Losses on acquiring
High terminal fees eat into your margins at scale
Banking solutions for trade — from purchase to sale
Accept payments from 0.25%, close cash gaps in just one day, and pay salaries with one click — all without visiting the bank
Cash-only payments
Customers prefer paying by card or QR — you lose sales
Payroll processing
Manual payments take your accountant’s time every month
Solutions for your business needs
Unified QR code
Accept payments from any banking app in Uzbekistan using a single QR code
Fee
Set up
Internet-acquiring
Payment integration for your website or mobile app
Commission
Connection
POS terminals and cash collection
Convenient payment acceptance and cash collection solutions for your business
Rent
Issued for
"Ilk qadam" loan
For starting and growing your business. When you have an idea — the important thing is to take the first step
Sum
Term
"Ishonch" loan
Replenish inventory or working capital without real estate collateral
Sum
Term
"Business Express" loan
Long-term financing for the development of small and medium-sized businesses
Sum
Term
Visa Business
Expenses for goods, transport and business trips — all in one statement without collecting receipts
Card issue
Maintenance cost
Visa Platinum Business
A convenient card for business trips, online payments, and everyday company needs
Card issue
Maintenance cost
Payroll project
Salary, transfers, payments and bonuses — all in one card
Open
Cards
Who this solution is for
Online stores
Internet acquiring for your website in 1–2 days. Payments via Visa, Mastercard, Uzcard, HUMO and QR
Retail chains
Payroll solutions for all employees and corporate cards for procurement
Wholesale suppliers
Revolving credit line linked to turnover — funds always in circulation
Marketplace sellers
“Ishonch” loan for inventory purchases — up to 100 million UZS without real estate collateral
Item 1 of 4
Start accepting payments and financing purchases this month
Frequently asked questions
QR payments at Ipak Yuli Bank can be connected within 1 day. To do this, visit the nearest branch with your company documents, sign the agreement, and receive your personal QR code. After that, your outlet can accept payments through any banking app in Uzbekistan — Uzcard, HUMO, Visa, Mastercard. The fee is 0.25% of the transaction amount, and funds are credited within 24 hours.
Ipak Yuli Bank offers two formats for accepting cashless payments. QR payments — 0.25% fee, no equipment required. Internet acquiring for websites and apps — up to 1%, calculated individually. POS terminal fees for retail outlets are also determined individually — please уточните with a manager. Both formats support Uzcard, HUMO, Visa, and Mastercard cards.
For trading companies, Ipak Yuli Bank offers the “Ishonch” loan — up to 100 million UZS for up to 12 months. Applications can be submitted at a bank branch. Decisions are made quickly, and real estate collateral is not required. A revolving credit line is also available: the limit is linked to your current account and is automatically restored after repayment — no need to resubmit documents.
A current account for a legal entity or sole proprietor can be opened within 1 business day. To do this, visit one of Ipak Yuli Bank’s 17 branches with your company documents. Accounts can be opened in both local and foreign currencies. Account management is available via the Ipak Yuli Business mobile app — no need to visit the bank.
Yes. Ipak Yuli Bank offers payroll solutions for businesses: UZCARD and Visa Oylik cards can be issued for all employees. Salary payments are made in one operation via the Ipak Yuli Business mobile app — without queues or manual transfers. Visa Business corporate cards are also available for procurement and management expenses.
Yes, to connect QR payments or internet acquiring, you need to have a current account (primary or additional) with Ipak Yuli Bank. An account can be opened within 1 business day. New clients will need company documents and a service application.
Legal entities and sole proprietors can use the Ipak Yuli Business mobile app. In the app, you can: view balances and transactions in real time, create and sign payment documents using a digital signature, make international SWIFT payments, manage corporate cards, schedule salary payments, and convert currency. Available for Android and iOS.