SMS-To’lov system is payment processing system, which carries out electronic payment between clients and companies with help of banking payment cards.

SMS-To’lov system was developed in order to implement the Law of Uzbekistan “On electronic payments” to assist development of electronic commerce. Advantage of the system is opportunity to carry out cashless payment via any mobile communication or Internet via SMS.

Users of the system will be able fully use their resources at own banking payment cards. The system allows to pay to various gods and services in online mode. The clients should visit Universalbank with their passport, mobile handset and registers to the system. The bank officers will register client and install application to mobile handset, as well as issue unique login and password.

Currently, users of SMS-To’lov can pay to services of mobile communication operators, communal services, Internet services and services of the Chamber of Commerce and Industry of Uzbekistan.