Ipak Yuli Bank has launched a unified QR code for individual entrepreneurs and legal entities. This universal QR solution enables businesses to accept payments through applications of any bank and payment service. Setup is free and takes up to three minutes. Once activated, businesses can immediately start accepting QR payments from customers, with funds credited directly to their merchant account. 

The unified QR code is a convenient solution for businesses that process in-person payments on a daily basis — including retail stores, service providers, delivery services, salons, cafés, showrooms, and other small business sectors. 

Why a unified QR code is needed 

Starting from January 1, 2026, Uzbekistan has begun the phased implementation of a unified QR code system for all retail and service companies. From July 1, 2026, having a unified QR code will become mandatory for all trading and service businesses. 

For businesses, this means one thing: transitioning to a unified QR payment standard will become a regulatory requirement. Preparing in advance allows companies to avoid last-minute pressure and unnecessary additional costs. 

What will change 

A common situation today is when a customer wants to pay via QR code, but the merchant displays a QR code from a specific bank or payment system, while the customer uses a different app. This leads to extra questions, delays, and inconvenience at the point of sale. 

The unified QR code eliminates this issue. Customers no longer need to look for a QR code compatible with their bank. A single universal QR code can be scanned to complete a payment via any banking app or digital wallet.

How payments via the unified QR code work 

The process is simple: 

• The business places the unified QR code at the point of sale or checkout, as usual 

• The customer scans the QR code using the camera in any banking app or payment service and confirms the payment 

• Once activated, the payment is credited to the business’s merchant account within 24 hours 

What the unified QR code brings to your business 

For customers: 

 • Faster and easier payments 

 •No need to search for a QR code of a specific bank 

 • Card-free payments directly from a smartphone 

For businesses: 

 • One QR code for all payments 

 • Faster service and shorter queues 

 • Fewer failed payments due to incompatible apps or forgotten cards

How to set up the unified QR code with Ipak Yuli Bank 

Ipak Yuli Bank was among the first to begin setting up and activating the unified QR code for individual entrepreneurs and legal entities, allowing businesses to transition to the new standard in advance and accept payments in a convenient format. 

Setup and activation take only a few minutes. 

If you do not have an account with Ipak Yuli Bank: 

1. Visit the nearest bank branch with the required documents 

2. A bank manager will assist with opening a business account (up to one business day) 

3. Submit an application for unified QR code setup and activation 

4. Receive your QR code and start accepting payments via your merchant account 

If you already have an account with Ipak Yuli Bank: 

Contact your relationship manager or submit a request at a branch. Complete setup and activation of the unified QR code just as quickly.