{"id":4758,"date":"2022-11-13T15:00:57","date_gmt":"2022-11-13T11:00:57","guid":{"rendered":"https:\/\/armsme.am\/?p=4758"},"modified":"2022-11-13T15:00:59","modified_gmt":"2022-11-13T11:00:59","slug":"%d5%b0%d5%a1%d5%b5%d5%a1%d5%bd%d5%bf%d5%a1%d5%b6%d5%b8%d6%82%d5%b4-%d5%ba%d5%ac%d5%a1%d5%bd%d5%bf%d5%ab%d5%af-%d6%84%d5%a1%d6%80%d5%bf%d5%a5%d6%80%d5%ab-%d5%a9%d5%ab%d5%be%d5%a8-%d5%a3%d5%a5%d6%80","status":"publish","type":"post","link":"https:\/\/armsme.am\/?p=4758","title":{"rendered":"\u0540\u0561\u0575\u0561\u057d\u057f\u0561\u0576\u0578\u0582\u0574 \u057a\u056c\u0561\u057d\u057f\u056b\u056f \u0584\u0561\u0580\u057f\u0565\u0580\u056b \u0569\u056b\u057e\u0568 \u0563\u0565\u0580\u0561\u0566\u0561\u0576\u0581\u0565\u056c \u0567 3 \u0574\u056b\u056c\u056b\u0578\u0576\u0568"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\u0540\u0561\u0575\u0561\u057d\u057f\u0561\u0576\u056b \u057a\u056c\u0561\u057d\u057f\u056b\u056f \u0577\u0578\u0582\u056f\u0561\u0575\u0578\u0582\u0574 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\u057f\u0561\u0580\u0565\u056f\u0561\u0576 \u056f\u057f\u0580\u057e\u0561\u056e\u0584\u0578\u057e \u0561\u0573\u0565\u056c \u0567 67,4 \u057f\u0578\u056f\u0578\u057d\u0578\u057e, \u056b\u057d\u056f \u0574\u056b\u0561\u0575\u0576 \u0568\u0576\u0569\u0561\u0581\u056b\u056f \u057f\u0561\u0580\u057e\u0561 9 \u0561\u0574\u056b\u057d\u0576\u0565\u0580\u056b\u0576\u055d 73,6 \u057f\u0578\u056f\u0578\u057d\u0578\u057e\u055d \u0574\u056b\u0576\u0579\u0587 \u0570\u0578\u056f\u057f\u0565\u0574\u0562\u0565\u0580\u056b 1-\u0568 \u0570\u0561\u057d\u0576\u0565\u056c\u0578\u057e 11,740 \u0570\u0561\u0566\u0561\u0580\u056b, \u0587 \u0561\u0575\u0564 \u0584\u0561\u0580\u057f\u0565\u0580\u056b \u0562\u0561\u0580\u0571\u0580 \u0561\u0573\u0568\u055d \u057f\u0565\u0574\u057a\u0565\u0580\u056b \u0570\u0565\u057f\u0561\u0563\u0561 \u0561\u0580\u0561\u0563\u0561\u0581\u0574\u0561\u0576 \u0574\u056b\u057f\u0578\u0582\u0574\u0578\u057e, \u057d\u056f\u057d\u0565\u056c \u0567 \u0564\u056b\u057f\u057e\u0565\u056c 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\u0568\u0576\u0564\u0570\u0561\u0576\u0578\u0582\u0580 \u0561\u057c\u0574\u0561\u0574\u0562, \u0562\u0561\u0580\u0571\u0580\u0561\u0581\u0565\u056c \u0567 43,4% &#8211; \u056b\u0581 \u0574\u056b\u0576\u0579\u0587 46,3%: MasterCard \u0584\u0561\u0580\u057f\u0565\u0580\u0576 \u0561\u0573\u0565\u056c \u0565\u0576 \u057f\u0561\u0580\u0565\u056f\u0561\u0576 \u056f\u057f\u0580\u057e\u0561\u056e\u0584\u0578\u057e \u0561\u057e\u0565\u056c\u056b \u0570\u0561\u0574\u0565\u057d\u057f \u055d \u0561\u0580\u0561\u0563\u0561\u0581\u0576\u0565\u056c\u0578\u057e \u057f\u0565\u0574\u057a\u0565\u0580\u0568 5,8% &#8211; \u056b\u0581 \u0574\u056b\u0576\u0579\u0587 9,3% \u055d \u056f\u0561\u0566\u0574\u0565\u056c\u0578\u057e 733,640 \u0570\u0561\u0566\u0561\u0580 \u0570\u0561\u057f, \u0578\u0580\u0578\u0576\u0581 \u0574\u0561\u057d\u0576\u0561\u0562\u0561\u056a\u056b\u0576\u0568 \u0568\u0576\u0564\u0570\u0561\u0576\u0578\u0582\u0580 \u0561\u057c\u0574\u0561\u0574\u0562 \u0576\u057e\u0561\u0566\u0565\u056c \u0567 25,6% &#8211; \u056b\u0581 \u0574\u056b\u0576\u0579\u0587 24,1%: \u0544\u056b\u0587\u0576\u0578\u0582\u0575\u0576 \u056a\u0561\u0574\u0561\u0576\u0561\u056f, ArCa \u057f\u0565\u0572\u0561\u056f\u0561\u0576 \u0584\u0561\u0580\u057f\u0565\u0580\u0568, \u0568\u0576\u0564\u0570\u0561\u056f\u0561\u057c\u0561\u056f\u0568, \u057e\u0561\u057f\u0569\u0561\u0580\u0561\u0581\u0580\u0565\u056c \u0565\u0576 \u0564\u056b\u0576\u0561\u0574\u056b\u056f\u0561\u0576 1,8% \u0561\u0573\u056b\u0581 \u0574\u056b\u0576\u0579\u0587 5,1% \u0561\u0576\u056f\u0578\u0582\u0574 \u055d \u056f\u0561\u0566\u0574\u0565\u056c\u0578\u057e 726,737 \u0570\u0561\u0566\u0561\u0580 \u0570\u0561\u057f, \u056b\u0576\u0579\u0568 \u0576\u057e\u0561\u0566\u0565\u0581\u0580\u0565\u0581 \u0576\u0580\u0561\u0576\u0581 \u0574\u0561\u057d\u0576\u0561\u0562\u0561\u056a\u056b\u0576\u0568 \u0568\u0576\u0564\u0570\u0561\u0576\u0578\u0582\u0580&nbsp; 29,2% &#8211; \u056b\u0581 \u0574\u056b\u0576\u0579\u0587 23,8%: \u0531\u0575\u0576\u0578\u0582\u0561\u0574\u0565\u0576\u0561\u0575\u0576\u056b\u057e, \u057f\u0561\u0580\u0565\u056f\u0561\u0576 \u0577\u0561\u057f \u0561\u057e\u0565\u056c\u056b \u0562\u0561\u0580\u0571\u0580 \u0561\u0573, \u0584\u0561\u0576 Visa-\u0576 \u0587 MasterCard-\u0568, \u0561\u057a\u0561\u0570\u0578\u057e\u0565\u056c \u0565\u0576 \u0561\u0575\u056c \u0574\u056b\u057b\u0561\u0566\u0563\u0561\u0575\u056b\u0576 \u0584\u0561\u0580\u057f\u0565\u0580 (\u0570\u056b\u0574\u0576\u0561\u056f\u0561\u0576\u0578\u0582\u0574 HSBC \u0584\u0561\u0580\u057f\u0565\u0580, \u056b\u0576\u0579\u057a\u0565\u057d \u0576\u0561\u0587 AmEx \u0587 Diners Club), \u057f\u0565\u0574\u057a\u0565\u0580\u056b \u056f\u057f\u0580\u0578\u0582\u056f \u0561\u0580\u0561\u0563\u0561\u0581\u0574\u0561\u0574\u0562 \u055d 10,8% &#8211; \u056b\u0581 \u0574\u056b\u0576\u0579\u0587 3,8 \u0561\u0576\u0563\u0561\u0574 \u055d \u0570\u0561\u057d\u0576\u0565\u056c\u0578\u057e 175,163 \u0570\u0561\u0566\u0561\u0580 \u0570\u0561\u057f\u056b, \u056b\u0576\u0579\u0568 \u0576\u0580\u0561\u0576\u0581 \u0574\u0561\u057d\u0576\u0561\u0562\u0561\u056a\u056b\u0576\u0568 \u0568\u0576\u0564\u0570\u0561\u0576\u0578\u0582\u0580 \u0561\u057c\u0574\u0561\u0574\u0562 \u0561\u057e\u0565\u056c\u0561\u0581\u0580\u0565\u056c \u0567 1,8% &#8211; \u056b\u0581 \u0574\u056b\u0576\u0579\u0587 5,8%: \u0554\u0561\u0580\u057f\u0565\u0580\u056b \u0568\u0576\u0564\u0570\u0561\u0576\u0578\u0582\u0580 \u0569\u057e\u056b \u056f\u0561\u057c\u0578\u0582\u0581\u057e\u0561\u056e\u0584\u0578\u0582\u0574 \u0564\u0565\u0562\u0565\u057f\u0561\u0575\u056b\u0576 \u0584\u0561\u0580\u057f\u0565\u0580\u0568 \u0577\u0561\u0580\u0578\u0582\u0576\u0561\u056f\u0578\u0582\u0574 \u0565\u0576 \u0563\u0565\u0580\u0561\u056f\u0577\u057c\u0565\u056c \u055d \u057f\u0561\u0580\u0565\u056f\u0561\u0576 \u056f\u057f\u0580\u057e\u0561\u056e\u0584\u0578\u057e \u0564\u0580\u0561\u0576\u0581 \u0574\u0561\u057d\u0576\u0561\u0562\u0561\u056a\u0576\u056b \u0561\u0573\u0578\u057e \u055d 58,6% &#8211; \u056b\u0581 \u0574\u056b\u0576\u0579\u0587 64,7% (1,973 \u0574\u056b\u056c\u056b\u0578\u0576 \u0570\u0561\u057f), \u0578\u0580\u056b\u0576 \u0570\u0561\u057b\u0578\u0580\u0564\u0578\u0582\u0574 \u0565\u0576 \u0570\u0561\u0577\u057e\u0561\u0580\u056f\u0561\u0575\u056b\u0576 \u0584\u0561\u0580\u057f\u0565\u0580\u0568 \u055d 32,5% &#8211; \u056b\u0581 \u0574\u056b\u0576\u0579\u0587 33,1% (1,010 \u0574\u056b\u056c\u056b\u0578\u0576 \u0570\u0561\u057f) \u0561\u0573\u0578\u057e, \u056b\u0576\u0579\u056b \u0586\u0578\u0576\u056b\u0576 \u057e\u0561\u0580\u056f\u0561\u0575\u056b\u0576 \u0584\u0561\u0580\u057f\u0565\u0580\u056b \u0574\u0561\u057d\u0576\u0561\u0562\u0561\u056a\u056b\u0576\u0568 \u0576\u057e\u0561\u0566\u0565\u056c \u0567 8,9% &#8211; \u056b\u0581 \u0574\u056b\u0576\u0579\u0587 2,1% (65,064 \u0570\u0561\u0566\u0561\u0580 \u0570\u0561\u057f): \u0538\u0576\u0564 \u0578\u0580\u0578\u0582\u0574, \u0569\u057e\u056b \u057f\u0561\u0580\u0565\u056f\u0561\u0576 \u0561\u0573 \u0576\u056f\u0561\u057f\u057e\u0578\u0582\u0574 \u0567 \u0564\u0565\u0562\u0565\u057f\u0561\u0575\u056b\u0576 \u0587 \u0570\u0561\u0577\u057e\u0561\u0580\u056f\u0561\u0575\u056b\u0576 \u0584\u0561\u0580\u057f\u0565\u0580\u056b \u0563\u056e\u0578\u057e, \u0570\u0561\u0574\u0561\u057a\u0561\u057f\u0561\u057d\u056d\u0561\u0576\u0561\u0562\u0561\u0580, 28,4% \u0587 18,6%, \u056b\u057d\u056f \u057e\u0561\u0580\u056f\u0561\u0575\u056b\u0576 \u0584\u0561\u0580\u057f\u0565\u0580\u056b \u0569\u056b\u057e\u0568 \u0576\u057e\u0561\u0566\u0565\u056c \u0567 \u0561\u057e\u0565\u056c\u056b \u0584\u0561\u0576 3,5 \u0561\u0576\u0563\u0561\u0574\u0589 \u053b\u0576\u0579\u057a\u0565\u057d \u0576\u0561\u056d\u056f\u056b\u0576\u0578\u0582\u0574, \u0564\u0565\u0562\u0565\u057f\u0561\u0575\u056b\u0576 \u0587 \u0570\u0561\u0577\u057e\u0561\u0580\u056f\u0561\u0575\u056b\u0576 \u0584\u0561\u0580\u057f\u0565\u0580\u056b \u0574\u0565\u056e \u0574\u0561\u057d\u0568 Visa-\u0576 \u0567, \u056b\u057d\u056f \u057e\u0561\u0580\u056f\u0561\u0575\u056b\u0576 \u0584\u0561\u0580\u057f\u0565\u0580\u056b \u0561\u057c\u0561\u057b\u0561\u057f\u0561\u0580 MasterCard-\u0568 \u0574\u056b\u0561\u0575\u0576 \u0583\u0578\u0584\u0580-\u056b\u0576\u0579 \u0563\u0565\u0580\u0561\u0566\u0561\u0576\u0581\u0578\u0582\u0574 \u0567 Visa-\u056b\u0576:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0554\u0561\u0580\u057f\u0565\u0580\u056b \u0568\u0576\u0564\u0570\u0561\u0576\u0578\u0582\u0580 \u0584\u0561\u0576\u0561\u056f\u0578\u0582\u0574 \u057f\u0561\u0580\u0565\u056f\u0561\u0576 \u056f\u057f\u0580\u057e\u0561\u056e\u0584\u0578\u057e \u0561\u0573\u0565\u056c \u0567 NFC \u0579\u056b\u057a\u0578\u057e \u0574\u056b\u056f\u0580\u0578\u057a\u0580\u0578\u0581\u0565\u057d\u056b\u0576\u0563\u0561\u0575\u056b\u0576 \u0584\u0561\u0580\u057f\u0565\u0580\u056b \u0574\u0561\u057d\u0576\u0561\u0562\u0561\u056a\u056b\u0576\u0568\u055d 51,2%-\u056b\u0581 \u0574\u056b\u0576\u0579\u0587 65,7% \u056f\u0561\u0574 2,002 \u0574\u056c\u0576 \u0570\u0561\u057f (\u057f\u0561\u0580\u0565\u056f\u0561\u0576 60% \u0561\u0573), \u0578\u0580\u0578\u0576\u0581 \u0574\u0565\u056e \u0574\u0561\u057d\u0568 Visa \u0584\u0561\u0580\u057f\u0565\u0580 \u0565\u0576 (\u0561\u057e\u0565\u056c\u056b \u0584\u0561\u0576 1,227 \u0574\u056c\u0576 \u0570\u0561\u057f): \u0531\u0573\u0565\u056c \u0567 \u0576\u0561\u0587 \u057e\u056b\u0580\u057f\u0578\u0582\u0561\u056c \u0584\u0561\u0580\u057f\u0565\u0580\u056b \u0574\u0561\u057d\u0576\u0561\u0562\u0561\u056a\u056b\u0576\u0568\u055d 1,3%-\u056b\u0581 \u0574\u056b\u0576\u0579\u0587 2,6% \u056f\u0561\u0574 79,321 \u0570\u0561\u0566\u0561\u0580 \u0570\u0561\u057f (\u057f\u0561\u0580\u0565\u056f\u0561\u0576 \u0561\u0576\u056f\u0578\u0582\u0574\u0568 9,7%), \u0578\u0580\u0578\u0576\u0581 \u0569\u056b\u057e\u0568 \u057f\u0561\u0580\u0565\u056f\u0561\u0576 \u056f\u057f\u0580\u057e\u0561\u056e\u0584\u0578\u057e \u0561\u0573\u0565\u056c \u0567 2,4 \u0561\u0576\u0563\u0561\u0574, \u0587 \u0565\u0569\u0565 \u0576\u0561\u056d\u056f\u056b\u0576\u0578\u0582\u0574 \u0564\u0580\u0561\u0576\u0584 \u0574\u056b\u0561\u0575\u0576 Visa \u0584\u0561\u0561\u0580\u057f\u0565\u0580 \u0567\u056b\u0576, \u0561\u057a\u0561 \u057d.\u0569. III \u0565\u057c\u0561\u0574\u057d\u0575\u0561\u056f\u056b\u0581 \u0570\u0561\u0575\u057f\u0576\u057e\u0565\u056c \u0567 \u0576\u0561\u0587 MasterCard-\u0568\u0589 \u0534\u0580\u0561\u0576 \u0566\u0578\u0582\u0563\u0568\u0576\u0569\u0561\u0581 \u0576\u057e\u0561\u0566\u0565\u056c \u0567 \u0574\u0561\u0563\u0576\u056b\u057d\u0561\u056f\u0561\u0576 \u056a\u0561\u057a\u0561\u057e\u0565\u0576\u0578\u057e \u0584\u0561\u0580\u057f\u0565\u0580\u056b \u0574\u0561\u057d\u0576\u0561\u0562\u0561\u056a\u056b\u0576\u0568 \u055d 31,6% &#8211; \u056b\u0581 \u0574\u056b\u0576\u0579\u0587 24,5% \u056f\u0561\u0574 748,105 \u0570\u0561\u0566\u0561\u0580 \u0570\u0561\u057f&nbsp; (\u057f\u0561\u0580\u0565\u056f\u0561\u0576 9,7% \u0561\u0576\u056f\u0578\u0582\u0574), \u0587 \u0564\u0580\u0561\u0576\u0584, \u0570\u056b\u0574\u0576\u0561\u056f\u0561\u0576\u0578\u0582\u0574, ArCa-\u056b \u0584\u0561\u0580\u057f\u0565\u0580 \u0565\u0576 (711,505 \u0570\u0561\u0566\u0561\u0580 \u0570\u0561\u057f): \u0540\u056b\u0562\u0580\u056b\u0564\u0561\u0575\u056b\u0576 \u0584\u0561\u0580\u057f\u0565\u0580\u056b \u0574\u0561\u057d\u0576\u0561\u0562\u0561\u056a\u056b\u0576\u0568 \u0576\u057e\u0561\u0566\u0565\u056c \u0567 15,9% &#8211; \u056b\u0581 \u0574\u056b\u0576\u0579\u0587 7,2% \u056f\u0561\u0574 218,395 \u0570\u0561\u0566\u0561\u0580 \u0570\u0561\u057f (\u057f\u0561\u0580\u0565\u056f\u0561\u0576 \u0561\u0576\u056f\u0578\u0582\u0574 47,6%), \u0587 \u0564\u0580\u0561\u0576\u0581 \u0574\u0565\u056e \u0574\u0561\u057d\u0568 \u0562\u0561\u056a\u056b\u0576 \u0567 \u0568\u0576\u056f\u0576\u0578\u0582\u0574 MasterCard-\u056b\u0576 \u0587 Visa-\u056b\u0576:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u053b\u0576\u0579\u057a\u0565\u057d \u0570\u0578\u056f\u057f\u0565\u0574\u0562\u0565\u0580\u056b\u0576 \u0570\u0561\u0575\u057f\u0561\u0580\u0561\u0580\u0565\u056c \u0567\u0580 \u054c\u0578\u0582\u057d\u0561\u057d\u057f\u0561\u0576\u056b \u057f\u0578\u0582\u0580\u0585\u057a\u0565\u0580\u0561\u057f\u0578\u0580\u0576\u0565\u0580\u056b \u0561\u057d\u0578\u0581\u056b\u0561\u0581\u056b\u0561\u0576, \u0561\u0575\u056a\u0574 \u057c\u0578\u0582\u057d\u0561\u057d\u057f\u0561\u0576\u0581\u056b\u0576\u0565\u0580\u056b \u0584\u0561\u0580\u057f\u0561\u0575\u056b\u0576 \u057f\u0578\u0582\u0580\u0565\u0580\u056b \u057d\u0565\u0563\u0574\u0565\u0576\u057f\u0578\u0582\u0574 \u0561\u057c\u0561\u057b\u0561\u057f\u0561\u0580 \u0567 \u0564\u0561\u0580\u0571\u0565\u056c \u0540\u0561\u0575\u0561\u057d\u057f\u0561\u0576\u0568, \u0576\u0577\u0565\u056c\u0578\u057e, \u0578\u0580 \u0564\u0565\u057a\u056b \u0540\u0561\u0575\u0561\u057d\u057f\u0561\u0576 \u0576\u0574\u0561\u0576 &#8220;\u0584\u0561\u0580\u057f\u0561\u0575\u056b\u0576&#8221; \u0577\u0580\u057b\u0561\u0563\u0561\u0575\u0578\u0582\u0569\u0575\u0561\u0576 \u0563\u0576\u0565\u0580\u0568 \u0570\u0561\u0574\u0565\u0574\u0561\u057f\u0565\u056c\u056b \u0565\u0576 \u0561\u0575\u056c \u0565\u0580\u056f\u0580\u0576\u0565\u0580\u056b \u0570\u0565\u057f: \u0544\u056b\u057b\u056b\u0576 \u0570\u0561\u0577\u057e\u0578\u057e, \u0584\u0561\u0580\u057f\u056b \u0570\u0561\u0574\u0561\u0580 \u0540\u0561\u0575\u0561\u057d\u057f\u0561\u0576 \u0578\u0582\u0572\u0587\u0578\u0580\u0578\u0582\u0569\u0575\u0578\u0582\u0576\u0568 \u057c\u0578\u0582\u057d\u0561\u057d\u057f\u0561\u0576\u0581\u056b\u0576\u0565\u0580\u056b \u057e\u0580\u0561 \u056f\u0576\u057d\u057f\u056b 50-55 \u0570\u0561\u0566\u0561\u0580 \u057c\u0578\u0582\u0562\u056c\u056b\u055d \u0565\u0580\u056f\u0578\u0582\u057d\u056b \u0570\u0561\u0574\u0561\u0580 (\u0561\u057c\u0561\u0576\u0581 \u0570\u0561\u0577\u057e\u056b \u0561\u057c\u0576\u0565\u056c\u0578\u0582 \u0585\u0564\u0561\u0575\u056b\u0576 \u0573\u0561\u0576\u0561\u057a\u0561\u0580\u0570\u0578\u0580\u0564\u0578\u0582\u0569\u0575\u0561\u0576 \u0561\u0580\u056a\u0565\u0584\u0568):<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0546\u0577\u0565\u0576\u0584, 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\u0570\u0565\u057f: \u0534\u0561 15-20% &#8211; \u0578\u057e \u056f\u0562\u0561\u0580\u0571\u0580\u0561\u0581\u0576\u056b \u0584\u0561\u0580\u057f\u0561\u0575\u056b\u0576 \u0577\u0580\u057b\u0561\u0563\u0561\u0575\u0578\u0582\u0569\u0575\u0578\u0582\u0576\u0576\u0565\u0580\u056b \u0576\u056f\u0561\u057f\u0574\u0561\u0574\u0562 \u057a\u0561\u0570\u0561\u0576\u057b\u0561\u0580\u056f\u0568:<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0540\u0561\u0575\u0561\u057d\u057f\u0561\u0576\u056b \u057a\u056c\u0561\u057d\u057f\u056b\u056f \u0577\u0578\u0582\u056f\u0561\u0575\u0578\u0582\u0574 2022\u0569. \u0570\u0578\u056f\u057f\u0565\u0574\u0562\u0565\u0580\u056b 1-\u056b \u0564\u0580\u0578\u0582\u0569\u0575\u0561\u0574\u0562 \u056f\u0561\u0580 3,048 \u0574\u056c\u0576 \u0584\u0561\u0580\u057f (\u0561\u0575\u0564 \u0569\u057e\u0578\u0582\u0574 \u055d \u0584\u0578\u0562\u0565\u0575\u057b\u056b\u0576\u0563\u0561\u0575\u056b\u0576 ArCa-\u0544\u053b\u054c \u0587 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