Elcard

About payment system

Elcard is the national payment system of the Kyrgyz Republic, designed to deliver secure, convenient, and innovative financial services to both individuals and businesses. With a comprehensive range of offerings, Elcard supports the country’s digital payment infrastructure and enhances financial inclusion.

For individual users, Elcard provides a wide array of features tailored to diverse financial needs:

• Card-to-Card Transfers: Easily move funds between Elcard cards for fast and convenient transactions.
• Bonuses & Discounts: Access exclusive offers and savings when making purchases with an Elcard.
• Overdraft Access: Benefit from overdraft services that offer financial flexibility in urgent situations.
• Online Payments: Make secure purchases and pay bills online with confidence.
• Custom Designs: Personalize your card with unique visuals that suit your preferences.
• 24/7 Support: Get assistance anytime through round-the-clock customer service.
• Advanced Security: Elcard complies with national security standards to protect your financial data.

Types of Elcard Cards:

• Contactless Cards – Enable quick, tap-to-pay transactions without inserting or swiping.
• Social Benefits Cards – Designed for convenient access to government welfare payments.
• Elcard Business – Tailored for business needs, with features to manage corporate finances.
• Pensioner Cards – Specially designed for retirees, offering added convenience.
• Elcard Credit Cards – Provide access to credit facilities for flexible spending.

Benefits for Businesses:

• Increased Cashless Transactions: Encourage digital payments, reducing the need for cash handling.
• 24/7 Online Payments: Accept payments anytime through Elcard-enabled platforms.
• Modern Payment Tools: Offer customers a contemporary, efficient payment method.
• Customer Base Growth: Attract more customers by supporting a flexible range of payment options.
• Improved Sales Infrastructure: Enhance business operations with optimized sales and supply systems.
• Comprehensive Reporting: Access essential reports and transaction analytics with ease.
• Fraud Monitoring: Utilize a card suite fraud management system that logs and tracks suspicious activity.

Elcard operates in collaboration with the national banks of Kyrgyzstan to provide a fully integrated and secure payment ecosystem, helping users manage their finances effectively while promoting digital payment adoption throughout the country.