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Description of the service

“SMS-To’lov” (SMS-Payment) system was developed for implementation of Law of the Republic of Uzbekistan “On Electronic Payments” in order to promotion e-commerce development. The advantage of “SMS-To’lov” is ability to make non-cash payments through any mobile communications or Internet, as well as through SMS. Implementation of the project is scheduled to beginning of this year.

By using our system you will be able to use in maximum cash in your bank plastic card. Through “SMS-To’lov” system you can make online payment for many types of goods and services. To do this you just need one-time visit to commercial bank where you are served with your passport and mobile phone and to register in “SMS-To’lov”. Bank officer will register you and your mobile phone number in the System within few minutes, set mobile application and provide you username and password, which you should keep in strict confidence. It means that your mobile phone is connected to the current account of your plastic card.

We used to use our mobile phone as means of communication, camera or MP3 device, but neither as means for payment. Using mobile app, you can use Internet resources within few seconds to pay for various goods and services.

Through “SMS-To’lov” you can pay for the following services:

Mobile operators - Beeline, Ucell, Perfectum Mobile;

Internet Service Providers (ISP) - Sarkor ADLS, Ars-Inform, TPS, Buzton, Sharq telekom;

as well as pay for electricity, taxes (land and property taxes)

Sphere of the service

Banking and Financial Services

Category of the service recipient


The organization

Joint-Stock Commercial Microcreditbank


Address: 14, Lutfiy str., 100096, Tashkent

Tel.: (+998 71) 273-05-86

Fax: (+998 71) 273-05-86

Helpline: (+998 71) 150-56-47

Documents required to get the service

Agreement for service of bank account with using “SMS-To’lov” electronic system (DOC, 92 KB)

Typical application for connection to “SMS-To’lov” system (DOC, 28 KB)

Legal basis for service provision

Law of the Republic of Uzbekistan № LRU-13 “On Electronic Payments” dated of December 16, 2005

Cost and method of payment for the service


Period of dealing with an application


Methods for obtaining results


Result of the service

Connection to SMS-payment system.

Reasons for refusal

System failure.

Order of appeal

According to the agreement.

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Consideration of applications

Appointments to the leadership of the state body