{"id":12382,"date":"2025-11-06T16:56:48","date_gmt":"2025-11-06T11:56:48","guid":{"rendered":"https:\/\/frank.uz\/bez-kategorii\/paynet-payme-and-click-who-leads-in-profit\/"},"modified":"2025-11-06T16:56:48","modified_gmt":"2025-11-06T11:56:48","slug":"paynet-payme-and-click-who-leads-in-profit","status":"publish","type":"post","link":"https:\/\/frank.uz\/en\/news-en\/paynet-payme-and-click-who-leads-in-profit\/","title":{"rendered":"Paynet, Payme and Click: who leads in profit?"},"content":{"rendered":"<h3>Why is this important<\/h3>\n<p>Paynet leads in profit (330.5 billion) due to its dominance in utility payments and a wide network of terminals. Payme is growing faster (+54%) due to its integration with e-commerce, delivery, and taxi services. Click lags behind (+31%) due to competition, but remains a strong player. The online payment market is growing by 50-60% annually due to digitalization, the ban on cash in buses, and the growth of e-commerce.   <\/p>\n<h3>What happened<\/h3>\n<ul>\n<li>Paynet: profit of 330.5 billion (+59%), revenue of 1.2 trillion (+55%);<\/li>\n<li>Payme: profit 287.3 billion (+54%), revenue 534.2 billion (+56%);<\/li>\n<li>Click: profit 235.7 billion (+31%), revenue 549.1 billion (+30%);<\/li>\n<li>Growth due to digitalization, online payments, and the expansion of services.<\/li>\n<\/ul>\n<h3>Paynet \u2014 330,5 billion<\/h3>\n<ul>\n<li><strong>Profit:<\/strong> 330.5 billion (+59% compared to 2024, +122.9 billion).<\/li>\n<li><strong>Revenues: <\/strong>1.2 trillion (+55%).<\/li>\n<li><strong>Taxes: <\/strong>49.6 billion.<\/li>\n<li><strong>Leadership: <\/strong>Paynet dominates utility payments (electricity, gas, water, internet), has a wide network of terminals (10,000+), serves government agencies, pensions.<\/li>\n<\/ul>\n<h3>Payme \u2014 287,3 billion<\/h3>\n<ul>\n<li><strong>Profit: <\/strong>287.3 billion (+54%, +100.4 billion).<\/li>\n<li><strong>Revenues:<\/strong> 534.2 billion (+56%).<\/li>\n<li><strong>Taxes:<\/strong> 4.8 billion.<\/li>\n<li><strong>Growth: <\/strong>Payme is actively integrating with e-commerce (Uzum, Korzinka), delivery (Yandex Go), taxi, and expanding lending (Payme Nasiya).<\/li>\n<\/ul>\n<h3>Click \u2014 235,7 billion<\/h3>\n<ul>\n<li><strong>Profit:<\/strong> 235.7 billion (+31%, +56.4 billion).<\/li>\n<li><strong>\u0414\u043e\u0445\u043e\u0434\u044b:<\/strong> 549,1 \u043c\u043b\u0440\u0434 (+30%).<\/li>\n<li><strong>Taxes:<\/strong> 899 million.<\/li>\n<li><strong>Lagging behind: <\/strong>Click is growing slower due to competition with Payme, Uzum, but remains strong in transfers, utility payments, and online purchases.<\/li>\n<\/ul>\n<h3>Comparison<\/h3>\n<ul>\n<li><strong>Profit:<\/strong> Paynet (330.5 billion) &gt; Payme (287.3 billion) &gt; Click (235.7 billion).<\/li>\n<li><strong>Profit growth:<\/strong> Paynet (+59%) &gt; Payme (+54%) &gt; Click (+31%).<\/li>\n<li><strong>Revenues: <\/strong>Paynet (1.2 trillion) &gt; Click (549.1 billion) &gt; Payme (534.2 billion).<\/li>\n<li><strong>Income growth: <\/strong>Payme (+56%) &gt; Paynet (+55%) &gt; Click (+30%).<\/li>\n<\/ul>\n<h3>Growth drivers<\/h3>\n<ul>\n<li><strong>Digitalization: <\/strong>ban on cash in buses, online payment for garbage collection, and utility bills stimulate the growth of transactions.<\/li>\n<li><strong>E-commerce: <\/strong>online purchases are growing by 50-60% annually \u2014 Payme, Click are integrated with Uzum, Korzinka, and other platforms.<\/li>\n<li><strong>Expansion of services: <\/strong>Payme Nasiya (lending), Click Transfer (international transfers), Paynet terminals (wide network).<\/li>\n<li><strong>Income growth: <\/strong>salaries increased by 19%, the middle class spends more online.<\/li>\n<\/ul>\n<h3>Taxes<\/h3>\n<ul>\n<li><strong>Paynet:<\/strong> 49.6 billion \u2014 the largest taxpayer among payment systems.<\/li>\n<li><strong>Payme:<\/strong> 4.8 billion \u2014 low taxes due to benefits for IT companies.<\/li>\n<li><strong>Click:<\/strong> 899 million \u2014 minimum taxes.<\/li>\n<\/ul>\n<h3>Context<\/h3>\n<ul>\n<li><strong>The online payment market<\/strong> is growing by 50-60% annually thanks to digitalization. 490.1 million transactions in public transport for 9 months (+38%) \u2014 growth indicator. <\/li>\n<li><strong>Paynet is the leader: <\/strong>it dominates in utility payments, public services, pensions thanks to a network of terminals, and government contracts.<\/li>\n<li><strong>Payme \u2014 rapid growth:<\/strong> integration with e-commerce, delivery, taxi provides 54% growth. Payme Nasiya (lending) is a new source of income. <\/li>\n<li><strong>Click \u2014 competition:<\/strong> lags behind (+31%) due to pressure from Payme, Uzum, but remains strong in transfers and utility payments.<\/li>\n<li><strong>Uzum is a new player:<\/strong> Uzum super-application (e-commerce, loans, payments) competes with Click, Payme, Paynet, capturing market share.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>For 9 months of 2025, Paynet earned 330.5 billion in net profit, Payme \u2014 287.3 billion, Click \u2014 235.7 billion. Growth due to digitalization, growth of online payments, expansion of services. <\/p>\n","protected":false},"author":4,"featured_media":12325,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sharing_image":{"poster":"https:\/\/frank.uz\/wp-content\/uploads\/2025\/11\/690dd1c10acfe.jpg","width":1200,"height":630,"template":"2bf59057","mode":"auto"},"_sharing_image_fieldset":{"Dv78f24rp1hU":12325,"YlB8HH34jIzY":"Paynet, Payme and Click: who leads in profit?"},"pin_until":"","footnotes":""},"categories":[2061],"tags":[2280,2079,2124,3477],"class_list":["post-12382","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news-en","tag-digitalization","tag-finance","tag-fintech","tag-payment-systems"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.0 (Yoast SEO v25.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Paynet, Payme and Click: who leads in profit? &#8212; Frank.uz<\/title>\n<meta name=\"description\" content=\"For 9 months of 2025, Paynet earned 330.5 billion in net profit, Payme \u2014 287.3 billion, Click \u2014 235.7 billion. 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