Paynet

Country: Uzbekistan (UZ) | Payment Rail: closed_loop_wallet

Cash Market Adoption: 8%

Paynet is the largest self-service terminal and agent collection network in Uzbekistan, featuring nationwide physical cash points widely used for e-commerce cash payments, mobile top-ups, and utility settlements.

🔄 User Payment Flow

User selects Paynet Cash / Agent at checkout
Merchant generates unique payment reference ID or barcode
User visits any of 25,000+ Paynet retail kiosks or agent counters across Uzbekistan
User provides payment ID and hands cash to agent or feeds cash to kiosk
Printed receipt is issued and order status turns to paid immediately

⚙️ Characteristics & Settlement

Instant Payment	NO
Supports QR	YES
Supports Recurring	NO
Supports Refund	YES

🛠️ Merchant Integration Steps

Merchant system registers pending order with Paynet Gateway API
Customer deposits cash at local Paynet agent counter or terminal
Paynet central server confirms cash collection and triggers webhook callback
Merchant fulfills product shipment or activates service