Frequently asked questions about Click system (FAQ)

1. General questions about connection

(questions about connection, errors during connection, adding cards, reregistration, subscription fee, commissions, balance, payments history)

Question about connection

Before connecting to Click system to your phone number you need to connect SMS-notification service to this phone number

- - Humo card via your bank
- - Uzcard/UnionPay card via your bank or ATM

After that you can use one of 4 Click system interaction interfaces (USSD, Click Up application, @clickuz Telegram bot or Personal cabinet “my.click.uz”.

Yes. In security purposes Click system can be connected only to the phone number which has a connected SMS-notification service.

You need to disconnect the SMS-notification service via ATM or bank and the activate it to the actual number.

No. In security reasons SMS-notification service as a Click system can be connected to 1 phone number at a time.

USSD: send the following request: *880*0*card_number*expiry_date(MMYY)# dial button. If it is the first card on the first entrance to the system via USSD interface (via dialing *880#) the System will ask you to set a 5-digit Click-PIN.

Mobile application: Download and install the "Click Up" application from GooglePlay (Android) or AppStore (iOS). At the first entrance you need to enter your phone number that has a connected SMS-notification service, confirm the phone number via SMS-code which will be sent. After that enter your card at the special page: enter card number and expiry date to the dedicated forms. And set your 5-digit Click-PIN after that.

Telegram bot: Enter “@clickuz” at the search line, pick the “clickuz” bot and press Start button.
Select language. After that the bot will ask to send him a phone number as a contact or to enter it manually. It is required to enter an actual phone number that has a connected SMS-notification service. At the next step you will need to confirm the phone number by entering the code which will be sent by SMS. Bot will as you to enter a card number and expiry date. The last step is to set a 5-digit Click-PIN.
Attention! Click-PIN at the Telegram bot is required to be dialed at the special digits keyboard that will appear at your screen.
Personal cabinet: the same as at mobile application.

Errors during connection

See Question 1

See Question 2 and 3

Error (-98) – you are entering the incorrect expiry date, (20/20, 19/23 ...). Look at the card and enter the date shown on it.

Error (-3) – you are entering the incorrect card number or the card is invalid. Check the number and try again. If the error repeats, contact the bank.

Error (-14) – you have not set the PIN code to your plastic card and therefore you have not connected an SMS-notification service. See questions 1, 2.

Error (-20) – the card is blocked. Contact the bank.

Errors -17[-17], -37[-37] -70[70] and etc. Contact your bank.

Adding the second, third and other cards

Yes. You can add as many any number of cards to the same phone number, but all of them have to be connected to the SMS-notification service. See question 1, 2.

The Click-PIN set at the first connection is applied to all cards.

Reregistration (change of the phone number)

First, you need to disconnect the SMS-notificatuon service and to connect it with a new phone number via ATM or bank. After that you can connect the cards as usual. See question 5.

Questions on subscription fee, commissions and etc.

Using Click system services is free of charge. Only SMS messages sent by Click confirming a successful payment or transfer are subject to a fee. The cost of SMS is determined by your mobile service provider.

A subscription fee is charged for connecting additional services in the Click system:

- "Monitoring" service — 4,999 sums (including 12% VAT) per month

- "Click Subscription" service — rates and amounts per period are displayed within the Click SuperApp interface (the service is provided for a period of 30 (thirty) calendar days)

Comission is applied at the following transactions:
Transfer from card to card.
Uzcard<-> Uzcard – 1%
Uzcard<-> Humo – 1%
Humo<-> Humo – 1%
Wallet -> Uzcard – 1,5%
Uzcard/Humo -> Wallet – 0%
Wallet<-> Wallet – 0%
Payments for state services: up to 1% (% may differ and change in accordance to conditions of a supplier)
Credit payments: up to 1%
Note. If there is a commission to be applied at the payment for service or goods, client will be notified during the payment process.

Information on balance, payment status and etc.

The balance of the card can be checked via any of 4 existing system interfaces:
Telegram bot: “Balance” section.

Via USSD you can see the last 3 or 15 payments.

Follow the steps: *880#>5 – Settings > 7 – Information > 2 – last 3 or >3 – last 15 payments (this service provides information on payments via SMS to your Click phone number and each SMS costs 84 soum).

In first case you will see last 3 payments with date, service name, payment amount and payment status. It will not show the information about paid number/account/ID.

In the second case you will receive an info on last 15 payments via SMS. It will contain a detailed info with numbers/accounts and IDs.

There is also a short request: *880*00*3# or *880*00*15#.

Attention! For each info message you will be charged 46/84 soum. You will not receive any information if the balance of your mobile phone is zero or negative.

Via USSD you can receive only about 15 last payments. More detailed report on payments can be obtained via other online interfaces such as mobile application, personal cabinet or Telegram bot.

Click system provides full information only on payments made in the Click system. To receive an information on payments made outside of the Click system you will need to activate an additional service “Cards history”.

Mobile application: Settings > Notifications > Cards history > choose a necessary card.
Personal cabinet: History > Card history> click a necessary card.
Telegram bot: Payment history > Enable card history > click a necessary card.

See question 12 (A)2

If there is enough amount at the card balance for the subscriber fee the service will be reactivated automatically at the beginning of each month. If not, the service will be stopped and it will require a manual activation.

No. The report on outer payments are shown only in mobile application, personal cabinet and Telegram bot. The report obtained via USSD will contain only payments made within Click system.

Usually in all interfaces and information messages sent as SMS the card number is not shown in full, some digits are changed with * symbol.
The card’s number can be seen in personal cabinet’s “Cards” section by clicking on the necessary card and selecting the option “Show the card’s number”.
Also one can copy a card’s full number in the mobile application.
Click your card at the main page and thus open a section “My cards”. At the right corner of the card there is a button “Copy” which copies a card’s full number to a buffer. The copied data can be inserted into any text editor or messenger.

2. General questions on transfers

(P2P transfers, errors during transferring, ....)

Question on P2P transfers

Yes. In any of 4 available interfaces there a section “Transfer from catd to card”, where one can transfer money.
USSD: item 3, Mobile application, Personal cabinet and Telegram bot: “Transfers” section.

Unfortunately not. Transfers can only be made between UzCard and Humo cards. You can only add Visa, Mastercard cards to the Click system.

You need to know a recipient’s phone number if he is registered at Click system, or you need to have a card’s number.

There are 2 ways to transfer money from one card to another:
1. By the recipient’s phone number if he is registered at Click system.
2. By the card number even if the recipient is not registered at Click.
3. The possibility of translation using our TG bot @clickuz is also available: either through the bot, or directly in the chat with your interlocutor, provided that he is registered in this bot.
4. It is also possible to make a transfer through the Click Boom section, in this section you do not need to enter a card/phone number. You can make a transfer to nearby users with the CLICK Boom function active

If the transfer was performed by a phone number, a recipient needs to confirm a transfer by entering a 3-digit secret code to be obtained from a sender. A code is provided to sender during a transfer process.
Money can be accepted via any of 4 available system interfaces.

Yes. For each bank there is a limit on sending and receiving money. There are one-time, daily and monthly limits. More information by phone (71) 231-08-80.

No. After reaching the limit you need to wait for the next day/month to receive/send money. Limits cannot be changed or increased.

Errors on transfers

Probably you are trying to send money between your cards. Pay attention that a card, set as a main, will be the one that sends. If you are using USSD for the transfer it is better to send by a card number. And in the application there is a special section “Between my cards” where you can simply show the cards to transfer money to avoid this error.

Probably you are trying to transfer money by the recipient’s phone number. And the recipient’s main card is expired or invalid. In this case the recipient cannot receive the transfer. He needs to disconnect the old card and set a new one as a main.
Also it is possible that the recipient gave you a number of the invalid card, contact a bank to clarify such case.

Probably some technical works are in process at the bank and it is not available for transfers at this moment. Try again later or contact us by phone (71) 231-08-80.

Besides the evident reason, such error appears when the bank has blocked the recipient’s card.

Besides the evident reason, probably this is a bank’s error. If the recipient claims that the card is not corporate but, for example, a pension card, it is necessary to contact the bank for clarification.

This error may appear when maintenance works are in process either on Click system, Uzcard or bank side. If the error repeats constantly, check the expiry date of the card you have registered in Click.
(-1) error appears when the expiry date is incorrect, such as (20/20, 22/22, 19/20 and etc.
If your card is Humo, it might be blocked by your bank. Please, contact the bank.

In this case the sender needs to check the transfer status. Probably he has received one of the errors mentioned above. See questions 31-35

3. General questions about payments

(errors during payments, payment cancellation, payment status, etc.)

Questions about payments

Click has thousands of partners, whose services you can pay for. There mobile operators, internet providers, telephony and TV services, web-sites and other internet services, state and private enterprises. You can see a full list of partners in the section “Payments” and on our website click.uz.

The result will be sent by SMS to the phone numner that is registered to Click.
Also you can know the result by contacting our support service by phone (71) 231-08-80. For applications that require cancellation consideration by the supplier, we will notify you by call back.

Errors during payments

The card is blocked by the bank. You need to contact your bank for clarification.

Check the card’s balance. If you were trying to make a transfer, payment for railway ticket, credit payment and etc, take a commission for such operations into consideration.

Due to some reasons, accidentally or on purpose, the SMS-notification service was disconnected. Connect it back via ATM to solve the problem. If you have given your card to someone else, he/she might have connected it to another phone number. Contact your bank or the Uzcard support service for more detailed information.

Usually happens when paid for mobile or fixed line phone. Also may happen when one tries to pay for other services where phone, account or ID number is required and entered incorrectly. If you have checked the number and the error repeats, contact the service provider to clarify the correct number..

Same as in a previous question this error happens when the user’s id or number is entered incorrectly. Check the number and try again. If the error repeats, contact the service provider.

Usually appers when the service provider runs maintenance works or faces technical disorders. Try again later.

Probably some maintenance works are in process on the provider’s side. Try again after some time.

Questions about canceling payments

If the payment was made by mistake you can:
- apply for payment cancellation via mobile application (check the payment details in Reports section and press “Cancel the payment” button)
- contact us by phone (71) 231-08-80 to request a payment cancellation.
Important!
You need to make a call from the phone number that is connected to Click and from which a payment was made..

No. Some payments cannot be cancelled via Click system and it should be solved with the supplier. These type of payments are:
Credit payments;
Taxes;
State payments and Traffic police fines;
Payments to enterprise bank account;
International services;
Some utility payments.

The payments that can be cancelled on apply are:
mobile operators;
fized line phones;
Internet providers;
cable and IP TV;
some utility services (gaz, electricity);

The request is processed within 48 (forty eight) hours from the moment of its reception.
 

The payment can be cancelled if during the request processing there is enough balance for withdrawal (the account balance is not less than the cancelled payment amount).

No. The payment can be cancelled only by the total amount. If the balance is less, the payment cancellation is impossible.

No. The requests for transfer cancellation are not accepted.

4. Click-Wallet

Questions about Click-Wallet

Click-Wallet is a virtual account in Click system where you can deposit some amount of money, make payments and transfers.

  1. Cashback: for payments and transfers through online system interfaces from a regular and branded card.
  2. BIG cashback when paying at spot with PROMOTIONAL partners.
  3. Opens even without a plastic card and regardless of age.
  4. Allows you to transfer between wallets without commission.
  5. Possibility to make payments without a plastic card

The wallet can be of 2 types:
Light (standard) does not request any document or identification process (only the real birthdate is required), but has some limits such as a maximum amount to be deposited and paid at once. The sum of total balance should not exceed 5 BCA (the amount of BCA is established by state government and can be changed).
Unlim: requests the user’s passport data, but removes the limits. Currently is not available.

Click-Wallet does not have an expiry date and CVV/CVC codes.

Coming from the previous answer, the Click-Wallet can not be accepted as a virtual bank card. It cannot be connected to other payment systems and payments from it can be done only within the Click system.

A CLICK wallet can be created through all 4 interfaces of the CLICK system: USSD, CLICK-UP, Telegram bot and personal account http://my.click.uz. To open a wallet in Light status, the client only needs to confirm his phone number and enter his date of birth.

At the moment, you can close the CLICK wallet through the CLICK interfaces: CLICK-UP, Telegram Bot, *880#-USSD and personal account http://my.click.uz .

It is not possible to close the wallet with a positive balance. The system will offer to donate the remaining or to pick it up from the company office. The second choice is not available currently due to quarantine measures.

5. Cashback

Questions about cashback

Cashback from Click is a refund of funds when making payments through the "Click SuperApp" mobile app, the Telegram bot @clickuz, and the personal account at my.click.uz.

Cashback crediting rules:

  1. Cashback is only credited if the payment was made online through the Click SuperApp or the Telegram bot @clickuz or the personal account at my.click.uz.

  2. Cashback is credited within three days (72 hours) to the user's Click Wallet.

  3. The bonus is credited to the Click Wallet in accordance with the public offer terms: https://click.uz/en/terms

Cashback from Click is credited only if the Click Wallet was opened before the purchase was made. Cashback from Click is credited for payments except those listed in the crediting rules on our website: https://click.uz/en/cashback

Cashback is not credited for any P2P transfers, regardless of the plan or transfer amount.

Вопросы по разделу "Моё авто"

To access the "My car" section, select the "More" item in the navigation menu and then select "My car".

In order for your car to be automatically displayed in the "My car" section, you must go through the identification process. You can also add a vehicle manually.

To add a new car to the "My car" section, click the "Add car" button and fill in the required information, such as the car number and vehicle ID data.

Yes, you can remove a car from the "My car" section. Just find the car you want and click on the delete icon next to the car number.Yes, you can remove a car from the "My car" section. Just find the car you want and click on the delete icon next to the car number.

The expiration date and details of your current insurance are displayed in the "Insurance" section for each car. Just search for your vehicle and check the relevant information. Also, the expiration date of the insurance is displayed on the main page "My car".

To apply for insurance, you need to go to the "Registration of CTP insurance" page. You can do this in several ways:

1. By clicking on the "Insurance" button below the car on the main page.

2. By going to the "Insurance" page through the bottom navigation menu and clicking on the "Get the insurance" button.

3. By clicking on the notification about the end of insurance (appears if the insurance ends soon).

When applying for new insurance, you will need to specify the type of policy and the start date of the insurance period. If necessary, you can also add information about additional drivers.

In our application, you can choose two types of CPT insurance: unlimited (VIP) and limited (up to 5).

The difference is that a limited policy allows only a certain number of drivers listed in the document to drive a car. Unlimited insurance allows you to get permission to drive a vehicle for any number of persons who have a power of attorney to drive this vehicle, or drivers who are in the presence of the owner of the car.

When adding a driver when applying for insurance, you will need to provide his personal data, such as the degree of relationship, passport details and date of birth.

In the "Price Catalog" section you will find the collected information about prices for cars from official dealers in Uzbekistan. Just select the car model you are interested in and view the current prices.

Information about fines and violations of traffic rules is contained in the "Traffic fines" section. There you will find detailed information about the various violations and the corresponding fine amounts.

You can receive information about your fines if you activate the service "Traffic fines" in the Subscriptions section in the main body of the CLICK UP application. The cost of the service is indicated upon connection and is charged monthly in accordance with the terms of the offer.

Yes, you can choose the period of validity of the insurance during registration and specify the desired number of months in advance. Please note that the availability of a certain period may depend on the rules and policies of the insurance company.

If you have already added a car, go to a new page by clicking on the "Add car" button.

After registration of insurance in the "Insurance" section, your issued insurance will be displayed. At the moment, when registering, you receive an SMS with a link to the insurance and by clicking on it you can download the document.

In the near future, it will be possible that by clicking on the "Details" button, you will be able to view insurance details and download insurance.

Yes, of course. To do this, you need to add their car by entering the car number and data sheet data. After adding the car, you will be able to take out insurance on it.

Your car may not be in your name. Try adding a machine manually. We receive all data about your cars from a single portal of public services. If the car is registered there for you, then it should also appear in the application, if this did not happen, we will open an application for verification.

Usually, insurance should appear within 5 minutes. If several hours have passed and the insurance is still not displayed, then we will issue a claim for your case to check this situation. To do this, tell the operator the state number of your car.

Perhaps you are entering an old data of the vehicle ID. Check if there have been any changes to your vehicle ID passport.

There are two ways to get a policy:

1. After successful registration of the policy, you will receive an SMS from the e-policy with a link. Follow the link, enter the captcha and the policy will open and you can download it in PDF format.

2. Also, after successful registration, if you did not receive an SMS, check the number 880 in the black list and contact us at +998712310880 and the company's operator will send an SMS with the link again

In case of an insured case event, contact INSON at +998 (78) 113-00-07 to receive the necessary assistance and instructions on how to proceed. Also, all INSON numbers are indicated in your insurance contract.

7. Click Subscription

Click Subscription Questions

It is a paid subscription in the click™ service that unlocks access to additional features and capabilities. The scope of available functionality depends on the selected plan. 

The service is provided on a prepaid basis. Upon first activation, funds are charged via your chosen payment method. Subsequently, charges occur automatically from the linked bank card or Click-Wallet without additional confirmation for each transaction.

The service will be restricted, and the operator will attempt to process the charge for 7 calendar days. If payment is not received, the subscription will be cancelled automatically.

Subscription management is handled independently through the service interface. The only way to stop recurring charges is to disable auto-renewal. After disabling, the subscription remains active until the last day of the paid period — no refund is issued for the remaining time.

Yes, at any time. When switching plans, the fee for the new plan is charged immediately, and the previously paid period is not recalculated. The same plan can be reactivated after exhausting its benefits no more than once every 30 days.

Under the subscription, P2P transfers are carried out without a commission within the limit set for your plan. Transfers to Visa SUM and Mastercard SUM cards are not included in the limit and are charged separately. Cashback is not credited for commission-free transfers.

Yes. A promo code issued by the Operator allows you to activate the service. Once the promo code expires, the subscription automatically continues under standard terms — unless you have disabled auto-renewal.

A refund is available if the service was not used and you contacted support within 3 days, or in the case of an erroneous or unauthorized charge. To request one, contact the contact center or send a request to the Operator's email. Refunds are processed within 15 banking days to the Click-Wallet or the card used for payment. Partial refunds are not available.

Yes, the operator may change the terms by notifying users at least 10 calendar days in advance through the service interface. If you do not agree with the new terms, you may disable auto-renewal before the changes take effect.

A cashback accrual limit applies only to the Elite tariff — 200,000 UZS per 30 calendar days.