How does a Click payment work?
A shopper registers with Click by linking a card to their phone number. Click’s FAQ says the phone number must have the bank’s SMS notification service turned on. The shopper confirms the number with an SMS code, adds the card number and expiry date, and sets a five-digit Click PIN that protects all linked cards.
At an online checkout the shopper chooses Click and is sent to a Click payment page or into the app. They pick a card or the Click-Wallet and confirm with the PIN or a code. Click debits the card and notifies the merchant, and the shopper receives the result.
The same account works in four places: the Click Up app, the @clickuz Telegram bot, the my.click.uz web cabinet and the *880# USSD menu. Shoppers without a smartphone can still pay. Using Click is free, although the mobile operator charges for SMS confirmations. Card-to-card transfers carry a fee set by Click, such as 1% between Uzcard and Humo cards.
For merchants, Click’s documentation describes a Shop API built on two requests, Prepare and Complete. Once a merchant’s billing system answers both, its services can be paid through any Click interface.
Why does Click matter for merchants?
It is widely installed. Click said in July 2025 that it had more than 20 million registered users and over 70,000 service providers. DataReportal counts 33.1 million internet users in Uzbekistan at the end of 2025. Registered users are not the same as active users, but the scale shows how far the app reaches.
It is a large business. Kun.uz reported first-quarter 2026 net revenue of UZS 209.4 billion for Click, close to Payme’s UZS 230.1 billion. People use the app for utility bills, mobile top-ups, taxes, fines and loan repayments as well as shopping, so many adults already have their cards set up in it.
It keeps card details off the merchant’s page. Payments are confirmed inside an app the shopper trusts, so the merchant does not ask for a card number, expiry date and SMS code itself.
It has a regional backer. In July 2025 Halyk Bank of Kazakhstan agreed to buy a 49% stake in Click for USD 176.4 million, with completion subject to regulators in Kazakhstan and Uzbekistan. Click holds Payment Institution Licence No. 1 in Uzbekistan.
What can go wrong?
Ordinary declines are common. Insufficient funds, cards without SMS notification, wrong expiry dates and blocked cards all stop a payment. Shoppers who registered with an old phone number cannot receive codes.
Refunds are narrower than on cards. Click’s consumer rules allow cancellations only in some categories, only for the full amount, and with requests processed within 48 hours. Card-to-card transfers cannot be cancelled at all, and Click says partial refunds of subscriptions are not available. A merchant that needs to return part of an amount needs a separate process, such as a separate transfer to the shopper’s card.
Timeouts can split the state. A timeout between Click and the merchant’s server can leave a payment confirmed on one side and pending on the other, so the final status needs to be checked.
How would Omno handle Click?
Omno would connect Click through a provider as a standard pay-in. The merchant would show Click in the hosted checkout or offer it through Direct Links on its own checkout, and the provider would handle the Click-specific Prepare and Complete steps. The final status would reach the merchant by webhook, which is the source of truth for crediting orders. Merchant rules would decide which customer groups see Click, Payme or a direct Uzcard or Humo card form. In the hosted checkout, if the provider in the rule were unavailable or rejected the request, the payment would move to the next provider in the rule. Cancellations would go through the same API.