Payme
Payme is a Uzbekistan-based digital payments and card-services app serving consumer banking users as the payments arm of the TBC Uzbekistan digital banking ecosystem (owned by TBC Bank Group), with 23 million registered users across the broader ecosystem and AI-driven automation in collections and sales.
- Company typePrivate
- Founded2012
- HeadquartersTashkent, Uzbekistan
- Headcount101–250
- GTM typeB2C
- OfferingServices
What Payme does
Payme is a Uzbekistan-based digital payment and card-services provider founded in 2012 and headquartered in Tashkent, operating a mobile-first financial services application (payme.uz) targeted at consumer banking users seeking convenient digital payments, transfers, and card-related transactions. The company is a wholly-owned subsidiary of TBC Digital (the TBC Bank Group ecosystem), following TBC Bank Group's acquisition of a 51% stake in 2019 and completion of full ownership in 2023. Payme functions as the payments arm of a broader TBC Uzbekistan digital banking ecosystem that also encompasses TBC Bank, TBC Nasiya (lending), TBC Sug'urta (insurance), and BILLZ, collectively serving 23 million registered users.
Underlying the consumer-facing app is an AI-powered financial services platform whose core differentiated capabilities are AI Loan Collection Agents that autonomously handle 90% of early-stage collection calls and an AI Sales Bot conducting 100,000 monthly customer interactions, both of which automate revenue-cycle operations at ecosystem scale. The technology stack leverages the data flywheel from 23 million registered users to power AI-driven collections, sales, and engagement workflows. In March 2026, TBC Digital announced a reorganization through a spin-off creating TBC Tech, a new entity that will take over Payme's technological assets and teams to centralize IT functions across the ecosystem.
Payme's business model is B2C, distributed through a self-serve mobile application and integrated within the TBC Uzbekistan ecosystem for cross-selling across payments, lending, and insurance. The company generates revenue as part of the TBC Uzbekistan ecosystem, which reported 3.17 trillion UZS in 2025 operating income (up 64% year-over-year) and 581 billion UZS in net profit under consolidated IFRS; Uzbekistan is expected to contribute 25% of TBC Bank Group profits. No standalone Payme revenue or pricing model is publicly disclosed, and the business operates exclusively within Uzbekistan, with no confirmed cross-border geographic expansion at the Payme entity level.
Payme firmographics
Firmographics- Name
- Payme
- Legal name
- Payme
- Website
- https://payme.uz
- Company type
- Private
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Payme is a Uzbekistan-based digital payments and card-services app serving consumer banking users as the payments arm of the TBC Uzbekistan digital banking ecosystem (owned by TBC Bank Group), with 23 million registered users across the broader ecosystem and AI-driven automation in collections and sales.
- Ownership category
- akta.pro rank
Payme industry classification
Industry- Product category
- Digital Payments
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Digital Payments & Money Movement (ACH/SEPA/FPS, Bill Pay, P2P) (FSAGAAAF)
- akta.pro secondary industry
- Bank-to-Bank Transfers & Pay-by-Bank (Consumer & Merchant) (FSAMAFAC)
Keywords
Where Payme is headquartered
LocationHeadquarters
- HQ city
- Tashkent
- HQ country
- Uzbekistan
- HQ region
- Asia
Offices1 record
Markets served
Payme business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations
Distribution channels1 record
Marketing channels1 record
Payme product offering
Product offeringCore offering
Payme is a Uzbekistan-based mobile financial services application that enables consumers to make digital payments, transfers, and other card-based financial transactions. It operates as the digital payments and consumer financial services arm of the TBC Uzbekistan digital banking ecosystem, which collectively serves 23 million registered users with offerings spanning banking, lending, insurance, and merchant tools.
Product overview
Payme is a Uzbekistan-based financial services company and part of the TBC Uzbekistan digital banking ecosystem owned by Georgian financial group TBC Bank. The company offers a unified mobile financial services platform providing various financial services for cards, functioning as a core component within the broader TBC ecosystem alongside TBC Bank, TBC Nasiya (lending), TBC Sugʻurta (insurance), and BILLZ.
Differentiator
Problem solved
Functional benefit
Products and services
- Payme Mobile App
Quantifiable outcome
- AI agents handle 90% of early-stage loan collection calls
- +1 more outcomes
Companies that use Payme
Customer profileSegments1 record
Ideal customer profiles1 record
Payme technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability2 records
Feature2 records
Payme partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered flagship and core.
- TBC Uzbekistan EcosystemflagshipPayme operates as an integral part of the TBC Uzbekistan digital banking ecosystem alongside TBC Bank, TBC Nasiya, TBC Sugʻurta, and BILLZ. The ecosystem achieved 23 million registered users and 64% operating income growth in 2025.
- BILLZcoreBILLZ is part of the TBC Uzbekistan digital banking ecosystem alongside Payme, contributing to the integrated financial services offering with 23 million combined registered users.
Scale indicators7 records
Recent moves6 records
Expansion highlights5 records
Payme competitors and assessment
Company assessmentMarket position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key highlights6 records
Customer concentration
Payme social profiles
Digital presencePayme financial estimates
Financial estimateRevenue estimate
Valuation estimate
Payme leadership team
Management profileNumber of profiles
Payme subsidiaries and ownership
Company hierarchySubsidiaries1 record
Payme funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Payme M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Payme
What does Payme do?
Payme is a Uzbekistan-based mobile financial services application that enables consumers to make digital payments, transfers, and other card-based financial transactions. It operates as the digital payments and consumer financial services arm of the TBC Uzbekistan digital banking ecosystem, which collectively serves 23 million registered users with offerings spanning banking, lending, insurance, and merchant tools.
Is Payme a public or private company?
Payme is a private company. It is classified as corporate owned and is currently operating.
When was Payme founded?
Payme was founded in 2012. It employs 101 to 250 people.
Where is Payme based?
Payme is headquartered in Tashkent, Uzbekistan, in the Asia region.
Does Payme have an API?
No public API is recorded for Payme.
What industry is Payme in?
Payme's product category is Digital Payments. Its primary akta.pro industry code is FSAGAAAF, Digital Payments & Money Movement (ACH/SEPA/FPS, Bill Pay, P2P), with a secondary code of FSAMAFAC, Bank-to-Bank Transfers & Pay-by-Bank (Consumer & Merchant). Its NAICS code is 52232 and its SIC code is 6159.