial number of the cash register must be provided to the bank.
 
The service is available for the following cash register devices:
  • Aisino A90
  • SUNMI P2

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Virtual POS Terminal

To make payment acceptance even easier, we provide a free vPOS (virtual POS terminal) that enables merchants to accept fast and secure online card payments.

Requirements for vPOS activation
  • Company information: registered name, address, and tax ID (as registered in the state registry)
  • A section on the website/app describing the main activity and sales terms
  • Clear description of products and prices
  • Payment system logos
  • Privacy policy regarding cardholder information
  • Detailed terms for payment, refunds, and order cancellation
After signing the agreement, bank specialists assist with installation and configuration of the vPOS terminal.


How to Apply

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Online application

Complete the online application,
and our specialist will contact you.
Fill out an application

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Visit a branch

Visit any bank branch and fill out the merchant
registration application/contract.
Our branches


POS տերմինալով անկանխիկ գործարքների սակագները` ըստ սպասարկման կետերի սահմանվում են պայմանագրային հիմունքներով: Այն դեպքում, երբ առևտրի/սպասարկման կետում POS տերմինալով իրականացված ամսական շրջանառությունը փոքր է 1 000 000 ՀՀ դրամից, Բանկի կողմից գանձվում է սպասարկման վճար` ամսական 5 000 ՀՀ դրամի չափով` ներառյալ հարկերը:
ՀԴՄ-ի վրա POS- ի նվազագույն շրջանառությունը կազմում է 500 000 ՀՀ դրամ:

Frequently Asked Questions

⇨ Who owns the POS terminal?
The POS terminal installed at the merchant’s point is the property of the bank. In case of damage or loss of the device, the merchant is responsible.
Copies of receipts for card transactions must be kept for 1 year from the date of the transaction. If necessary, the bank may request the receipts, which must be provided within 1 (one) banking day from the date of the bank’s request.
The merchant is not authorized to provide cash in exchange for a cashless transaction. Amounts paid by card can only be refunded to the card used for the payment.
No, no additional fee is applied for cashless transactions.

Updated: 6/02/26 15:23