Upay CJSC is a payment and settlement organization operating in the Republic of Armenia, which was founded by Ucom CJSC in 2018 and received a license from the Board of the Central Bank of Armenia. The mission of Upay CJSC is to provide specialized payment and settlement services in the Armenian market with the active use of the latest technologies, which will be aimed at making the payment process simpler, faster, and more accessible. Upay can be used in 2 ways: – Download the Upay app from the Play Store or App Store and make all money transactions without leaving home, directly from a smartphone – Visit the Ucom Service Center and contact the appropriate employee Upay e-wallet allow to make utility, mobile, internet connection, TV, parking, traffic fines, property tax, social networks other payments, repay loans and other money transactions. The wallet is designed with a simple structure and does not present complications during use. In order to ensure the convenience of our customers, we also provide services at Upay branches. Payments at branches are easy and fast, and the transactions are reliable. There are 42 branches, 20 of which are located in Yerevan and 22 in the regions. The company provides fast, simple, and innovative services in a wide branch network, the list of which is constantly expanding.