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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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Pricing request

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.