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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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


   Commission fees for card payment services processed through Unibank physical POS terminals:

For Visa and Mastercard cards issued by Unibank – 0.9%
For Arca cards – 0.5%
For Visa and Mastercard cards issued by banks of RA – 0.9%
For Visa and Mastercard cards issued by banks outside of RA – 1.7%

For mobile and cash register POS terminals, a minimum monthly turnover of 50,000 AMD per each provided POS terminal must be ensured. If the required turnover is not met, the Bank may, at its discretion, apply the following monthly service fees per POS terminal:

  • Yerevan – 4,600 AMD
  • Other cities – 3,000 AMD
  • Rural areas – 1,000 AMD


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: 16/04/26 14:22