# Click > Source: https://docs.barcoder.ai/docs/payments/UZ/click > research date 2026-10-19 · extracted at 2026-10-20 > Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards **Click** is one of Uzbekistan's main payment apps, alongside Payme and Paynet [[17]](https://kun.uz/en/news/2026/05/19/how-do-people-in-uzbekistan-pay-and-who-leads-the-market), and has been running since November 2011 [[1]](https://click.uz/ru/about). You link an [UzCard](https://docs.barcoder.ai/docs/payments/UZ/uzcard) or [Humo](https://docs.barcoder.ai/docs/payments/UZ/humo) bank card to the Click SuperApp, a Telegram bot, the web cabinet or the USSD menu `*880#`, which works without internet [[2]](https://click.uz/ru/system-description-and-capabilities). From there you pay bills, send money from card to card for 1.1 % [[3]](https://click.uz/ru/tarifs), or scan a shop's QR code. Click had over 20 million registered users and 70,000 service providers in July 2025 [[13]](https://kun.uz/en/news/2025/07/23/click-and-halyk-bank-announce-historic-237-million-partnership-to-transform-uzbekistans-financial-services). | | | |---|---| | **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]](https://click.uz/ru/about) [[9]](https://click.uz/ru/news/213/uvedomlenie-ob-izmenenii-emitenta-elektronnih-deneg-sistemi-click) | | **Since** | November 2011 [[1]](https://click.uz/ru/about) | | **Users** | Over 20 million registered (July 2025) [[13]](https://kun.uz/en/news/2025/07/23/click-and-halyk-bank-announce-historic-237-million-partnership-to-transform-uzbekistans-financial-services); "more than 25 million" by the company's October 2026 count [[8]](https://click.uz/ru/news/212/oficialnii-kommentarii-kompanii-click-v-svyazi-s-publikaciyami-o-kibermoshennichestve) | | **Cost** | Paying goods and services 0 % (some services 1 %); card-to-card 1.1 %; wallet-to-wallet 0 % [[3]](https://click.uz/ru/tarifs) | | **Typical limit** | Set by each card's bank, per payment, day and month [[12]](https://click.uz/en/faq); wallet up to UZS 44 million per transfer [[5]](https://click.uz/ru/news/209/komissiya-yoq-kak-perevodit-dengi-v-click-bez-komissii) | | **Reaches** | Domestic: transfers only between UzCard and Humo cards [[12]](https://click.uz/en/faq) | | **Code on paper?** | Yes. Shops display Click QR stickers [[11]](https://click.uz/ru/click-terminal), and the app also scans Tez QR and the national UzQR [[18]](https://www.spot.uz/ru/2026/04/10/click/) | ## 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]](https://click.uz/ru/about). 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]](https://buxgalter.uz/publish/doc/text158023_u_platejnyh_terminalov_poyavilas_alternativa1). | Date | What happened | |---|---| | Nov 2011 | Click LLC founded [[1]](https://click.uz/ru/about) | | Mar 2020 | Click can pay the Central Bank's new QR-online codes [[24]](https://buxgalter.uz/publish/doc/text158023_u_platejnyh_terminalov_poyavilas_alternativa1) | | 1 Mar 2023 | **Click Pass**: pay at a shop's cash register by showing a QR code in the app [[10]](https://click.uz/ru/payment-on-spot) | | 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]](https://daryo.uz/en/2024/11/04/click-revenue-up-by-35-over-9m24-1201971/) | | Oct 2024 | One of the first apps for UzCard's Tez QR [[20]](https://api.uzcard.uz/en/news/tez_qr_service/) | | 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]](https://kun.uz/en/news/2025/07/23/click-and-halyk-bank-announce-historic-237-million-partnership-to-transform-uzbekistans-financial-services) | | 30 Sep 2025 | Click shares admitted to trading on the Tashkent stock exchange [[14]](https://www.spot.uz/ru/2025/10/02/click-kazakhstan/) | | End of 2025 | The Halyk deal is not completed and the signed documents expire. Spot's sources said it still awaited Uzbek regulators [[15]](https://www.spot.uz/ru/2026/03/19/click-halyk/) | | 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]](https://kun.uz/en/news/2026/05/19/how-do-people-in-uzbekistan-pay-and-who-leads-the-market) | | 7 Oct 2026 | Asia Alliance Bank becomes the issuer of Click's electronic money; tariffs unchanged [[9]](https://click.uz/ru/news/213/uvedomlenie-ob-izmenenii-emitenta-elektronnih-deneg-sistemi-click) | **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]](https://www.spot.uz/ru/2025/10/02/click-kazakhstan/). 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]](https://www.spot.uz/ru/2026/03/19/click-halyk/). ## 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]](https://click.uz/en/faq). Online identification in the app unlocks the full wallet [[5]](https://click.uz/ru/news/209/komissiya-yoq-kak-perevodit-dengi-v-click-bez-komissii). 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]](https://click.uz/ru/system-description-and-capabilities). Auto-payments handle regular bills [[2]](https://click.uz/ru/system-description-and-capabilities). 3. **Send money** by the recipient's card number or phone number, between cards of any Uzbek bank [[4]](https://click.uz/ru/perevod-s-karti-na-kartu). Over USSD you dial the card or phone number and the amount [[4]](https://click.uz/ru/perevod-s-karti-na-kartu). A transfer by phone number reaches the recipient once that number is registered in Click [[4]](https://click.uz/ru/perevod-s-karti-na-kartu). 4. **Request money** from another user by their number [[4]](https://click.uz/ru/perevod-s-karti-na-kartu). 5. **Pay in a shop** with the QR scanner (scan, enter the amount, confirm) [[18]](https://www.spot.uz/ru/2026/04/10/click/). You can also tap **Click Pass** and let the cashier scan the code on your screen [[10]](https://click.uz/ru/payment-on-spot), or pay by NFC with HUMO Pay on Android [[22]](https://humocard.uz/en/card-holders/humopay/). **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]](https://click.uz/en/faq). Since March 2026 the app can also top up domestic **Visa Sum** cards and send to them (sponsored announcement) [[23]](https://www.spot.uz/oz/2026/03/27/click/). **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]](https://click.uz/). ## Limits and fees From Click's tariff page and announcements, read 19 October 2026: | Service | Fee or limit | Source | |---|---|---| | Joining, using Click | Free | [[3]](https://click.uz/ru/tarifs) | | Paying goods and services | 0 % (some services 1 %) | [[3]](https://click.uz/ru/tarifs) | | Card-to-card transfer | 1.1 % | [[3]](https://click.uz/ru/tarifs) [[4]](https://click.uz/ru/perevod-s-karti-na-kartu) | | Card or wallet → Click wallet | 0 % | [[3]](https://click.uz/ru/tarifs) | | Click wallet → card | 1.5 % | [[3]](https://click.uz/ru/tarifs) | | Topping up the wallet through Paynet | 3.0 % | [[3]](https://click.uz/ru/tarifs) | | 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]](https://click.uz/ru/news/209/komissiya-yoq-kak-perevodit-dengi-v-click-bez-komissii) | | Payment history ("monitoring") | UZS 4,999 a month, UZS 6,490 from 1 Sep 2026 (incl. 12 % VAT) | [[3]](https://click.uz/ru/tarifs) | | Card transfer limits | Each bank's one-time, daily and monthly limits; Click can't raise them | [[12]](https://click.uz/en/faq) | **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]](https://click.uz/ru/news/211/skachai-click-perevodi-do-3-mln-besplatno). - 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]](https://click.uz/ru/news/215/click-zapuskaet-programmu-snizhennaya-komissiya-na-p2p-perevodi-07-dlya-sluchainoi-viborki-identificirovannih-polzovatelei-click-superapp). 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]](https://click.uz/ru/click-terminal). - **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]](https://click.uz/ru/payment-on-spot). - **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]](https://www.spot.uz/ru/2026/04/10/click/). Since January 2026 it pays UzCard's Tez QR with Humo cards too [[21]](https://api.uzcard.uz/en/news/tezqr_expands_capabilities/). - **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]](https://www.spot.uz/ru/2026/07/29/cb-uzqr/). - **Scale.** Over 70,000 service providers worked with Click in July 2025 [[13]](https://kun.uz/en/news/2025/07/23/click-and-halyk-bank-announce-historic-237-million-partnership-to-transform-uzbekistans-financial-services). For Uzbek payment companies, merchant-acquiring fees are one of three core revenue streams, with P2P and bill-payment fees [[17]](https://kun.uz/en/news/2026/05/19/how-do-people-in-uzbekistan-pay-and-who-leads-the-market). ## 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]](https://click.uz/en/faq). In March 2026 Click called integration with international payment solutions a priority (sponsored) [[23]](https://www.spot.uz/oz/2026/03/27/click/). 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]](https://www.spot.uz/ru/2026/03/19/click-halyk/). ## 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]](https://click.uz/ru/click-terminal). - **Customer-presented (Click Pass):** the app shows a QR code and the cashier's register scans it [[10]](https://click.uz/ru/payment-on-spot). - **Other systems' codes:** the app scans UzCard's [Tez QR](https://docs.barcoder.ai/docs/payments/UZ/uzcard) shown on a terminal screen [[20]](https://api.uzcard.uz/en/news/tez_qr_service/). It also scans the national UzQR and QR-online codes; see [QR-online](https://docs.barcoder.ai/docs/payments/UZ/qr-online). Click has not published its QR payload format, so this page can't say whether it follows [EMVCo merchant-presented QR](https://docs.barcoder.ai/docs/standards/emvco-mpm). The [Click standard page](https://docs.barcoder.ai/docs/standards/click) covers the app's background. The QR code printed on an Uzbek receipt is a fiscal (tax) receipt code, not a payment code [[10]](https://click.uz/ru/payment-on-spot). ## 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]](https://click.uz/ru/news/212/oficialnii-kommentarii-kompanii-click-v-svyazi-s-publikaciyami-o-kibermoshennichestve). The Central Bank warns about the same pattern: callers posing as bank or payment-company staff ask for the one-time SMS code [[25]](https://cbu.uz/uz/press_center/news/494849/). - **Click staff never ask for SMS codes or PINs**, and never ask you to move money "for safekeeping" [[8]](https://click.uz/ru/news/212/oficialnii-kommentarii-kompanii-click-v-svyazi-s-publikaciyami-o-kibermoshennichestve). - If someone rushes or frightens you, hang up and call the organisation on its official number [[8]](https://click.uz/ru/news/212/oficialnii-kommentarii-kompanii-click-v-svyazi-s-publikaciyami-o-kibermoshennichestve). - 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]](https://click.uz/ru/news/212/oficialnii-kommentarii-kompanii-click-v-svyazi-s-publikaciyami-o-kibermoshennichestve). ## 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]](https://kun.uz/en/news/2026/05/19/how-do-people-in-uzbekistan-pay-and-who-leads-the-market) | | **Bank apps** | Transfers and QR payments from your own bank | Your bank's own limits and fees | | **[UzCard](https://docs.barcoder.ai/docs/payments/UZ/uzcard) / [Humo](https://docs.barcoder.ai/docs/payments/UZ/humo) card** | Terminals, ATMs | The cards Click runs on | | **UzQR / [QR-online](https://docs.barcoder.ai/docs/payments/UZ/qr-online)** | Any shop, any app | Mandatory for businesses since July 2026 [[19]](https://www.spot.uz/ru/2026/07/29/cb-uzqr/) | ## Sources 1. Click, "Почему \"Click\"" (About the company), read 19 Oct 2026. 2. Click, "Click SuperApp | Описание и возможности системы", read 19 Oct 2026. 3. Click, "Click SuperApp | Тарифы на услуги", read 19 Oct 2026. 4. Click, "Click SuperApp | Перевод с карты на карту", read 19 Oct 2026. 5. Click, "Komissiya yo‘q! Как переводить деньги в Click без комиссии", 19 Oct 2026. 6. Click, "Click запускает программу «Сниженная комиссия на P2P переводы 0,7%» для случайной выборки идентифицированных пользователей Click SuperApp", 15 Oct 2026. 7. Click, "Скачай Click — переводи до 3 млн бесплатно", 24 Sep 2026. 8. Click, "Официальный комментарий компании Click в связи с публикациями о кибермошенничестве", 7 Oct 2026. 9. Click, "Уведомление об изменении эмитента электронных денег системы CLICK", 21 Sep 2026. 10. Click, "Click SuperApp | Оплата на местах", read 19 Oct 2026. 11. Click, "Click SuperApp | CLICK Tерминал", read 19 Oct 2026. 12. Click, "Frequently asked questions about Click system (FAQ)", read 19 Oct 2026. 13. Kun.uz, "Click and Halyk Bank announce historic $237 million partnership to transform Uzbekistan’s financial services", 23 Jul 2025. 14. Spot, "Halyk Bank получил одобрение казахстанского регулятора на покупку 49% в Click", 2 Oct 2025. 15. Spot, "Click и Halyk Bank не завершили сделку к концу 2025 года", 19 Mar 2026. 16. Daryo, "Click revenue up by 35% over 9M24", 4 Nov 2024. 17. Kun.uz, "How do people in Uzbekistan pay and who leads the market", 19 May 2026. 18. Spot (sponsored), "В Click SuperApp доступна оплата через QR-код Xolis и любой единый QR", 10 Apr 2026. 19. Spot, "В Узбекистане более 265 тыс. предпринимателей подключили единый платежный QR-код", 29 Jul 2026. 20. UZCARD, "“With the new Tez QR service from UZCARD, it is possible to pay without plastic card or cash”", 2 Oct 2024. 21. UZCARD, "Tez QR Expands Capabilities: More Partners and Full Freedom to Pay with Any Card", 15 Jan 2026. 22. HUMO, "HUMOPay", read 19 Oct 2026. 23. Spot (sponsored), "Click’da Visa Sum kartalari bilan ishlash imkoniyati yaritildi", 27 Mar 2026. 24. Buxgalter.uz, "QR-online – альтернатива платежным терминалам", 3 Mar 2020. 25. Central Bank of Uzbekistan, "Savol-javob" (Q&A on telephone fraud), 11 May 2021. 26. Click, "Click SuperApp - Официальный сайт" (home page), read 19 Oct 2026. *Researched 19 October 2026. Limits and bank offerings change; the banks' own pages are authoritative.*