{"id":10927,"date":"2026-04-18T15:52:55","date_gmt":"2026-04-18T10:52:55","guid":{"rendered":"https:\/\/pivot.uz\/?p=10927"},"modified":"2026-04-18T16:03:15","modified_gmt":"2026-04-18T11:03:15","slug":"ozbekistonda-yagona-qr-kod-tolov-tizimi-ishga-tushiriladi","status":"publish","type":"post","link":"https:\/\/pivot.uz\/uz\/ozbekistonda-yagona-qr-kod-tolov-tizimi-ishga-tushiriladi\/","title":{"rendered":"O\u2018zbekistonda yagona QR-kod to&#8217;lov tizimi ishga tushiriladi"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">O\u2018zbekiston moliya bozorida navbatdagi muhim qadam tashlandi. Adliya vazirligi tomonidan yagona QR-kodlar orqali to\u2018lovlarni amalga oshirish tartibi rasman davlat ro\u2018yxatidan o\u2018tkazildi (15.04.2026-yil, 3817-sonli hujjat). Mazkur hujjat O\u2018zbekiston Respublikasi Prezidentining 2025-yil 10-dekabrdagi <a href=\"https:\/\/lex.uz\/uz\/docs\/7897630\" target=\"_blank\" rel=\"noopener\">PF\u2013246-son Farmoni <\/a>ijrosini ta\u2019minlash maqsadida qabul qilindi. Bu o\u2018zgarish nafaqat tadbirkorlar, balki millionlab iste\u2019molchilar uchun to\u2018lov jarayonini tubdan soddalashtiradi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Shu paytgacha har bir to\u2018lov tashkiloti (masalan, Payme, Click yoki bank ilovalari) o\u2018zining alohida QR-kodiga ega edi. Tadbirkorlar peshtaxtasiga 5-6 xil QR-stikerlarni yopishtirishga majbur bo\u2018lardi. <strong>Yagona QR-kod<\/strong> esa barcha bank va to\u2018lov tashkilotlari uchun umumiy bo\u2018ladi. Endi xaridor qaysi mobil ilovadan foydalanishidan qat\u2019i nazar, bitta kodni skanerlash orqali to\u2018lovni amalga oshira oladi.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Asosiy yangiliklar va imkoniyatlar<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Yangi tartibga ko\u2018ra, tizim bir qator qulayliklarni taqdim etadi:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Statik va dinamik QR-kodlar:<\/strong> Savdo nuqtalarida doimiy turuvchi (statik) yoki har bir xarid uchun alohida shakllanadigan (dinamik) kod turlaridan foydalaniladi.<\/li>\n\n\n\n<li><strong>To\u2018liq integratsiya:<\/strong> Barcha to\u2018lov tizimlari o\u2018zaro yagona zanjirga ulanadi. Bu to\u2018lovlarning uzluksiz va xatosiz o\u2018tishini ta\u2019minlaydi.<\/li>\n\n\n\n<li><strong>Real vaqt rejimi:<\/strong> Tranzaksiyalar haqidagi ma\u2019lumotlar avtomatlashtirilgan tarzda ham sotuvchiga, ham xaridorga bir zumda yetkaziladi.<\/li>\n\n\n\n<li><strong>Onlayn nazorat:<\/strong> Har bir foydalanuvchi o\u2018z to\u2018lovlari tarixini kuzatishi va har bir operatsiya bo\u2018yicha onlayn ma\u2019lumotnoma olishi mumkin bo\u2018ladi.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Tadbirkorlar uchun nima o\u2018zgaradi?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Prezidentning 2025-yil dekabrdagi Farmoniga ko\u2018ra, barcha savdo va xizmat ko\u2018rsatish sohasidagi yuridik shaxslar ushbu tizimga <strong>bosqichma-bosqich<\/strong> o\u2018tishadi. Bu biznes vakillari uchun ortiqcha texnik qurilmalarsiz (terminallarsiz ham) to\u2018lov qabul qilish imkonini kengaytiradi va mijozlarga xizmat ko\u2018rsatish tezligini oshiradi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yagona QR-kod tizimi \u2014 bu qulaylik, shaffoflik va tezlik demakdir. Bu yangilik mamlakatimizda naqd pulsiz hisob-kitoblar ulushini sezilarli darajada oshirishiga xizmat qiladi.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>O\u2018zbekiston moliya bozorida navbatdagi muhim qadam tashlandi. Adliya vazirligi tomonidan yagona QR-kodlar orqali to\u2018lovlarni amalga oshirish tartibi rasman davlat ro\u2018yxatidan o\u2018tkazildi (15.04.2026-yil, 3817-sonli hujjat). Mazkur hujjat O\u2018zbekiston Respublikasi Prezidentining 2025-yil 10-dekabrdagi PF\u2013246-son Farmoni ijrosini ta\u2019minlash maqsadida qabul qilindi. Bu o\u2018zgarish nafaqat tadbirkorlar, balki millionlab iste\u2019molchilar uchun to\u2018lov jarayonini tubdan soddalashtiradi. Shu paytgacha har bir to\u2018lov [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":10925,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"format":"standard"},"jnews_primary_category":[],"jnews_override_bookmark_settings":[],"jnews_paywall_metabox":[],"jnews_override_counter":[],"jnews_podcast_option":[],"jnews_podcast_series":[],"footnotes":""},"categories":[428],"tags":[],"jnews-series":[],"class_list":["post-10927","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-siyosat-va-tartibga-solish"],"_links":{"self":[{"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/posts\/10927","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/comments?post=10927"}],"version-history":[{"count":2,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/posts\/10927\/revisions"}],"predecessor-version":[{"id":10930,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/posts\/10927\/revisions\/10930"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/media\/10925"}],"wp:attachment":[{"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/media?parent=10927"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/categories?post=10927"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/tags?post=10927"},{"taxonomy":"jnews-series","embeddable":true,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/jnews-series?post=10927"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}