Fast and convenient QR payments for your business — no terminals, no cash, no queues 

QR-payment is a payment solution via QR code that doesn’t require a POS terminal, cash, or Wi-Fi connection. Simply place the QR code from Ipak Yuli Bank at the checkout, in your store, on the display, or with your delivery team — and customers can instantly pay through their banking app. 

QR-payment is ideal for small and medium-sized businesses, compact sales points, courier services, and mobile trade. 

Key aspects: 

Flexibility and convenience: 

• Accept payments anywhere — no terminal, just a QR code 

• Works with HUMO and Uzcard — customers pay via Ipak Yo‘li Mobile or other banking apps 

• Suitable for mobile or temporary sales points 

Speed and simplicity: 

• Setup takes 1–2 days 

• Funds are credited to your account within 24 hours 

• Onboarding requires minimal paperwork — done through the nearest branch 

Key advantages: 

• Type: QR-based payment 

• Commission: up to 1% (individually calculated) 

• Currency accepted: UZS

• Settlement time: up to 24 hours 

• Requirements: primary or secondary account with Ipak Yuli Bank 

• Onboarding: free of charge 

• No equipment: no POS terminals, no cash, no change, no internet issues 

How does QR-payment work? 

1. Get your QR code: Submit your application and receive a unique QR code 

2. Place it in payment zones: At checkout, with each courier — a printed or digital copy is enough 

3. Accept payments: The customer scans the QR code with their smartphone camera and pays via their banking app 

4. Receive funds: We transfer the funds to your account within 24 hours 

Why is QR-payment beneficial for your business? 

• No terminal costs — no need to purchase equipment 

• Mobility — accept payments anywhere: from markets to couriers 

• Low commissions — up to 1%, individually adjusted to your needs 

• Fast settlement — funds are credited within 24 hours 

• Simple onboarding — no complex procedures, no hidden terms"