What is Click?
Click is one of Uzbekistan's largest payment systems that allows users to manage bank cards and make payments from their phone. The service started with service payments via short USSD commands, available even on basic feature phones, and later evolved into a full-featured mobile app with a wide range of financial functions.
How Click Works
Users register using their phone number and link cards from national payment systems. After that, all transactions are conducted through the app or USSD menu.
- Service Payments. Mobile communication, internet, utilities, government services, fines, education, and other categories.
- Transfers. Money transfer from card to card by card number or phone number.
- E-Wallet. Funds storage and payments without being tied to a specific bank's card.
- QR Payments. Payment for purchases in shops, cafes, and taxis by scanning QR codes.
- Business Solutions. Accept online payments on websites and apps, as well as payment at retail locations.
Who It's Right For
Click suits those who want to manage all their cards and payments in one app, as well as entrepreneurs who need to accept payments from customers online and offline. USSD support makes the service accessible to users without smartphones.
Pros and Cons for Users
Pros:
- Manage cards from different banks in one app.
- Large directory of service providers and instant payments.
- Access to basic operations via USSD without internet.
- Regular cashback and promotions from partners.
Cons:
- Some transfers and operations charge a fee.
- Linking cards to a phone number requires attention to security; SMS codes must not be shared with others.
- Abundance of features may complicate the interface for beginners.