{"id":5928,"date":"2025-04-13T10:36:13","date_gmt":"2025-04-13T10:36:13","guid":{"rendered":"https:\/\/pivot.uz\/a-unified-qr-payment-code-to-be-introduced-in-uzbekistan\/"},"modified":"2025-04-13T10:38:50","modified_gmt":"2025-04-13T10:38:50","slug":"a-unified-qr-payment-code-to-be-introduced-in-uzbekistan","status":"publish","type":"post","link":"https:\/\/pivot.uz\/uz\/a-unified-qr-payment-code-to-be-introduced-in-uzbekistan\/","title":{"rendered":"O\u2018zbekistonda yagona to\u2018lov QR-kodi joriy qilinadi"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">2025-yilda O\u2018zbekistonda to\u2018lov ekotizimida muhim o\u2018zgarishlar kutilyapti. Markaziy bank <strong>naqd pulsiz hisob-kitoblar uchun yagona universal QR-kod tizimini<\/strong> ishlab chiqmoqda. Bu haqida 11-aprel kuni bo\u2018lib o\u2018tgan media-muloqotda To\u2018lov tizimlari departamenti rahbari o\u2018rinbosari Miraziz Mirhayotov ma\u2019lum qildi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Nima o\u2018zgaradi?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bugungi kunda tadbirkorlar bir nechta to\u2018lov operatorlariga tegishli turli QR-kodlarni savdo joylariga joylashtirishga majbur. Bu xaridor uchun noqulaylik, tadbirkor uchun esa ortiqcha tashvish va chalkashlik demak.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Markaziy bank esa bu muammoni <strong>bitta standart QR<\/strong> orqali hal qilmoqchi. Yagona QR-kod yordamida xaridor:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>o\u2018zi xohlagan to\u2018lov ilovasini tanlaydi;<br><\/li>\n\n\n\n<li>to\u2018lovni istalgan bank yoki servis orqali amalga oshiradi;<br><\/li>\n\n\n\n<li>hech qanday qo\u2018shimcha skaner, terminal yoki ilovalar o\u2018rtasida almashishga ehtiyoj sezmaydi.<br><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Bu tizimni to\u2018liq ishlab chiqish uchun taxminan bir yil vaqt kerak bo\u2018ladi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Raqamlar nimani ko\u2018rsatmoqda?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2024-yil davomida:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>QR-kod olgan tadbirkorlar soni \u2014 <strong>108 mingdan oshgan<\/strong><strong><br><\/strong><\/li>\n\n\n\n<li>QR orqali amalga oshirilgan to\u2018lovlar hajmi \u2014 <strong>441,79 mlrd so\u2018m<\/strong><strong><br><\/strong><\/li>\n\n\n\n<li>Bu o&#8217;tgan yilga nisbatan <strong>31% o\u2018sish<\/strong> degani<br><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Bu tendensiya shuni ko\u2018rsatadiki, naqd pulsiz to\u2018lovlar tez sur\u2019atlar bilan ommalashmoqda. Yagona QR-kod bu jarayonni yana-da soddalashtiradi.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Nega bu tadbirkorlar uchun foydali?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">POS-terminal o\u2018rnatish talab qilinmaydi \u2014 <strong>xarajatlar kamayadi<\/strong><strong><br><\/strong>Po\u2018lov avtomatik ravishda soliq tizimiga integratsiyalashgan \u2014 <strong>keshbek avtomatik hisoblanadi<\/strong><strong><br><\/strong>Xaridorlar uchun qulay \u2014 <strong>xarid qilish jarayoni soddalashadi<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>2025-yilda O\u2018zbekistonda to\u2018lov ekotizimida muhim o\u2018zgarishlar kutilyapti. Markaziy bank naqd pulsiz hisob-kitoblar uchun yagona universal QR-kod tizimini ishlab chiqmoqda. Bu haqida 11-aprel kuni bo\u2018lib o\u2018tgan media-muloqotda To\u2018lov tizimlari departamenti rahbari o\u2018rinbosari Miraziz Mirhayotov ma\u2019lum qildi. Nima o\u2018zgaradi? Bugungi kunda tadbirkorlar bir nechta to\u2018lov operatorlariga tegishli turli QR-kodlarni savdo joylariga joylashtirishga majbur. Bu xaridor uchun noqulaylik, [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":5926,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":[],"jnews_primary_category":[],"jnews_override_bookmark_settings":[],"jnews_paywall_metabox":[],"jnews_override_counter":[],"jnews_podcast_option":[],"jnews_podcast_series":[],"footnotes":""},"categories":[115],"tags":[],"jnews-series":[],"class_list":["post-5928","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-yangiliklar"],"_links":{"self":[{"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/posts\/5928","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\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/comments?post=5928"}],"version-history":[{"count":2,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/posts\/5928\/revisions"}],"predecessor-version":[{"id":5930,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/posts\/5928\/revisions\/5930"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/media\/5926"}],"wp:attachment":[{"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/media?parent=5928"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/categories?post=5928"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/tags?post=5928"},{"taxonomy":"jnews-series","embeddable":true,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/jnews-series?post=5928"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}