Internet acquiring for business from Octobank
Accept online payments on your website or mobile app using bank cards and modern payment methods. Use a ready-made payment page or integrate the payment service via Open API.
Payment Security and Technical Support
Open API for integration
Easy setup
Convenient personal dashboard
Key Benefits
Open API
Integration of payment acceptance with a website, mobile app, or information system.
Personal dashboard
Monitor all payment transactions and access up-to-date data.
Checkout page
Ready-made Octobank payment form for quick connection without custom development.
Tokenization
Secure reuse of payment details without re-entry.
Payment Security
Secure transaction processing using SSL, OTP, and 3D Secure technologies.
Security standards
Compliance with PCI DSS requirements and other information and payment security standards.
OCT Payouts — payments to your clients. Direct to card.
Transfer money to Uzcard and Humo cards — OCT Payouts service for paying clients, sellers, partners, and contractors. Ideal for marketplaces, online platforms, and other companies that need to arrange payouts to their users.
Terms and conditions for payment processing
Personal dashboard
Control payments and operations all in one place. The Merchant Portal allows you to view transaction details, track payment statuses, and manage your operations using available tools.
Refunds and chargebacks
Manage refunds and cancellations in accordance with the "Refund and Cancellation Procedure" service rules in Section 6.
Tokenization
Tokenization enables the use of a secure identifier instead of bank card details. This is convenient for services where customers need to reuse their payment method.
Recurring payments
OAutomate recurring payments for subscriptions and periodic services.
Security
We prioritize payment security and data protection. Payments are processed using modern security mechanisms such as SSL, OTP, and 3D Secure.
Website requirements
We prioritize payment security and data protection. Transactions are processed using advanced SSL, OTP, and 3D Secure technologies. Review the detailed requirements in Section IV, "Compliance with Bank Requirements for Website/Project."
One-click payment
In addition to cards, customers make payments using their preferred mobile wallets—without entering credentials and with higher conversion rates.
Интернет-эквайринг от Octobank
Accept one-click payments from popular international and local payment systems.
Choose the right plan for your business.
Feature Name | Fee |
Transactions with international Visa, Mastercard, and UnionPay cards | 3.5% of transaction amount |
Commission for transferring funds/payouts to Uzcard and Humo cards | 1.0% of transaction amount |
Transactions with locally issued Visa, Mastercard, and UnionPay cards | 1.5% of transaction amount |
Transactions processed using cards issued directly by Octobank | 0.8% of transaction amount |
Uzcard / Humo card network transactions | 0.8% of transaction amount |
Transactions executed via power-of-attorney acquiring services | 1.0% of transaction amount |
Transactions completed using Apple Pay | 3.5% of transaction amount |
Transactions completed using Google Pay | 3.5% of transaction amount |
Integration Steps
Step 1. Final KYC Verification
The Internal Control Department review takes 3–5 business days. Once approved, the technical implementation phase begins.
Step 2. Integration and Account Opening
OCTO to‘lov xizmati bilan texnik integratsiya va hisob raqamini ochish bir vaqtning o‘zida amalga oshiriladi.
Step 3. Integration Completion and Testing
After integration, test payments are executed to verify the proper operation of the payment service.
Step 4. Finalizing the Offer Agreement and Merchant Questionnaire
Preparing the final set of legal documents
Step 5. Merchant Activation in the OCTO System
Once technical and legal processes are finalized, the merchant is activated in the OCTO system and can begin accepting online payments.
Trusted by Industry Leaders
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Tailored Payment Solutions
Online services
Mobile app
Delivery services
Travel & Ticketing Services
Online education
Subscription Services
Marketplaces
SaaS services
Fintech companies
Loyalty programs
Gaming platforms
Partnership programms
Documents
Terms of Service for Internet Acquiring at Octobank JSC
20260611_pravila-ie-oferta_3.0[1].pdf, 411.80 KB
Merchant Public Offer for Entering into an Internet Acquiring Agreement with JSC "Octobank"
20260611_oferta_torgovtsa_na_zaklyuchenie_dogovora_3.0[1].pdf, 168.44 KB
E-Commerce Merchant Application Form
20260611_anketa_torgovtsa_elektronnoy_kommercii_3.0[1].pdf, 120.21 KB
Internet Acquiring Onboarding Procedure
20260611_protsedura_podklyucheniya_internet_ekvayringa_3.0[1].pdf, 133.45 KB
Unilateral Agreement Termination Notice
20260611_uvedomlenie_o_rastorzhenii_dogovora_v_odnostorennem_poryadke_3.0[1].pdf, 115.08 KB
Rules for Accepting Payments Using Payment Methods of JSC "Octobank" Information-Communication and Technological Partners
pravila_priema_platezei_posredstvom_plateznogo_metoda_iktv_partnera_octobank1-(1).pdf, 244.09 KB
Public Offer for Connecting Payment Acceptance Services Using Payment Methods of JSC "Octobank" PTS Partners
oferta-na-podkliucenie-uslugi-priema-platezei-s-ispolzovaniem-plateznogo-metoda-iktv-partnerov-ao-octobank-(002).pdf, 115.85 KB
Application Form for Connecting Payment Acceptance Services Using Payment Methods of JSC "Octobank" PTS Partners
anketa-na-podkliucenie-uslugi-priema-platezei-s-ispolzovaniem-plateznogo-metoda-iktv-partnerov-ao-octobank.pdf, 116.92 KB
FAQs
What is E-Commerce Acquiring?
Internet acquiring is an online payment processing service that enables businesses to accept cashless transactions directly on their website or mobile app using bank cards and other supported payment methods. OCTO manages end-to-end payment execution and processing, securely transmits transaction data, and settles funds directly into the Merchant's Octobank account.
Which documents are needed to connect?
Onboarding begins with legal compliance: the Merchant signs a Non-Disclosure Agreement (NDA) and completes a standard Know Your Customer (KYC) questionnaire. Upon successful compliance verification, the Merchant fills out the Public Offer and the Merchant Application Form to finalize the connection.
What is the payment processing fee?
The payment processing fee depends on the card type and payment method:
Visa / Mastercard / UnionPay International: 3.5% per transaction
Visa / Mastercard / UnionPay Uzbekistan Domestic: 1.5%
JSC "Octobank" Issued Cards: 0.8%
UzCard / HUMO: 0.8%
Acquiring via E-Power of Attorney (E-Doverennost): 1.0%
Apple Pay Transactions: 3.5% per transaction
Google Pay Transactions: 3.5% per transaction
How does the KYC verification process work?
In Stage 1, the Merchant signs an NDA and completes a standard KYC questionnaire. Compliance then reviews the submitted information and documents within 3–5 business days.
Upon positive approval, a dedicated Telegram working group is created for ongoing onboarding support, and technical API integration begins.
In parallel with integration, the Merchant prepares the document package provided by the Electronic Commerce Department (ECD) manager to open a settlement account. To open the account, the company Director must visit the Bank's Head Office in person with their passport and company seal.
After technical integration is complete, the Merchant conducts test transactions in accordance with the established testing methodology. Upon successful completion of testing, the final legal package—the Public Offer and the Merchant Application Form—is finalized.
Once all stages are fulfilled, the Merchant is activated in the OCTO system.
How are funds credited to the account?
After payment processing and deduction of the Bank’s commission, funds are credited to the Merchant's settlement account at Octobank. The settlement period is within 5 business days from the transaction date.
How is a payment refund processed?
A refund can be initiated via the Merchant Portal or the OCTO API. Both full and partial refunds are supported through the Merchant Portal, provided the total refund amount does not exceed the original transaction amount.
Is there a test environment?
A separate test environment is not provided—testing is conducted directly within the production environment. To execute test transactions, you must pass the test_true parameter in the payment initiation request.
Is an API available for integration?
Yes. The OCTO API is available for Internet Acquiring integration, enabling payment acceptance on your website or mobile application. All necessary integration information and documentation are publicly accessible at: https://help.octo.uz/
What payment cards can we accept?
Internet Acquiring allows accepting payments via Visa, Mastercard, UnionPay, HUMO, and Uzcard cards. Payment capability via Apple Pay and Google Pay is also supported.
Are international cards supported?
Yes. Internet Acquiring allows accepting payments via Visa, Mastercard, and UnionPay cards.
Is mobile app payment integration supported?
Yes. OCTO Internet Acquiring can be integrated with mobile applications for online payment acceptance.
Is a settlement account at Octobank required?
Yes. To enable Internet Acquiring, you must open a settlement account—either primary or secondary—with Octobank. There is no fee for opening a settlement account.
Is tokenization supported?
Yes. OCTO supports tokenization—card data is replaced with a unique token during payment processing, ensuring original card details are never transmitted.
Does the platform support recurring billing?
Yes, technically recurring payments are supported. To use them, the Merchant must implement a system that automatically initiates payment requests at specified intervals.
How long does integration take?
On the Bank's side, the onboarding procedure takes up to 7 business days on average, provided that documents are submitted on time, required checks are completed, and there are no delays on the Merchant's side.
How much does integration cost?
Free.
