JSC “Xonsaroy Payments” is a modern fintech company specializing in next-generation payment solutions for individuals and businesses in Uzbekistan.

Our brand Xonsaroy Pay combines technology, innovation, and reliability, providing convenient, fast, and secure payment methods for both customers and enterprises.

Mission

To make payments in Uzbekistan as simple, accessible, and transparent as possible — offering user-friendly solutions for people and reliable tools for businesses.

Core Products and Services

For Individuals:

• Expense monitoring — automatic categorization of spending (transport, utilities, transfers, etc.), with convenient analytics and visualization.

• “My Home” payments — pay for housing, utilities, and public services directly in the app.

• Installment payments — residents of housing complexes built by “Xonsaroy Developer” can pay installments online, track schedules, and view history.

• Security — two-factor authentication, data encryption, and transaction monitoring.

For Businesses:

• Online acquiring — accept online payments on websites, social media, or mobile apps. Connection within 1 day, minimal fees.

• E-commerce solutions — ready-made tools for online stores, marketplaces, and digital services.

• Subscription services — automated recurring payments.

• Point-of-sale payments — via QR code or Xonsaroy Pay mobile app.

• Funds holding — freezing client card amounts to protect against non-payment.

• Tokenization — secure storage of payment data for repeat transactions.

• Invoice issuing — generate payment links and send them to clients via SMS or messengers.

• Transparent analytics — personal dashboard with reports, exports, and financial statements.

Xonsaroy Pay — the next-generation payment platform