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ELQR

ELQR is Kyrgyzstan’s national interoperable QR payment system. It creates a unified QR payment environment that allows users to pay through different banks, wallets and mobile applications without being limited to a single provider. By the end of 2025, ELQR had become a central part of Kyrgyzstan’s QR payment infrastructure, with 20 commercial banks and payment organizations connected to the system. For merchants and PSPs, ELQR is one of the most important local payment methods for reaching Kyrgyz consumers.

Method
ELQR
LPM Market Share
n/a
Payments
Yes
Refunds
Yes - full & partial refunds (manual)
Type
Bank Transfer
Local Card Scheme
Users
n/a
Disbursements
No
No
Chargebacks
No
Authorization currency
KGS
Authorization
speed
instant
Recurring
No
No
Notify when available

Reasons for Popularity

Government Support and Infrastructure Development: The Kyrgyz government, alongside the Interbank Processing Center (MPC), has actively promoted the adoption of cashless payment systems as part of broader economic modernization efforts

Support from Financial Institutions: A wide range of banks and payment services support ELQR, enhancing its usability across different platforms

Technological Integration: ELQR's foundation on QR code technology simplifies transactions, allowing users to complete payments in just a few step

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