More payment methods

Elcard

Elсard is a payment card of the national payment system in the Kyrgyz Republic. Elсard is used for non-cash payments, wages, pensions, and benefits at ATMs in the territory of Kyrgyzstan.

% of coverage
  • Country

    Kyrgyzstan

  • Population

    6.78 million (estimated)

  • Number of Internet users

    5.41 million (estimated​)

  • Popular payment methods

    Cash, Debit Cards, E-Wallets, Credit Cards, Bank Transfers​

% of coverage
  • Credit Card

    10%

  • Debit Card

    25%

  • E-Wallets

    30%

  • Cash Payments

    30%

  • Bank Transfers

    4%

  • Other

    1%

Payment Method Overview
  • Type: National Payment System
  • Currency: Kyrgyzstani Som (KGS)
  • % of coverage: 40% of Kyrgyzstan's card transactions (estimated)
  • Money transfers to date: USD 2 billion annually (estimated)
  • Total customers: 1.5 million users (estimated)
  • Refunds: Yes (limited by transaction type)
  • Chargebacks: Yes

Elcard

Elcard is the national payment system of the Kyrgyz Republic, offering a comprehensive suite of payment solutions designed to cater to the needs of individuals and businesses alike. With a focus on security, convenience, and innovation, Elcard aims to provide seamless financial services to its users.

For private users, Elcard offers a variety of features and card types that cater to different needs:

  • Card Transfers: easily transfer funds between Elcard cards, providing quick and efficient money movement.
  • Bonuses and Discounts: enjoy exclusive bonuses and discounts when making purchases with Elcard.
  • Overdraft Capability: access to overdraft facilities, providing a financial cushion when needed.
  • Internet Payments: securely conduct online transactions, making online shopping and bill payments straightforward.
  • Custom Card Design: personalize your Elcard with a unique design to reflect your personal style.
  • 24/7 Customer Support: round-the-clock customer service ensures that assistance is always available.
  • Security Standards: Elcard adheres to all security standards, ensuring the safety of your financial information.

Types of Elcard Cards:

  • Contactless Cards for quick and secure transactions without the need to swipe or insert the card.
  • Social Benefits Cards designed for receiving social benefits conveniently.
  • Elcard Business tailored for business needs, offering specialized features for business transactions.
  • Pensioner Card made specifically to the needs of pensioners.
  • Elcard Credit Card provides credit facilities for flexible financial management.

Benefits for Businesses:

  • Increased Cashless Sales. Boost the volume of cashless transactions, reducing the need for cash handling.
  • 24/7 Payments. Accept payments for goods and services online around the clock using Elcard cards.
  • Modern Payment Solutions. Provide customers with a convenient and contemporary payment method.
  • Expanded Customer Base. Reach a wider audience by offering flexible payment options.
  • Optimized Sales Systems. Enhance and develop your supply and sales systems for greater efficiency.
  • Reporting Module. Generate necessary reports at any time, providing banks with valuable insights.
  • Card Suite Fraud Management. Monitors and logs fraudulent activities, ensuring enhanced security.
  • Collaboration with National Banks. Elcard works closely with national banks of the Kyrgyz Republic to provide integrated payment solutions, ensuring a seamless banking and payment experience for all users.
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Our fare pricing is designed to bring satisfaction to both sides of our partnership. The pricing structure is tailored to your specific business type and monthly turnover. Kindly send us a request, including details about your business, and our dedicated success manager will promptly get back to you with our best offer.