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Payments/UZ/click

Click

Click is one of Uzbekistan's main payment apps, alongside Payme and Paynet [17], and has been running since November 2011 [1]. You link an UzCard or Humo bank card to the Click SuperApp, a Telegram bot, the web cabinet or the USSD menu *880#, which works without internet [2]. From there you pay bills, send money from card to card for 1.1 % [3], or scan a shop's QR code. Click had over 20 million registered users and 70,000 service providers in July 2025 [13].
Country Uzbekistan (UZ)
What it is Payment app and e-wallet on top of UzCard and Humo cards
Operator Click (founded as Click LLC, now JSC "Click") [1] [9]
Since November 2011 [1]
Users Over 20 million registered (July 2025) [13]; "more than 25 million" by the company's October 2026 count [8]
Cost Paying goods and services 0 % (some services 1 %); card-to-card 1.1 %; wallet-to-wallet 0 % [3]
Typical limit Set by each card's bank, per payment, day and month [12]; wallet up to UZS 44 million per transfer [5]
Reaches Domestic: transfers only between UzCard and Humo cards [12]
Code on paper? Yes. Shops display Click QR stickers [11], and the app also scans Tez QR and the national UzQR [18]

How Click came to Uzbekistan

Click was founded in November 2011 as a way to pay utilities, internet and mobile bills from a phone [1]. When the Central Bank launched its QR-online service in March 2020, Click was the app it named for shoppers whose banks' apps could not yet pay QR codes [24].

Date What happened
Nov 2011 Click LLC founded [1]
Mar 2020 Click can pay the Central Bank's new QR-online codes [24]
1 Mar 2023 Click Pass: pay at a shop's cash register by showing a QR code in the app [10]
Sep 2024 Over 18.4 million registered users (15.7 million a year earlier) and 3.3 million authorised accounts. Revenue for the first nine months of 2024: UZS 420.9 billion [16]
Oct 2024 One of the first apps for UzCard's Tez QR [20]
Jul 2025 Over 20 million users and 70,000 service providers. Halyk Bank of Kazakhstan agrees to buy 49 % for $176.4 million, while Click's shareholders buy 49 % of Halyk's Tenge Bank [13]
30 Sep 2025 Click shares admitted to trading on the Tashkent stock exchange [14]
End of 2025 The Halyk deal is not completed and the signed documents expire. Spot's sources said it still awaited Uzbek regulators [15]
Q1 2026 UZS 209.4 billion net revenue and UZS 78.6 billion net profit, with Click building a super app of its own and partner services [17]
7 Oct 2026 Asia Alliance Bank becomes the issuer of Click's electronic money; tariffs unchanged [9]

The Halyk deal. Kazakhstan's regulator approved Halyk's purchase on 29 September 2025. The deal also needs Uzbekistan's Central Bank and Competition Committee [14]. Halyk's materials for its 2026 shareholder meeting said the deal was not completed by the end of 2025, and that the parties were still discussing options [15].

How to use it

  1. Register. Install Click SuperApp and enter a phone number that has your bank's SMS notification service. Confirm the SMS code, add your card's number and expiry date, and set a 5-digit Click-PIN. The Telegram bot @clickuz works the same way [12]. Online identification in the app unlocks the full wallet [5].
  2. Pay bills and services in any of the channels: app, Telegram bot, web cabinet my.click.uz, or USSD *880#, which works with no internet [2]. Auto-payments handle regular bills [2].
  3. Send money by the recipient's card number or phone number, between cards of any Uzbek bank [4]. Over USSD you dial the card or phone number and the amount [4]. A transfer by phone number reaches the recipient once that number is registered in Click [4].
  4. Request money from another user by their number [4].
  5. Pay in a shop with the QR scanner (scan, enter the amount, confirm) [18]. You can also tap Click Pass and let the cashier scan the code on your screen [10], or pay by NFC with HUMO Pay on Android [22].

Which cards. Click works on UzCard and Humo cards. You can add Visa and Mastercard cards, but card-to-card transfers run only between UzCard and Humo [12]. Since March 2026 the app can also top up domestic Visa Sum cards and send to them (sponsored announcement) [23].

Family transfers. "My family" makes transfers to relatives free. It works for identified users whose relationship is confirmed in the civil registry (ZAGS) database [26].

Limits and fees

From Click's tariff page and announcements, read 19 October 2026:

Service Fee or limit Source
Joining, using Click Free [3]
Paying goods and services 0 % (some services 1 %) [3]
Card-to-card transfer 1.1 % [3] [4]
Card or wallet → Click wallet 0 % [3]
Click wallet → card 1.5 % [3]
Topping up the wallet through Paynet 3.0 % [3]
Wallet: one transfer / balance Up to UZS 44,000,000 / up to UZS 500,000,000; no cap on the number of free transfers [5]
Payment history ("monitoring") UZS 4,999 a month, UZS 6,490 from 1 Sep 2026 (incl. 12 % VAT) [3]
Card transfer limits Each bank's one-time, daily and monthly limits; Click can't raise them [12]

Promotions in autumn 2026.

  • New users who identify get fee-free transfers of up to UZS 3,000,000 for 30 days, once (from 24 September 2026) [7].
  • A random sample of identified users gets card-to-card transfers between Humo and UzCard at 0.7 % for 30 days. The programme runs from 15 October 2026 to 15 January 2027 [6].

Limits change; check Click's and your bank's current terms.

Paying shops and businesses

  • Click QR in shops (Click Terminal). A shop registers with its bank and gets a virtual terminal, a seller code and a QR sticker. Customers pay by scanning the sticker, by entering the seller code in the app or USSD, or by paying a bill the cashier sends to their number. The shop needs no physical bank terminal, and Click lists working without internet access and during power cuts as advantages [11].
  • Click Pass at the till. Since 1 March 2023 customers can pay at cash registers by showing a QR code from the app. The payment earns cashback from Click and from the tax app SoliqUz without scanning the receipt [10].
  • Other codes. In April 2026 Click said its scanner reads Xolis, TezQR, A-Pay, MUNIS, Rahmat and Poytaxt Parking codes and all banks' QR codes (sponsored) [18]. Since January 2026 it pays UzCard's Tez QR with Humo cards too [21].
  • UzQR. Since 1 July 2026 shops must display the Central Bank's unified UzQR. The Central Bank said they may keep Click codes beside it [19].
  • Scale. Over 70,000 service providers worked with Click in July 2025 [13]. For Uzbek payment companies, merchant-acquiring fees are one of three core revenue streams, with P2P and bill-payment fees [17].

Paying across borders

Click is a domestic app. Its FAQ says transfers go only between UzCard and Humo cards; Visa and Mastercard cards can be added but not sent to [12]. In March 2026 Click called integration with international payment solutions a priority (sponsored) [23]. No live international transfer or foreign-QR service was found in the sources. The partnership with Kazakhstan's Halyk Bank had not closed as of March 2026 [15].

How the Click codes work

Click uses QR codes both ways:

  • Merchant-presented (Click Terminal): a static sticker that ties to the shop's seller code. The customer scans it and enters the amount [11].
  • Customer-presented (Click Pass): the app shows a QR code and the cashier's register scans it [10].
  • Other systems' codes: the app scans UzCard's Tez QR shown on a terminal screen [20]. It also scans the national UzQR and QR-online codes; see QR-online.

Click has not published its QR payload format, so this page can't say whether it follows EMVCo merchant-presented QR. The Click standard page covers the app's background. The QR code printed on an Uzbek receipt is a fiscal (tax) receipt code, not a payment code [10].

Safety: the caller who wants your SMS code

In October 2026 Click responded to social-media posts that cited Interior Ministry cybercrime data mentioning Click. It said those cases were not hacks of the app. Most were social engineering: fraudsters talk a person into making the transfer or handing over access to their phone. Click says that if a check confirms fraud, it returns the money; you report it in the "Сообщить о мошенничестве" (report fraud) mini-app [8]. The Central Bank warns about the same pattern: callers posing as bank or payment-company staff ask for the one-time SMS code [25].

  • Click staff never ask for SMS codes or PINs, and never ask you to move money "for safekeeping" [8].
  • If someone rushes or frightens you, hang up and call the organisation on its official number [8].
  • If you already shared a code or sent a suspicious transfer, report it in the app, then call your card's bank and Click on +998 71 231 08 80 [8].

Click and the alternatives in Uzbekistan

Way to pay Best for Notes
Click Bills, P2P, shop QR codes, USSD without internet 1.1 % card-to-card; free between Click wallets
Payme The same uses Q1 2026 net revenue UZS 230.1 billion; Payme Plus All Inclusive gives fee-free P2P up to UZS 5 million a month [17]
Bank apps Transfers and QR payments from your own bank Your bank's own limits and fees
UzCard / Humo card Terminals, ATMs The cards Click runs on
UzQR / QR-online Any shop, any app Mandatory for businesses since July 2026 [19]

Sources

  1. Click, "Почему "Click"" (About the company), read 19 Oct 2026. https://click.uz/ru/about
  2. Click, "Click SuperApp | Описание и возможности системы", read 19 Oct 2026. https://click.uz/ru/system-description-and-capabilities
  3. Click, "Click SuperApp | Тарифы на услуги", read 19 Oct 2026. https://click.uz/ru/tarifs
  4. Click, "Click SuperApp | Перевод с карты на карту", read 19 Oct 2026. https://click.uz/ru/perevod-s-karti-na-kartu
  5. Click, "Komissiya yo‘q! Как переводить деньги в Click без комиссии", 19 Oct 2026. https://click.uz/ru/news/209/komissiya-yoq-kak-perevodit-dengi-v-click-bez-komissii
  6. Click, "Click запускает программу «Сниженная комиссия на P2P переводы 0,7%» для случайной выборки идентифицированных пользователей Click SuperApp", 15 Oct 2026. https://click.uz/ru/news/215/click-zapuskaet-programmu-snizhennaya-komissiya-na-p2p-perevodi-07-dlya-sluchainoi-viborki-identificirovannih-polzovatelei-click-superapp
  7. Click, "Скачай Click — переводи до 3 млн бесплатно", 24 Sep 2026. https://click.uz/ru/news/211/skachai-click-perevodi-do-3-mln-besplatno
  8. Click, "Официальный комментарий компании Click в связи с публикациями о кибермошенничестве", 7 Oct 2026. https://click.uz/ru/news/212/oficialnii-kommentarii-kompanii-click-v-svyazi-s-publikaciyami-o-kibermoshennichestve
  9. Click, "Уведомление об изменении эмитента электронных денег системы CLICK", 21 Sep 2026. https://click.uz/ru/news/213/uvedomlenie-ob-izmenenii-emitenta-elektronnih-deneg-sistemi-click
  10. Click, "Click SuperApp | Оплата на местах", read 19 Oct 2026. https://click.uz/ru/payment-on-spot
  11. Click, "Click SuperApp | CLICK Tерминал", read 19 Oct 2026. https://click.uz/ru/click-terminal
  12. Click, "Frequently asked questions about Click system (FAQ)", read 19 Oct 2026. https://click.uz/en/faq
  13. Kun.uz, "Click and Halyk Bank announce historic $237 million partnership to transform Uzbekistan’s financial services", 23 Jul 2025. https://kun.uz/en/news/2025/07/23/click-and-halyk-bank-announce-historic-237-million-partnership-to-transform-uzbekistans-financial-services
  14. Spot, "Halyk Bank получил одобрение казахстанского регулятора на покупку 49% в Click", 2 Oct 2025. https://www.spot.uz/ru/2025/10/02/click-kazakhstan/
  15. Spot, "Click и Halyk Bank не завершили сделку к концу 2025 года", 19 Mar 2026. https://www.spot.uz/ru/2026/03/19/click-halyk/
  16. Daryo, "Click revenue up by 35% over 9M24", 4 Nov 2024. https://daryo.uz/en/2024/11/04/click-revenue-up-by-35-over-9m24-1201971/
  17. Kun.uz, "How do people in Uzbekistan pay and who leads the market", 19 May 2026. https://kun.uz/en/news/2026/05/19/how-do-people-in-uzbekistan-pay-and-who-leads-the-market
  18. Spot (sponsored), "В Click SuperApp доступна оплата через QR-код Xolis и любой единый QR", 10 Apr 2026. https://www.spot.uz/ru/2026/04/10/click/
  19. Spot, "В Узбекистане более 265 тыс. предпринимателей подключили единый платежный QR-код", 29 Jul 2026. https://www.spot.uz/ru/2026/07/29/cb-uzqr/
  20. UZCARD, "“With the new Tez QR service from UZCARD, it is possible to pay without plastic card or cash”", 2 Oct 2024. https://api.uzcard.uz/en/news/tez_qr_service/
  21. UZCARD, "Tez QR Expands Capabilities: More Partners and Full Freedom to Pay with Any Card", 15 Jan 2026. https://api.uzcard.uz/en/news/tezqr_expands_capabilities/
  22. HUMO, "HUMOPay", read 19 Oct 2026. https://humocard.uz/en/card-holders/humopay/
  23. Spot (sponsored), "Click’da Visa Sum kartalari bilan ishlash imkoniyati yaritildi", 27 Mar 2026. https://www.spot.uz/oz/2026/03/27/click/
  24. Buxgalter.uz, "QR-online – альтернатива платежным терминалам", 3 Mar 2020. https://buxgalter.uz/publish/doc/text158023_u_platejnyh_terminalov_poyavilas_alternativa1
  25. Central Bank of Uzbekistan, "Savol-javob" (Q&A on telephone fraud), 11 May 2021. https://cbu.uz/uz/press_center/news/494849/
  26. Click, "Click SuperApp - Официальный сайт" (home page), read 19 Oct 2026. https://click.uz/

Researched 19 October 2026. Limits and bank offerings change; the banks' own pages are authoritative.

source · content/payments/UZ/click/index.md