What CLICK does

CLICK (legal entity: AO «CLICK» To'lov tashkiloti) is Uzbekistan's leading fintech platform, founded in 2011 and headquartered in Tashkent. The company operates a multi-channel payment ecosystem accessible via the Click SuperApp (iOS/Android/Huawei), the Telegram bot @clickuz, USSD menu codes, and the my.click.uz web portal, serving more than 20 million active users across Uzbekistan. Core services include card-to-card P2P transfers (1.1% fee), payments by bank requisites (1% commission), utility and telecom bill payments, and merchant acceptance through the Click Terminal virtual POS solution that works offline without internet connectivity. CLICK operates under Payment Organization License No. 1 issued by the Central Bank of Uzbekistan on June 22, 2024.

The product portfolio has expanded beyond core payments into a super-app ecosystem. Value-added modules include My Family (free P2P transfers for ZAGS-verified relatives), Click Avto (insurance monitoring, car marketplace, traffic fines), Click Boom (Bluetooth proximity P2P), TEZQR (QR payments via UZCARD), Payment Monitoring (subscription transaction alerts), Yashil Meros 2.0 (eco-gamification with virtual-to-real reforestation), Inson Uchun (charity/social assistance), and a Mini-Apps Platform for third-party developers. CLICK integrates with UZCARD, HUMO, Visa, Mastercard, settlement bank Uzum Bank, processing bank Kapital Bank, Asia Alliance Bank, and the government's e-Gov portal (my.gov.uz).

The business model is primarily transaction-fee based (1.1% on P2P transfers, 1% on bank-requisite payments), supplemented by four subscription tiers (Smart, Comfort, Pro, Elite) offering commission-free P2P limits, merchant service fees via Click Terminal, premium services (electronic/paper receipt delivery, auto-payments, promotional services for Click Auto listings), and a freemium consumer model where basic services are free. CLICK is led by co-founder and General Director (CEO) Ulug'bek Rustamov, with co-founder Rustam Fayziev serving as CSO. The platform is distributed via direct app-store presence, social media, Telegram, a dedicated business portal (business.click.uz), and partner banks. In July 2025, CLICK announced a $237 million cross-shareholding partnership with Kazakhstan's JSC Halyk Bank (implying a $536.4M post-money valuation), which expired unsigned on December 31, 2025, with parties continuing discussions pending regulatory approvals.

Name

CLICK

Legal name

Joint Stock Company "CLICK" Payment Organization (AO «CLICK» To'lov tashkiloti)

Website

https://click.uz

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

101–250 employees

Short description

CLICK is Uzbekistan's leading fintech super-app platform, founded in 2011 and serving over 20 million users via mobile apps, Telegram bot, USSD, and web. It provides card-to-card transfers, bill payments, merchant acceptance through Click Terminal virtual POS, and an expanding ecosystem of value-added services including subscriptions, automotive, eco-gamification, and a Mini-Apps Platform, operating under Central Bank of Uzbekistan License No. 1.

Ownership category

akta.pro rank

Product category

Mobile Payment Platform

akta.pro primary industry

General-Purpose Digital Wallets (P2P + Merchant) (FSAMAEAA)

akta.pro secondary industries

Consumer P2P International Remittances (FSAGAKAA), Request-to-Pay (R2P) & Pay Links (FSAMAFAE), PSP Aggregators / PayFac Enablement (Gateway Layer) (FSAMACAK)

Keywords

• Mobile payments
• Digital money transfers
• Payment super app
• Bill payment services
• Merchant acquiring

Headquarters

HQ city

Tashkent

HQ country

Uzbekistan

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Card-to-Card Transfers: Fee of 1.1% charged on card-to-card transfer amounts via the Click platform
2. Payment by Requisites: 1% commission on payments made by bank requisites; minimum 500 sums if payment amount is less than 50,000 sums
3. Subscription Plans (Tariff-based Subscription): Four subscription tiers (Smart, Comfort, Pro, Elite) with commission-free P2P transfers up to defined limits. Fees apply for Visa SUM and Mastercard SUM cards. Additional features like priority support and extended limits included in premium tiers.
4. Merchant Services: Virtual terminal services for merchants to accept indoor payments; merchants register via partner banks to receive unique merchant codes and QR codes
5. Premium Services: Electronic receipt delivery (paper version with delivery fee), auto payment services, monitoring services, and promotional services for merchants
6. Click Auto Services: Fee-based services including car listing promotion (single boost, daily/weekly packages, premium placement), roadside assistance provided through Litro

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels5 records

Core offering

CLICK operates Uzbekistan's leading FinTech super-app platform enabling cashless payments, card-to-card money transfers, utility and telecom bill payments, and merchant acquiring. The service is delivered through the Click SuperApp (iOS/Android/Huawei), Click Evolution, USSD/SMS menu (*880*), Telegram bot (@clickuz), and web portal (my.click.uz), reaching more than 20 million users nationwide. Revenue is generated through transaction fees (1.1% on P2P transfers, 1% on payments by requisites), merchant service fees via the Click Terminal virtual POS, and recurring subscription tiers (Smart, Comfort, Pro, Elite) that provide commission-free P2P transfers within monthly limits.

Product overview

Click is Uzbekistan's leading fintech super app platform providing comprehensive digital payment and financial services. The core offering consists of the Click SuperApp (available on iOS, Android, and Huawei) supplemented by multiple access channels including USSD, Telegram bot (@clickuz), and web portal (my.click.uz). The product portfolio centers on card-to-card transfers (1.1% fee), bill payments for utilities and services, and indoor merchant payments via the Click Terminal virtual POS solution. Key add-on modules include: My Family (free family transfers with ZAGS verification), Express Payment (USSD quick payments), Payment Monitoring (subscription-based transaction alerts), Click Boom (Bluetooth P2P transfers), Click Avto (automotive services), Yashil Meros (eco/gamification), Inson Uchun (charity), and the Mini-Apps Platform for third-party services. The platform serves approximately 20 million users and operates under Central Bank of Uzbekistan License No. 1. Integration ecosystem includes UZCARD, HUMO, Visa, Mastercard, Uzum Bank, and the e-Gov portal (my.gov.uz).

Differentiator

Problem solved

Functional benefit

Brands

• Click Evolution: Mobile application for Click services
• CLICK Terminal
• Click™ Boom
• Click Up
• Click Premium
• Click Auto
• My Family (Mening oilam)
• TEZQR
• Yashil Meros 2.0
• INSON UCHUN
• Click Terminal
• Payments Monitoring
• Electronic Receipt
• Tariff Plan Subscription

Products and services

• Click SuperApp Unified mobile super-application for cashless payments, money transfers, bill payments, and financial services. Available on iOS, Android, and Huawei app stores. Features customizable home screen, double cashback, and phone/card-free money transfers. Designed for mass-market consumers in Uzbekistan.
• Click Evolution Updated flagship mobile application for iOS and Android providing access to all Click payment services including indoor payments, transfers, and bill payments.
• Click Up Mobile application for iOS and Android providing access to all Click payment services including indoor payments, transfers, and bill payments.
• Card-to-Card Transfers (P2P) Service enabling money transfers between bank cards issued by Uzbekistan banks. Supports transfers by phone number or card number. Fee is 1.1% of transfer amount. Available to verified Click users via app, Telegram bot, USSD, and web portal.
• My Family (Mening oilam) Service for verified family members enabling free P2P transfers between confirmed relatives (parents, spouse, adult children, siblings). Requires ZAGS civil registry verification of kinship and is available to identified Click Up users.
• Click Terminal Virtual POS terminal solution for merchants enabling indoor cashless card payments without physical bank terminals. Supports USSD, QR code, and app-based payments. Works offline without internet access. Merchants register via partner banks and receive unique merchant codes.
• Express Payment (Ekspress-oplata) USSD-based quick payment service for mobile credit, internet providers, TV, telephony, and websites using shortcodes. Enables one-step payments for various telecom and digital services.
• My Receipts (Moi Kvitantsii) Service for downloading electronic or ordering paper receipts for utility payments (gas, water, electricity, heating, waste removal) and traffic fines. Available via web portal and Telegram bot.
• Auto-Payment (Avtoplatezh) Automated recurring payment service for scheduled bill payments and subscriptions.
• Payment Monitoring (Monitoring Platezhei) Subscription-based service providing real-time transaction alerts, expense/income statistics, and card activity monitoring for linked HUMO and UZCARD cards.
• Click Boom Bluetooth-based P2P transfer service for sending/receiving money to nearby Click users via wireless proximity technology, without requiring internet connectivity.
• Tariff Plan Subscription (Smart, Comfort, Pro, Elite) Premium subscription service with four tiers (Smart, Comfort, Pro, Elite) offering commission-free card-to-card transfers up to specified monthly limits. Fees apply for Visa SUM and Mastercard SUM cards and beyond-limit transfers. Additional features include priority support and extended limits.
• Click Avto Automotive service for insurance expiry alerts, car marketplace (Avtobozor), roadside assistance via Litro MChJ, and traffic fine information. Includes paid listing promotion features (single boost, daily/weekly packages, premium placement).
• TEZQR QR-code payment service at merchant POS terminals using the UZCARD national payment system. Users scan QR codes displayed at checkout for instant payments.
• Inson Uchun Charity service enabling users to apply for social assistance from the Fund or make charitable donations to fundraising campaigns organized with the National Social Protection Agency.
• Yashil Meros 2.0 Eco-service gamification feature encouraging environmental awareness through virtual tree planting. Users earn ecoballs for activities and can plant virtual trees that translate to real reforestation.
• Click Wallet Digital wallet within Click for storing funds, making transfers, paying for goods and services, and earning cashback rewards.
• Click Business Merchant services platform for businesses to accept Click payments, access marketing support, and utilize the Click Terminal virtual POS solution. Onboarding via business.click.uz.
• USSD Services USSD menu and commands accessible via *880* codes for feature phone users to perform Click payments, transfers, and balance checks without requiring internet connectivity.
• my.click.uz Web Portal Web-based personal account interface for managing Click payments, transfers, receipts, and account settings at my.click.uz. Accessible via any web browser.
• Telegram Bot (@clickuz) Official Telegram bot (@clickuz) for payments, transfers, account management, electronic receipt ordering, and customer support including fraud reporting.
• Click Podpiska (Click Subscription) Subscription-based service added to the Click SuperApp ecosystem enabling recurring access to premium Click features.
• QR-code Fuel Payment QR-code fuel payment feature allowing users to pay for fuel at gas stations by scanning QR codes through the Click mobile app.

Quantifiable outcome

• 20,000,000+ users in Uzbekistan
• +1 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature7 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Uzum BankcoreTechnology or IntegrationSettlement bank for 'Payment by Requisites' service. Processes bank account transfers for Click users paying to legal entities and individuals.
• Asia Alliance BankcoreTechnology or IntegrationDesignated bank for Click AJ operations with account 20208000804942713001, MFO 01095, used for settlement operations.
• Kapital BankcoreTechnology or IntegrationProcessing bank for Visa/Mastercard international payment system transfers via Click platform.
• UZCARDcoreTechnology or IntegrationNational payment system providing TEZQR service for QR-code payments at merchant POS terminals.
• Litro MChJminorImplementation/ SI/ Consulting PartnerRoadside assistance service provider for Click Auto service, contact: +998 71-203-13-53.
• Electronic Government Project Management CentercoreStrategic or Co-development PartnerGovernment entity providing access to state services portal (my.gov.uz) through Click interface for Davlat Xizmatlari (State Services).
• National Agency for Social ProtectionminorStrategic or Co-development PartnerGovernment agency behind 'Inson Uchun' charity service allowing users to apply for social assistance and make donations to verified collections.

Scale indicators5 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Uzum: Uzum is an Uzbek super-app ecosystem combining e-commerce, fintech (Uzum Bank), and payments. It is CLICK's principal super-app competitor in Uzbekistan, with a captive banking license that enables credit and deposit products beyond CLICK's payment-organization scope.
• Payme: Payme is one of Uzbekistan's leading payment platforms and QR-based merchant networks, directly competing with CLICK in P2P transfers, bill payments, and merchant acceptance. Closest domestic peer with overlapping consumer and merchant value propositions.
• Kaspi.kz: Kaspi.kz is Kazakhstan's dominant super-app combining payments, marketplace, and banking. It is the most analogous business model to CLICK in Central Asia and serves as the strategic benchmark for the super-app trajectory CLICK could pursue regionally.
• Tenge Bank: Tenge Bank is Halyk Bank's Uzbek subsidiary and was the named counterparty in CLICK's failed cross-shareholding deal. It competes in Uzbek payments and could remain a strategic adjacency or competitor depending on how CLICK's regional ambitions evolve.

Regional players

• Alif (Alif Bank): Alif Bank is Tajikistan's leading mobile-first bank and fintech, offering payments, transfers, and merchant services. It is a regional peer operating in an adjacent Central Asian market with a comparable digital-wallet-plus-banking model.
• TBC Bank Uzbekistan: TBC Bank operates in Uzbekistan as a digital-first bank via its TBC Uzbekistan subsidiary, offering payments, transfers, and consumer credit. It is a regional digital-banking peer serving overlapping Uzbek consumer and SMB segments.

Others

• Halyk Bank: Halyk Bank is Kazakhstan's largest retail bank and was CLICK's announced cross-shareholding partner in the $237M July 2025 deal. Although the deal did not close by year-end 2025, Halyk remains a strategically comparable bank-led payments ecosystem and a potential future partner.
• Kapital Bank (Uzbekistan): Kapital Bank is CLICK's processing partner for Visa and Mastercard transactions in Uzbekistan. As a major Uzbek bank with growing digital payments capabilities, it is both an infrastructure partner and a potential long-term competitor for merchant and consumer payment flows.
• Beeline Uzbekistan: Beeline Uzbekistan is a major telecom operator offering mobile airtime and digital payment services in Uzbekistan. Telecom-led payment wallets are adjacent competitors and distribution partners for consumer payment flows in the same market.

Broad incumbents

• YooMoney (Yandex): YooMoney is one of Russia's largest digital wallets and payment services, part of the Yandex ecosystem. While geographically separate, YooMoney offers a comparable digital wallet, P2P transfers, and merchant payment model that informs CLICK's super-app trajectory.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/click.uz
• Instagraminstagram.com/clickuz
• LinkedInlinkedin.com/company/77926171

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CLICK