Payme & Click: How Uzbekistan's Top Fintech Apps Are Reshaping Betting Deposits

Payme and Click are the two dominant fintech payment applications in Uzbekistan, with a combined user base that touches the majority of the country's digitally active population. Their evolving relationship with the betting industry is one of the most important dynamics in Uzbekistan's newly legal gambling market.

Click: Uzbekistan's Fintech Powerhouse

Click has transformed from a simple bill-payment app into a full digital financial ecosystem. As of mid-2025, Click serves over 20 million users in Uzbekistan - more than half the country's population. Its SuperApp brings together payments, insurance, loan repayments, delivery services, car services, shopping, and government services. Revenue grew 35.3% in 2024, with profits rising 37.5%.

In July 2025, Kazakhstan's Halyk Bank signed a strategic partnership with Click worth $237 million, signaling major international confidence in the platform. Halyk has invested approximately $1.5 billion in Uzbekistan to date. Click is also acquiring Tenge Bank to launch banking products directly, moving from fintech into full banking territory. With 70,000 business partners and a comprehensive merchant payment infrastructure, Click is the backbone of everyday digital payments in Uzbekistan.

Payme: The Fintech Specialist

Payme, backed by TBC Bank Group of Georgia, focuses on digital payments, microloans, and merchant services. With 3.3 million monthly active users and transaction value growth of 42% year-on-year, Payme holds a strong position in the premium fintech segment. Payme was named Best Digital Payment Service Provider 2022 in Uzbekistan by Global Economics. In 2025, Payme expanded by acquiring retail SaaS platform BILLZ for up to $12 million, diversifying into merchant technology.

The Betting Deposit Challenge

The December 2023 government decree restricting cross-border gambling card payments affects how Payme and Click interact with offshore betting sites. Direct transfers from these wallets to unlicensed offshore operators are restricted. However, several pathways exist:

For licensed domestic operators (once launched): NAPP-licensed betting platforms will be able to integrate Payme and Click as direct payment methods. This will be the most significant development - enabling one-tap deposits from the apps used daily by tens of millions of Uzbeks.

Via crypto intermediary: Both Payme and Click can fund crypto exchange accounts. Users purchase USDT through a licensed exchange (or Paynet Crypto), then transfer to betting sites. This two-step process adds time but bypasses banking restrictions entirely.

Direct processing (limited): Some offshore operators have maintained payment processing relationships that accept Payme or Click as deposit methods. Availability is inconsistent and varies by operator and time period.

Strategic Significance

The integration of Payme and Click with NAPP-licensed betting operators will be transformative. Click's 20 million users and Payme's 3.3 million represent the vast majority of Uzbekistan's digitally active population. When one-tap betting deposits become available through these familiar apps, the friction between wanting to bet and actually depositing money drops to near zero. This is expected to significantly increase betting participation rates and deposit frequency.

The Bigger Picture

Uzbekistan's fintech sector is consolidating rapidly. Paynet acquired Humo for $65 million. Halyk Bank invested $237 million in Click. Click is acquiring Tenge Bank. Payme acquired BILLZ. This consolidation means fewer, larger players controlling the digital payment infrastructure - and betting operators that secure integration with these platforms will have a decisive distribution advantage. For bettors, the practical takeaway is that payment convenience will improve rapidly through 2026 as these ecosystems mature and domestic betting licenses are issued.