1<!DOCTYPE html><html lang="en"><head><meta charSet="utf-8" data-next-head=""/><meta name="viewport" content="width=device-width" data-next-head=""/><title data-next-head="">Xonsaroy Pay</title><meta name="description" content="Xonsaroy Pay" data-next-head=""/><meta property="og:title" content="Xonsaroy Pay" data-next-head=""/><meta property="og:description" content="Xonsaroy Pay" data-next-head=""/><meta property="og:image" content="undefined/og-image.png" data-next-head=""/><meta property="og:image:width" content="1200" data-next-head=""/><meta property="og:image:height" content="630" data-next-head=""/><meta property="og:url" content="undefined/" data-next-head=""/><meta property="og:type" content="website" data-next-head=""/><link rel="preload" href="/_next/static/css/9a5c265085344013.css" as="style"/><link rel="stylesheet" href="/_next/static/css/9a5c265085344013.css" data-n-g=""/><noscript data-n-css=""></noscript>
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1</head><body class="antialiased"><link rel="preload" as="image" href="/icons/credit_score.svg"/><link rel="preload" as="image" href="/icons/shield.svg"/><link rel="preload" as="image" href="/icons/mastercard.svg"/><link rel="preload" as="image" href="/icons/check_circle.svg"/><link rel="preload" as="image" href="/icons/googleplay.svg"/><link rel="preload" as="image" href="/icons/apple.svg"/><link rel="preload" as="image" href="/icons/telegram.svg"/><link rel="preload" as="image" href="/icons/instagram.svg"/><link rel="preload" as="image" href="/icons/chat.svg"/><link rel="preload" as="image" href="/icons/appleWhite.svg"/><div id="__next"><main class="bg-black"><header class="fixed top-0 right-0 py-2.5 lg:py-3 w-full z-50 text-xs rounded-b-2xl transition-all duration-300 text-white"><div class="relative container mx-auto flex justify-between items-center"><a aria-label="Logo" class="link-item w-[103px] md:w-[137px] lg:w-[103px] 2xl:w-[172px] flex items-center gap-2" href="/"><span class="bg-violet-dark rounded-xl"><svg width="38" height="38" viewBox="0 0 38 38" fill="none" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M8.14348 0.480605C13.892 -0.160202 24.11 -0.160202 29.8585 0.480605C35.607 1.11873 36.8833 2.39766 37.5214 8.14348C38.1595 13.892 38.1595 24.11 37.5214 29.8585C36.8833 35.607 35.6044 36.8833 29.8585 37.5214C24.11 38.1595 13.892 38.1595 8.14348 37.5214C2.39498 36.8833 1.11873 35.6043 0.480606 29.8585C-0.160202 24.11 -0.160202 13.892 0.480606 8.14348C1.11873 2.39498 2.39498 1.11873 8.14348 0.480605Z" fill="white" fill-opacity="0.14"></path><path fill-rule="evenodd" clip-rule="evenodd" d="M24.6382 33.1242C31.1857 30.5074 34.9609 23.8205 34.0734 17.0183C33.942 16.1335 33.143 14.9162 32.1242 14.573C31.1053 14.2298 29.8505 14.2298 28.7003 14.2298C26.9923 14.2298 25.271 14.2244 23.555 14.2244C23.917 14.5381 24.1717 14.9698 24.2736 15.4739C24.8447 18.2436 24.6382 21.8846 24.6382 24.6382V28.5662H24.6329C24.6329 29.7352 24.5149 30.9042 24.2816 32.0732C24.1395 32.781 23.7025 33.3441 23.0885 33.6471C23.6167 33.4996 24.1342 33.3253 24.6382 33.1242Z" fill="#D7B369"></path><path fill-rule="evenodd" clip-rule="evenodd" d="M4.88046 24.6382C7.49731 31.1857 14.1842 34.9609 20.9864 34.0734C21.8712 33.942 23.0885 33.143 23.4317 32.1241C23.7749 31.1053 23.7749 29.8505 23.7749 28.7003C23.7749 26.9923 23.7803 25.271 23.7803 23.555C23.4666 23.917 23.0349 24.1717 22.5308 24.2736C19.7611 24.8447 16.1201 24.6382 13.3665 24.6382H9.4385V24.6329C8.2695 24.6329 7.10049 24.5149 5.93149 24.2816C5.22365 24.1395 4.6606 23.7025 4.35762 23.0885C4.50509 23.6167 4.67937 24.1342 4.88046 24.6382Z" fill="#D7B369"></path><path fill-rule="evenodd" clip-rule="evenodd" d="M13.3638 4.87778C6.81629 7.49463 3.04115 14.1815 3.92863 20.9838C4.06001 21.8686 4.85901 23.0858 5.87787 23.429C6.89672 23.7722 8.15153 23.7722 9.30176 23.7722C11.0097 23.7722 12.731 23.7776 14.447 23.7776C14.085 23.4639 13.8303 23.0322 13.7284 22.5281C13.1573 19.7584 13.3638 16.1174 13.3638 13.3638V9.43582H13.3691C13.3691 8.26681 13.4871 7.09781 13.7204 5.92881C13.8625 5.22097 14.2995 4.65792 14.9135 4.35494C14.3853 4.50241 13.8678 4.67669 13.3638 4.87778Z" fill="#D7B369"></path><path fill-rule="evenodd" clip-rule="evenodd" d="M33.1216 13.3638C30.5047 6.81629 23.8178 3.04115 17.0156 3.92863C16.1308 4.06001 14.9135 4.85901 14.5703 5.87786C14.2271 6.89672 14.2271 8.15152 14.2271 9.30176C14.2271 11.0097 14.2218 12.731 14.2218 14.447C14.5355 14.085 14.9671 13.8303 15.4712 13.7284C18.2409 13.1573 21.882 13.3638 24.6356 13.3638H28.5635V13.3691C29.7325 13.3691 30.9015 13.4871 32.0705 13.7204C32.7784 13.8625 33.3414 14.2995 33.6444 14.9135C33.4969 14.3853 33.3227 13.8678 33.1216 13.3638Z" fill="#D7B369"></path></svg></span><span class="font-bold text-start text-white">Xonsaroy Pay</span></a><ul class="hidden lg:flex items-center space-x-6 2xl:space-x-8 border bg-white/4 roun
1ded-lg px-4 border-white/16"><li class="relative"><button aria-label="Go to section /#opportunities" class="link-item hover:text-violet after:content-[''] after:absolute after:left-0 after:bottom-0 after:w-full after:h-0.5 hover:after:bg-violet after:rounded-t-full transition-colors py-2.5">Imkoniyatlarimiz</button></li><li class="relative"><button aria-label="Go to section /#advantages" class="link-item hover:text-violet after:content-[''] after:absolute after:left-0 after:bottom-0 after:w-full after:h-0.5 hover:after:bg-violet after:rounded-t-full transition-colors py-2.5">Afzalliklarimiz</button></li><li class="relative"><button aria-label="Go to section /#download" class="link-item hover:text-violet after:content-[''] after:absolute after:left-0 after:bottom-0 after:w-full after:h-0.5 hover:after:bg-violet after:rounded-t-full transition-colors py-2.5">Yuklab olish</button></li><li class="relative"><button aria-label="Go to section https://business.xonsaroypay.uz/" class="link-item hover:text-violet after:content-[''] after:absolute after:left-0 after:bottom-0 after:w-full after:h-0.5 hover:after:bg-violet after:rounded-t-full transition-colors py-2.5">Biznes uchun</button></li><li class="relative"><button aria-label="Go to section /#faq" class="link-item hover:text-violet after:content-[''] after:absolute after:left-0 after:bottom-0 after:w-full after:h-0.5 hover:after:bg-violet after:rounded-t-full transition-colors py-2.5">Tez-tez beriladigan savollar</button></li></ul><div class="flex items-center gap-x-3"><div class="relative z-20"><button class="flex items-center gap-x-3 p-2 sm:px-4 border bg-white/4 font-medium rounded-lg transition-all duration-300 border-white/16 hover:border-white/40" aria-label="open language switcher"><svg width="20" height="20" viewBox="0 0 20 20" fill="#282828" xmlns="http://www.w3.org/2000/svg" class="fill-white"><path d="M9.99175 1.66669C5.39175 1.66669 1.66675 5.40002 1.66675 10C1.66675 14.6 5.39175 18.3334 9.99175 18.3334C14.6001 18.3334 18.3334 14.6 18.3334 10C18.3334 5.40002 14.6001 1.66669 9.99175 1.66669ZM15.7667 6.66669H13.3084C13.0417 5.62502 12.6584 4.62502 12.1584 3.70002C13.6917 4.22502 14.9667 5.29169 15.7667 6.66669ZM10.0001 3.36669C10.6917 4.36669 11.2334 5.47502 11.5917 6.66669H8.40841C8.76675 5.47502 9.30841 4.36669 10.0001 3.36669ZM3.55008 11.6667C3.41675 11.1334 3.33341 10.575 3.33341 10C3.33341 9.42502 3.41675 8.86669 3.55008 8.33335H6.36675C6.30008 8.88335 6.25008 9.43335 6.25008 10C6.25008 10.5667 6.30008 11.1167 6.36675 11.6667H3.55008ZM4.23341 13.3334H6.69175C6.95841 14.375 7.34175 15.375 7.84175 16.3C6.30841 15.775 5.03341 14.7167 4.23341 13.3334ZM6.69175 6.66669H4.23341C5.03341 5.28335 6.30841 4.22502 7.84175 3.70002C7.34175 4.62502 6.95841 5.62502 6.69175 6.66669ZM10.0001 16.6334C9.30841 15.6334 8.76675 14.525 8.40841 13.3334H11.5917C11.2334 14.525 10.6917 15.6334 10.0001 16.6334ZM11.9501 11.6667H8.05008C7.97508 11.1167 7.91675 10.5667 7.91675 10C7.91675 9.43335 7.97508 8.87502 8.05008 8.33335H11.9501C12.0251 8.87502 12.0834 9.43335 12.0834 10C12.0834 10.5667 12.0251 11.1167 11.9501 11.6667ZM12.1584 16.3C12.6584 15.375 13.0417 14.375 13.3084 13.3334H15.7667C14.9667 14.7084 13.6917 15.775 12.1584 16.3ZM13.6334 11.6667C13.7001 11.1167 13.7501 10.5667 13.7501 10C13.7501 9.43335 13.7001 8.88335 13.6334 8.33335H16.4501C16.5834 8.86669 16.6667 9.42502 16.6667 10C16.6667 10.575 16.5834 11.1334 16.4501 11.6667H13.6334Z"></path></svg><span class="hidden sm:inline">Oâzbek</span></button></div><button class="text-white bg-violet hover:bg-violet-dark rounded-lg py-2.75 px-4 transition-color duration-300 font-medium font-family">Yuklab olish</button></div></div></header><section id="hero" class="bg-[url('/images/hero/bg-2.webp')] sm:bg-[url('/images/hero/hero-bg.webp')] relative w-full lg:h-screen bg-cover bg-center text-white text-xs !pb-8"><div class="container h-full flex flex-col"><div class="text-center pt-27.5 md:pt-23"><span class="inline-block bg-white/4 border border-white/16 rounded-lg px-2.5 py-1.5">Tez, oson, xavfsiz</span><h1 class="font-bold text-xl md:text-3xl my-3 md:my-4 md:mt-2">YANGI<span class="bg-violet px-1.5 py-0.5 rounded-md">AVLOD</span> <br/> <!-- -->TO'
1LOV PLATFORMASI</h1><div class="md:text-base opacity-80">To'lovlarning kelajagiga xush kelibsiz.<br/>Onlayn to'lovlarni oson va ishonchli amalga oshiring.</div></div><div class="flex flex-col sm:flex-row gap-4 mt-5 lg:mt-2 w-full max-w-250 mx-auto"><span id="hero-features-left" class="relative w-fit flex items-center gap-2 bg-white/4 border border-white/16 rounded-lg px-2.5 py-1.5 before:absolute before:-right-8 before:content-[''] before:block before:w-2 before:h-2 before:outline before:outline-offset-4 before:outline-white/24 before:rounded-full before:bg-white before:mr-2">Qulay onlayn to'lov<img src="/icons/credit_score.svg" alt="credit_score"/></span><span id="hero-features-right" class="ml-auto relative w-fit flex items-center gap-2 bg-white/4 border border-white/16 rounded-lg px-2.5 py-1.5 before:absolute before:-left-5 before:content-[''] before:block before:w-2 before:h-2 before:outline before:outline-offset-4 before:outline-white/24 before:rounded-full before:bg-white before:mr-2"><img src="/icons/shield.svg" alt="shield"/>Ma'lumotlaringiz ishonchli himoyalangan</span></div><div class="hidden lg:flex flex-col sm:flex-row gap-4 mt-23 w-full max-w-280 mx-auto"><span id="hero-features-left" class="relative w-fit flex items-center gap-2 bg-white/4 border border-white/16 rounded-lg px-2.5 py-1.5 before:absolute before:-right-8 before:content-[''] before:block before:w-2 before:h-2 before:outline before:outline-offset-4 before:outline-white/24 before:rounded-full before:bg-white before:mr-2">Telegram va mobil ilova orqali to'lov<img src="/icons/mastercard.svg" alt="mastercard"/></span><span id="hero-features-right" class="ml-auto relative w-fit flex items-center gap-2 bg-white/4 border border-white/16 rounded-lg px-2.5 py-1.5 before:absolute before:-left-5 before:content-[''] before:block before:w-2 before:h-2 before:outline before:outline-offset-4 before:outline-white/24 before:rounded-full before:bg-white before:mr-2"><img src="/icons/check_circle.svg" alt="check_circle"/>Shaffof operatsiyalar tarixi</span></div><div class="grid grid-cols-1 md:grid-cols-2 md:grid-rows-2 lg:flex gap-4 lg:gap-3 mt-39 lg:mt-auto"><div class="relative md:col-span-2 lg:min-w-100 xl:min-w-130 bg-violet/12 backdrop-blur-xl rounded-2xl lg:rounded-4xl h-35 md:h-42 lg:h-58 xl:h-61.5"><div class="absolute bg-primary-light inset-0 animate-pulse rounded-lg"></div><img alt="hero-phone" title="Xonsaroy Pay" loading="lazy" width="0" height="0" decoding="async" data-nimg="1" class="absolute bottom-0 lg:-bottom-5 -translate-y-1/2 left-0 max-w-55 md:max-w-65 lg:max-w-82 xl:max-w-88 h-auto object-cover mx-auto w-full h-auto relative opacity-0 transition-opacity duration-300" style="color:transparent" sizes="100vw" srcSet="/_next/image?url=%2Fimages%2Fhero%2Fphone.webp&w=640&q=75 640w, /_next/image?url=%2Fimages%2Fhero%2Fphone.webp&w=750&q=75 750w, /_next/image?url=%2Fimages%2Fhero%2Fphone.webp&w=828&q=75 828w, /_next/image?url=%2Fimages%2Fhero%2Fphone.webp&w=1080&q=75 1080w, /_next/image?url=%2Fimages%2Fhero%2Fphone.webp&w=1200&q=75 1200w, /_next/image?url=%2Fimages%2Fhero%2Fphone.webp&w=1920&q=75 1920w, /_next/image?url=%2Fimages%2Fhero%2Fphone.webp&w=2048&q=75 2048w, /_next/image?url=%2Fimages%2Fhero%2Fphone.webp&w=3840&q=75 3840w" src="/_next/image?url=%2Fimages%2Fhero%2Fphone.webp&w=3840&q=75"/><div class="shadow-gradient absolute bottom-0 left-0 w-full h-7/10 overflow-hidden rounded-b-2xl lg:rounded-b-4xl"></div></div><div class="flex flex-col lg:w-full text-base bg-violet/12 backdrop-blur-xl rounded-2xl lg:rounded-4xl p-4 lg:p-5 xl:p-6"><div class="text-lg xl:text-xl font-bold mb-4">Xonsaroy Pay ilovasini yuklab oling</div><div class="flex lg:flex-col gap-2 text-black font-bold mt-auto"><a href="https://play.google.com/store/apps/details?id=uxonpayz.xonsaroy." target="_blank" class="flex items-center justify-center gap-2 rounded-lg w-full bg-white px-2 py-2.5 hover:bg-white/85 transition-all duration-300"><img src="/icons/googleplay.svg" alt="google-play"/>Google Play</a><a href="https://apps.apple.com/uz/app/xonsaroy-pay/id6741350832" target="_blank" class="flex items-center justify-center gap-2 rounded-lg w-full bg-white px-2 py-2.5 hover:bg-white/85 transition-all duration-300"><img src="/icons/apple.svg" alt="app-store"/>App Store</a></div></div><div class="flex flex-col justify-between lg:w-full lg:-order-1 text-white bg-violet/12 backdrop-blur-xl rounded-2xl lg:rou
1nded-4xl p-4 lg:p-5 xl:p-6"><div class="text-lg lg:text-xl font-bold mb-12 lg:w-48">Ijtimoiy tarmoqlarda bizga qo'shiling</div><div class="flex gap-3 relative w-fit"><svg width="50" height="72" viewBox="0 0 50 72" fill="none" xmlns="http://www.w3.org/2000/svg" class="absolute -top-4 right-0 -translate-y-full"><path opacity="0.5" d="M45 42L44.5545 41.7729L45 42ZM5.29935 71.4578C5.55217 71.5688 5.84716 71.4539 5.95825 71.2011L7.76848 67.0813C7.87956 66.8285 7.76467 66.5335 7.51186 66.4224C7.25904 66.3113 6.96405 66.4262 6.85296 66.679L5.24387 70.3411L1.58179 68.732C1.32897 68.6209 1.03398 68.7358 0.922891 68.9886C0.811806 69.2414 0.9267 69.5364 1.17951 69.6475L5.29935 71.4578ZM2 1L1.50114 1.03371C2.34301 13.4934 9.89687 30.2178 18.871 40.6388C23.3508 45.8408 28.2622 49.564 32.9522 50.314C35.3166 50.6922 37.619 50.3128 39.7509 48.9967C41.8737 47.6862 43.7929 45.4686 45.4454 42.2271L45 42L44.5545 41.7729C42.957 44.9064 41.147 46.9596 39.2256 48.1458C37.3131 49.3265 35.2562 49.6698 33.1101 49.3266C28.7793 48.634 24.0657 45.1384 19.6288 39.9862C10.7697 29.6989 3.32366 13.1733 2.49886 0.966293L2 1ZM45 42L45.4454 42.2271C48.4382 36.3567 49.798 31.6137 49.8776 27.9041C49.9574 24.1787 48.743 21.4705 46.5776 19.7627C44.4307 18.0693 41.4298 17.424 38.0527 17.6354C34.6699 17.8471 30.8586 18.9201 27.0252 20.7274C19.3603 24.3411 11.5282 30.9276 6.77596 39.6245C2.01545 48.3364 0.351867 59.1583 5.03458 71.1815L5.50049 71L5.9664 70.8185C1.39911 59.0917 3.02319 48.5776 7.65349 40.104C12.292 31.6153 19.9539 25.1667 27.4516 21.6319C31.1995 19.865 34.8867 18.8355 38.1152 18.6334C41.3494 18.431 44.0727 19.0606 45.9584 20.5479C47.8257 22.0207 48.9525 24.3989 48.8778 27.8827C48.8027 31.3824 47.5122 35.9714 44.5545 41.7729L45 42Z" fill="url(#paint0_linear_78_86)"></path><defs><linearGradient id="paint0_linear_78_86" x1="4.50049" y1="1" x2="1.54233" y2="43.3863" gradientUnits="userSpaceOnUse"><stop stop-color="#999999" stop-opacity="0"></stop><stop offset="1" stop-color="white"></stop></linearGradient></defs></svg><a href="https://t.me/Xonsaroy_Pay" target="_blank" class="flex items-center justify-center size-12 lg:size-10 xl:size-12 border border-white/16 rounded-xl hover:bg-white/20 transition"><img src="/icons/telegram.svg" alt="/icons/telegram.svg"/></a><a href="https://www.instagram.com/xonsaroypay?igsh=Z3Mxb3p4bGswaHd5" target="_blank" class="flex items-center justify-center size-12 lg:size-10 xl:size-12 border border-white/16 rounded-xl hover:bg-white/20 transition"><img src="/icons/instagram.svg" alt="/icons/instagram.svg"/></a></div></div></div></div></section><div class="overflow-hidden rounded-t-[20px] xl:rounded-t-[56px] bg-white"><section id="opportunities" class="container py-8 lg:py-15"><div class="flex flex-col md:flex-row md:justify-between md:items-center"><h2 class="text-2xl md:text-3xl font-bold text-primary">Bizning imkoniyatlarimiz</h2><p class="mt-3 text-secondary text-sm md:text-base whitespace-pre-line">Xonsaroy Pay'ning barcha imkoniyatlarini kashf eting 2Biznesingizni oldinga siljitadigan moliyaviy yechimlar.</p></div><div class="grid mt-5 md:mt-6 gap-3 lg:gap-4 lg:grid-cols-3 lg:grid-rows-2"><div id="opportunities-card-0" class="relative sm:flex lg:block bg-secondary-light rounded-xl lg:rou
2nded-2xl p-4 lg:p-7 border border-gray overflow-hidden h-64 lg:h-80 lg:row-span-2 lg:h-auto"><div class=""><h2 class="text-lg sm:text-2xl font-bold whitespace-pre-line">To'lovlar va o'tkazmalar</h2><p class="text-secondary text-sm mt-2.5 whitespace-pre-line">Kartalar, banklar va foydalanuvchilar o'rtasida bir zumda o'tkazmalar â soniyalarda.</p></div><div class="w-3/5 xs:min-w-2/5 md:min-w-60 xs:max-w-70 ml-auto lg:absolute lg:bottom-0 lg:-left-5 lg:w-full lg:max-w-full"><div class="absolute bg-primary-light inset-0 animate-pulse rounded-lg"></div><img alt="opportunities" title="Xonsaroy Pay" loading="lazy" width="0" height="0" decoding="async" data-nimg="1" class="w-full h-auto max-w-full absolute top-0 -right-4 w-full h-auto relative opacity-0 transition-opacity duration-300" style="color:transparent" src="/images/opportunities/transaction.webp"/></div></div><div id="opportunities-card-1" class="relative sm:flex lg:block bg-secondary-light rounded-xl lg:rounded-2xl p-4 lg:p-7 border border-gray overflow-hidden h-64 lg:h-80 "><div class=""><h2 class="text-lg sm:text-2xl font-bold whitespace-pre-line">Xizmatlar uchun onlayn to'lov</h2><p class="text-secondary text-sm mt-2.5 whitespace-pre-line">Mobil aloqa, internet, kommunal xizmatlar, jarimalar, bojxona, soliqlar va boshqalar.</p></div><div class="w-3/5 xs:min-w-2/5 md:min-w-60 xs:max-w-70 ml-auto "><div class="absolute bg-primary-light inset-0 animate-pulse rounded-lg"></div><img alt="opportunities" title="Xonsaroy Pay" loading="lazy" width="0" height="0" decoding="async" data-nimg="1" class="w-full h-auto max-w-full absolute top-0 -right-4 w-full h-auto relative opacity-0 transition-opacity duration-300" style="color:transparent" src="/images/opportunities/services.webp"/></div></div><div id="opportunities-card-2" class="relative sm:flex lg:block bg-secondary-light rounded-xl lg:rou
2nded-2xl p-4 lg:p-7 border border-gray overflow-hidden h-64 lg:h-80 "><div class=""><h2 class="text-lg sm:text-2xl font-bold whitespace-pre-line">Joylarda to'lov</h2><p class="text-secondary text-sm mt-2.5 whitespace-pre-line">QR kod orqali yoki Xonsaroy Pay ilovasida to'lang. Soniyalarda to'lang â shunchaki kamerani yo'naltiring.</p></div><div class="w-3/5 xs:min-w-2/5 md:min-w-60 xs:max-w-70 ml-auto "><div class="absolute bg-primary-light inset-0 animate-pulse rounded-lg"></div><img alt="opportunities" title="Xonsaroy Pay" loading="lazy" width="0" height="0" decoding="async" data-nimg="1" class="w-full h-auto max-w-full absolute top-0 -right-4 w-full h-auto relative opacity-0 transition-opacity duration-300" style="color:transparent" src="/images/opportunities/qr.webp"/></div></div><div id="opportunities-card-3" class="relative sm:flex lg:block bg-secondary-light rounded-xl lg:rounded-2xl p-4 lg:p-7 border border-gray overflow-hidden h-64 lg:h-80 "><div class=""><h2 class="text-lg sm:text-2xl font-bold whitespace-pre-line">Xavfsizlik va muvofiqlik</h2><p class="text-secondary text-sm mt-2.5 whitespace-pre-line">Ma'lumotlarni shifrlash va himoya qilish. Foydalanuvchilar xavfsizligini ta'minlovchi texnologiyalar.</p></div><div class="w-3/5 xs:min-w-2/5 md:min-w-60 xs:max-w-70 ml-auto "><div class="absolute bg-primary-light inset-0 animate-pulse rounded-lg"></div><img alt="opportunities" title="Xonsaroy Pay" loading="lazy" width="0" height="0" decoding="async" data-nimg="1" class="w-full h-auto max-w-full absolute top-0 -right-4 w-full h-auto relative opacity-0 transition-opacity duration-300" style="color:transparent" src="/images/opportunities/security.webp"/></div></div><div id="opportunities-card-4" class="relative sm:flex lg:block bg-secondary-light rounded-xl lg:rou
2nded-2xl p-4 lg:p-7 border border-gray overflow-hidden h-64 lg:h-80 "><div class=""><h2 class="text-lg sm:text-2xl font-bold whitespace-pre-line">Moslashuvchan to'lov usullari</h2><p class="text-secondary text-sm mt-2.5 whitespace-pre-line">Uzcard, Humo, Visa, Mastercard kartalari. Telegram-bot orqali. Xonsaroy Pay mobil ilovasi orqali.</p></div><div class="w-3/5 xs:min-w-2/5 md:min-w-60 xs:max-w-70 ml-auto "><div class="absolute bg-primary-light inset-0 animate-pulse rounded-lg"></div><img alt="opportunities" title="Xonsaroy Pay" loading="lazy" width="0" height="0" decoding="async" data-nimg="1" class="w-full h-auto max-w-full absolute top-0 -right-4 w-full h-auto relative opacity-0 transition-opacity duration-300" style="color:transparent" src="/images/opportunities/responsebility.webp"/></div></div></div><div id="opportunities-card-5" class="relative sm:flex bg-gradient rounded-xl lg:rounded-3xl p-4 md:p-9.5 md:px-10 overflow-hidden h-50 mt-3 lg:mt-4"><div class="text-white max-w-80"><h2 class="text-lg md:text-2xl font-bold whitespace-pre-line">To'lovlar tarixi va bir marta bosish bilan takrorlash</h2><p class="text-sm md:text-base mt-2.5 whitespace-pre-line text-white/80">Sevimlilarga qo'shib, kelajakda 1 marta bosish bilan to'lash mumkin.</p></div><div class="w-3/5 xs:min-w-70 sm:size-117 ml-auto"><div class="absolute bg-primary-light inset-0 animate-pulse rounded-lg"></div><img alt="stock image" title="Xonsaroy Pay" loading="lazy" width="0" height="0" decoding="async" data-nimg="1" class="w-full h-auto max-w-full max-h-full absolute -top-5 xs:-top-10 xs:-right-10 sm:-top-10 md:-top-30 right-0 w-full h-auto relative opacity-0 transition-opacity duration-300" style="color:transparent" src="/images/opportunities/stock.webp"/></div></div></section><section id="advantages" class="container py-8 lg:py-15"><div class="flex flex-col md:flex-row md:justify-between mb-5"><h2 class="text-2xl md:text-3xl font-bold text-primary">Bizning afzalliklarimiz</h2><p class="mt-3 md:mt-0 text-secondary text-sm lg:text-base whitespace-pre-line">Xonsaroy Pay â toâlovlarni amalga oshirish, 3 hisobni boshqarish va moliyaviy operatsiyalarni 4 xavfsiz bajarish imkonini beruvchi zamonaviy toâlov tizimi.</p></div><div class="flex flex-col lg:grid lg:grid-cols-2 lg:grid-rows-2 gap-3"><div id="advantages-card-0" class="w-full text-primary h-37 lg:h-40 flex flex-col justify-between gap-2 bg-secondary-light rounded-xl lg:rou
4nded-2xl p-4 md:p-6 border border-gray"><p class="flex gap-3 items-center font-bold md:text-lg md:leading-6"><span class="flex justify-center items-center size-[48px] min-w-[48px] rounded-lg bg-violet p-3"><img src="/icons/mastercard.svg" alt="PaymentMethodsTitle" class="w-full h-full object-contain"/></span>Barcha to'lov usullari qo'llab-quvvatlanadi</p><ul class="list-disc list-inside text-xs opacity-70"><li>Uzcard, Humo, Visa, Mastercard, elektron hamyonlar.</li><li>Hisob-faktura orqali (yuridik/jismoniy shaxslar uchun) to'lash imkoni.</li></ul></div><div id="advantages-card-1" class="w-full text-primary h-37 lg:h-40 flex flex-col justify-between gap-2 bg-secondary-light rounded-xl lg:rounded-2xl p-4 md:p-6 border border-gray"><p class="flex gap-3 items-center font-bold md:text-lg md:leading-6"><span class="flex justify-center items-center size-[48px] min-w-[48px] rounded-lg bg-violet p-3"><img src="/icons/shield.svg" alt="ReliabilityTitle" class="w-full h-full object-contain"/></span>Ishonchlilik birinchi o'rinda</p><ul class="list-disc list-inside text-xs opacity-70"><li>Ikki bosqichli autentifikatsiya, shifrlash, xavflarni nazorat qilish.</li><li>Platforma regulyator va xalqaro talablar standartlariga mos keladi.</li></ul></div><div id="advantages-card-2" class="w-full text-primary h-37 lg:h-40 flex flex-col justify-between gap-2 bg-secondary-light rounded-xl lg:rou
4nded-2xl p-4 md:p-6 border border-gray"><p class="flex gap-3 items-center font-bold md:text-lg md:leading-6"><span class="flex justify-center items-center size-[48px] min-w-[48px] rounded-lg bg-violet p-3"><img src="/icons/chat.svg" alt="SupportTitle" class="w-full h-full object-contain"/></span>24/7 qo'llab-quvvatlash</p><ul class="list-disc list-inside text-xs opacity-70"><li>Onlayn chat, Telegram-bot, telefon â istalgan vaqtda.</li><li>Haqiqiy yordam, avtomat emas.</li></ul></div><div id="advantages-card-3" class="w-full text-primary h-37 lg:h-40 flex flex-col justify-between gap-2 bg-secondary-light rounded-xl lg:rounded-2xl p-4 md:p-6 border border-gray"><p class="flex gap-3 items-center font-bold md:text-lg md:leading-6"><span class="flex justify-center items-center size-[48px] min-w-[48px] rounded-lg bg-violet p-3"><img src="/icons/telegram.svg" alt="AppTitle" class="w-full h-full object-contain"/></span>Qulay ilova va aqlli Telegram-bot</p><ul class="list-disc list-inside text-xs opacity-70"><li>To'g'ridan-to'g'ri Telegramda to'lang â tez va xavfsiz</li><li>Bot burchak ostida olingan fotodan ham kartani tanib oladi</li><li>Qo'lda kiritish yo'q â shunchaki karta fotosini yuboring</li></ul></div></div></section><section id="slider" class="relative container py-8 lg:py-15"><h2 class="text-2xl w-75 xs:w-full md:text-3xl font-bold text-primary mb-5 md:mb-8">Har bir harakatda qulaylik</h2><div class="pagination absolute top-103 md:top-108 lg:top-1/2 left-1/2 lg:-left-2 -translate-x-1/2 lg:translate-x-0 lg:-translate-y-1/2 flex justify-center items-center gap-3 rounded-full bg-secondary-light p-2.25 !w-fit !h-fit mx-auto z-20 lg:rotate-90"></div><div class="rounded-2xl flex flex-col lg:flex-row lg:gap-8 items-center lg:max-h-137.5 lg:pl-11.5">
4<div class="relative bg-secondary-light rounded-xl lg:rounded-2xl border border-gray w-full lg:w-[556px] min-h-80 lg:h-[500px] flex items-center justify-center overflow-hidden"><div class="absolute bottom-0 left-1/2 -translate-x-1/2 flex items-center justify-center transition-all duration-700 ease-in-out 5 opacity-100 translate-y-0"><div class="w-55 md:w-60 lg:w-87.5"><div class="absolute bg-primary-light inset-0 animate-pulse rounded-lg"></div><img alt="slider banner" title="Xonsaroy Pay" loading="lazy" width="0" height="0" decoding="async" data-nimg="1" class="w-full h-auto w-full h-auto relative opacity-0 transition-opacity duration-300" style="color:transparent" sizes="100vw" srcSet="/_next/image?url=%2Fimages%2Fslider%2Fslide1.webp&w=640&q=75 640w, /_next/image?url=%2Fimages%2Fslider%2Fslide1.webp&w=750&q=75 750w, /_next/image?url=%2Fimages%2Fslider%2Fslide1.webp&w=828&q=75 828w, /_next/image?url=%2Fimages%2Fslider%2Fslide1.webp&w=1080&q=75 1080w, /_next/image?url=%2Fimages%2Fslider%2Fslide1.webp&w=1200&q=75 1200w, /_next/image?url=%2Fimages%2Fslider%2Fslide1.webp&w=1920&q=75 1920w, /_next/image?url=%2Fimages%2Fslider%2Fslide1.webp&w=2048&q=75 2048w, /_next/image?url=%2Fimages%2Fslider%2Fslide1.webp&w=3840&q=75 3840w" src="/_next/image?url=%2Fimages%2Fslider%2Fslide1.webp&w=3840&q=75"/></div></div><div class="absolute bottom-0 left-1/2 -translate-x-1/2 flex items-center justify-center transition-all duration-700 ease-in-out 6 opacity-0 translate-y-1/2 pointer-events-none"><div class="w-55 md:w-60 lg:w-87.5"><div class="absolute bg-primary-light inset-0 animate-pulse rounded-lg"></div><img alt="slider banner" title="Xonsaroy Pay" loading="lazy" width="0" height="0" decoding="async" data-nimg="1" class="w-full h-auto w-full h-auto relative opacity-0 transition-opacity duration-300" style="color:transparent" sizes="100vw" srcSet="/_next/image?url=%2Fimages%2Fslider%2Fslide2.webp&w=640&q=75 640w, /_next/image?url=%2Fimages%2Fslider%2Fslide2.webp&w=750&q=75 750w, /_next/image?url=%2Fimages%2Fslider%2Fslide2.webp&w=828&q=75 828w, /_next/image?url=%2Fimages%2Fslider%2Fslide2.webp&w=1080&q=75 1080w, /_next/image?url=%2Fimages%2Fslider%2Fslide2.webp&w=1200&q=75 1200w, /_next/image?url=%2Fimages%2Fslider%2Fslide2.webp&w=1920&q=75 1920w, /_next/image?url=%2Fimages%2Fslider%2Fslide2.webp&w=2048&q=75 2048w, /_next/image?url=%2Fimages%2Fslider%2Fslide2.webp&w=3840&q=75 3840w" src="/_next/image?url=%2Fimages%2Fslider%2Fslide2.webp&w=3840&q=75"/></div></div><div class="absolute bottom-0 left-1/2 -translate-x-1/2 flex items-center justify-center transition-all duration-700 ease-in-out 7 opacity-0 translate-y-1/2 pointer-events-none"><div class="w-55 md:w-60 lg:w-87.5"><div class="absolute bg-primary-light inset-0 animate-pulse rounded-lg"></div><img alt="slider banner" title="Xonsaroy Pay" loading="lazy" width="0" height="0" decoding="async" data-nimg="1" class="w-full h-auto w-full h-auto relative opacity-0 transition-opacity duration-300" style="color:transparent" sizes="100vw" srcSet="/_next/image?url=%2Fimages%2Fslider%2Fslide3.webp&w=640&q=75 640w, /_next/image?url=%2Fimages%2Fslider%2Fslide3.webp&w=750&q=75 750w, /_next/image?url=%2Fimages%2Fslider%2Fslide3.webp&w=828&q=75 828w, /_next/image?url=%2Fimages%2Fslider%2Fslide3.webp&w=1080&q=75 1080w, /_next/image?url=%2Fimages%2Fslider%2Fslide3.webp&w=1200&q=75 1200w, /_next/image?url=%2Fimages%2Fslider%2Fslide3.webp&w=1920&q=75 1920w, /_next/image?url=%2Fimages%2Fslider%2Fslide3.webp&w=2048&q=75 2048w, /_next/image?url=%2Fimages%2Fslider%2Fslide3.webp&w=3840&q=75 3840w" src="/_next/image?url=%2Fimages%2Fslider%2Fslide3.webp&w=3840&q=75"/></div></div></div><div class="max-w-full lg:max-w-auto flex-1 relative mt-10"><div class="swiper max-h-120 md:max-h-90 lg:h-full lg:max-h-137.5"><div class="swiper-wrapper"><div class="swiper-slide"><div class="flex flex-col lg:justify-center h-full"><h2 class="text-lg md:text-2xl font-bold text-primary">To'lovlar va o'tkazmalar â tez, qulay va ortiqcha qadamlarsiz</h2><p class="text-sm md:text-base text-secondary whitespace-pre-line mt-3">Xonsaroy Pay yordamida siz atigi bir necha soniya ichida pul yuborishingiz va qabul qilishingiz mumkin. Kartalar, banklar va foydalanuvchilar o'rtasida â hammasi bir zumda, navbat va kutishlarsiz amalga oshadi. 8 9Platforma barcha asosiy to'lov tizimlarini qo'llab-quvvatlaydi: Uzcard, Humo, Visa, Mastercard. 10 11Karta raqamini kiriting yoki qabul qiluvchini ro'yxatdan tanlang â va mablag'lar bir necha lahzada hisobga tushadi. 12 13Hech qanday qiyinchiliklar, yashirin komissiyalar yo'q â faqat halol, tez va shaffof o'tkazmalar. 14 15Xizmatdan kunning istalgan vaqtida, qayerda bo'lishingizdan qat'i nazar foydalanishingiz mumkin. Sizga kerak bo'ladigani â smartfoningiz xolos.</p></div></div><div class="swiper-slide"><div class="flex flex-col lg:justify-center h-full"><h2 class="text-lg md:text-2xl font-bold text-primary">To'lov â navbat va ortiqcha qadamlarsiz</h2><p class="text-sm md:text-base text-secondary whitespace-pre-line mt-3">To'lovlarni bir necha soniya ichida amalga oshiring: mobil aloqa, internet, kommunal xizmatlar, jarimalar, bojxona, soliqlar va boshqalar â bittadan o'zingizni olish. 16 17Ishonchli to'lovlar â faqat bir necha kesishish. 18 19Kerakli xizmatlarni qo'
19shing, to'lovlarni kuzatib, to'lovlarni oldini oling. 20 21Interfeys oson va oson â to'lovni bir necha kesishish bilan amalga oshirishingiz mumkin. 22 23Hech qanday kassa, qog'oz, kutishlar yo'q. Barcha â bitta joyda.</p></div></div><div class="swiper-slide"><div class="flex flex-col lg:justify-center h-full"><h2 class="text-lg md:text-2xl font-bold text-primary">Monitoring â har bir summa o'ziga xos</h2><p class="text-sm md:text-base text-secondary whitespace-pre-line mt-3">Endi siz to'lovlarning qayeriga ketishini batafsil ko'rishingiz mumkin. Xizmatlar, transport, uy, pul o'tkazmalar, kommunal xizmatlar va boshqalar kategoriyalarida to'lovlarni kuzating. 24 25Ilova avtomatik ravishda ma'lumotlarni to'plab, guruhlab ko'rsatadi â barcha ma'lumotlar tushunarli va o'ziga xos ko'rinishda ko'rsatiladi. 26 27Siz oylik to'lovlar summasini ko'rishingiz mumkin, shu jumladan har bir kategoriya va sanada. 28 29To'lovlar monitoringi endi sizning hisobingizni boshqarishini osonroq qiladi. O'z hisobingizni o'ziga xos ravishda boshqarish â va siz o'z hisobingizni o'ziga xos ravishda boshqarishingiz mumkin.</p></div></div></div></div></div></div></section><section id="download" class="container py-8 lg:py-15 overflow-hidden"><div class="flex flex-col md:flex-row bg-secondary-light rounded-xl lg:rou
29nded-2xl pb-0 p-4 md:pb-4 lg:p-7 border border-gray lg:mt-22.5"><div class="md:max-w-110 lg:min-w-130"><h3 class="text-lg lg:text-2xl font-bold text-primary">To'lovni osonroq â ilova orqali</h3><p class="mt-2 text-secondary text-sm lg:text-base">Xonsaroy Pay ilovasini yuklab oling va to'lovni bir zumda amalga oshiring</p><div class="text-white flex flex-col lg:flex-row gap-3 font-bold mt-6 lg:mt-10.5"><a href="https://play.google.com/store/apps/details?id=uz.xonsaroy.xonpay" target="_blank" class="flex items-center justify-center gap-3 rounded-lg md:rounded-xl w-full bg-black px-2 py-2.5 lg:py-4 last:bg-[#155EEF] hover:bg-black/80 transition-all duration-300"><img src="/icons/googleplay.svg" alt="download app"/>Google Play</a><a href="https://apps.apple.com/uz/app/xonsaroy-pay/id6741350832" target="_blank" class="flex items-center justify-center gap-3 rounded-lg md:rounded-xl w-full bg-black px-2 py-2.5 lg:py-4 last:bg-[#155EEF] hover:bg-black/80 transition-all duration-300"><img src="/icons/appleWhite.svg" alt="download app"/>App Store</a></div></div><div class="relative mt-6 w-52.5 md:w-60 lg:w-72.5 mx-auto lg:mr-0"><div class="absolute bg-primary-light inset-0 animate-pulse rounded-lg"></div><img alt="phone" title="Xonsaroy Pay" loading="lazy" width="0" height="0" decoding="async" data-nimg="1" class="w-full h-auto md:absolute md:-bottom-4 lg:-bottom-7 lg:right-16.5 w-full h-auto relative opacity-0 transition-opacity duration-300" style="color:transparent" sizes="100vw" srcSet="/_next/image?url=%2Fimages%2FdownloadApp%2Fphone.webp&w=640&q=75 640w, /_next/image?url=%2Fimages%2FdownloadApp%2Fphone.webp&w=750&q=75 750w, /_next/image?url=%2Fimages%2FdownloadApp%2Fphone.webp&w=828&q=75 828w, /_next/image?url=%2Fimages%2FdownloadApp%2Fphone.webp&w=1080&q=75 1080w, /_next/image?url=%2Fimages%2FdownloadApp%2Fphone.webp&w=1200&q=75 1200w, /_next/image?url=%2Fimages%2FdownloadApp%2Fphone.webp&w=1920&q=75 1920w, /_next/image?url=%2Fimages%2FdownloadApp%2Fphone.webp&w=2048&q=75 2048w, /_next/image?url=%2Fimages%2FdownloadApp%2Fphone.webp&w=3840&q=75 3840w" src="/_next/image?url=%2Fimages%2FdownloadApp%2Fphone.webp&w=3840&q=75"/></div></div></section><section id="banner" class="overflow-hidden bg-[url('/images/banner/FooterSm.webp')] md:bg-[url('/images/banner/FooterMd.webp')] lg:bg-[url('/images/banner/Footer.webp')] bg-cover bg-center h-105 rounded-t-[20px] xl:rounded-t-4xl bg-white relative"><div class="container text-center text-white flex flex-col items-center justify-center h-full"><h2 class="text-2xl md:text-5xl font-bold">Xonsaroy Pay Business</h2><p class="text-xs md:text-base mt-3 md:mt-4">To'lovlarni sayt, Telegram, QR-kod yoki to'g'ridan-to'g'ri hisobingizga qabul qiling. Hammasi â bitta platformada.</p><p class="text-xs md:text-base mt-3 md:mt-4">Onlayn kassa va biznesingiz uchun to'lov yechimlari.</p><button class="group hover:bg-[linear-gradient(180deg,rgba(231,189,103,1)_0%,rgba(179,125,16,1)_100%)] hover:shadow-xl active:shadow-[rgba(231,189,103,0.7)] shadow-white/30 hover:inset-shadow-xs inset-shadow-[#f8cc74] duration-300 hover:text-white transition flex items-center justify-center gap-3 bg-white text-black px-6 py-3.5 rounded-lg md:rounded-xl mt-5 md:mt-6 leading-none">Saytga o'tish<!-- --> <svg width="22" height="22" viewBox="0 0 24 25" fill="#282828" xmlns="http://www.w3.org/2000/svg" class="group-hover:fill-white transition fill-black"><path d="M6.5 6V8H15.09L5.5 17.59L6.91 19L16.5 9.41V18H18.5V6H6.5Z"></path></svg></button></div></section><section id="faq" class="container py-8 lg:py-15"><div class="text-secondary"><div class="flex flex-col md:flex-row md:justify-between md:items-center"><h2 class="text-2xl md:text-3xl font-bold text-primary" style="opacity:0;transform:translateY(30px)">Tez-tez beriladigan savollar</h2><p class="mt-3 text-secondary text-sm md:text-base max-w-90" style="opacity:0;transform:translateY(30px)">Xonsaroy Pay haqida tez-tez beriladigan savollar</p></div><div class="flex flex-col gap-3 mt-5 md:mt-6" style="opacity:0"><div style="opacity:0;transform:translateY(30px)"><div class="border border-gray bg-white p-4 md:px-6 rounded-2xl cursor-pointer" tabindex="0"><div class="flex gap-x-4 items-center justify-between"><span class="font-bold text-sm md:text-lg text-primary">Xonsaroy Pay nima?</span><div><svg width="24" height="24" viewBox="0 0 24 25" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M19 13.5H13V19.5H11V13.5H5V11.5H11V5.5H13V11.5H19V13.5Z" fill="#515151"></path></svg></div></div></div></div><div style="opacity:0;transform:translateY(30px)"><div class="border border-gray bg-white p-4 md:px-6 rounded-2xl cursor-pointer" tabindex="0"><div class="flex gap-x-4 items-center justify-between"><span class="font-bold text-sm md:text-lg text-primary">Xonsaroy Pay orqali toâlov qilish xavfsizmi?</span><div><svg width="24" height="24" viewBox="0 0 24 25" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M19 13.5H13V19.5H11V13.5H5V11.5H11V5.5H13V11.5H19V13.5Z" fill="#515151"></path></svg></div></div></div></div><div style="opacity:0;transform:translateY(30px)"><div class="border border-gray bg-white p-4 md:px-6 rounded-2xl cursor-pointer" tabindex="0"><div class="flex gap-x-4 items-center justify-between"><span class="font-bold text-sm md:text-lg text-primary">Toâlov amalga oshmasa-yu, pul yechib olinsa, nima qilish kerak?</span><div><svg width="24" height="24" viewBox="0 0 24 25" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M19 13.5H13V19.5H11V13.5H5V11.5H11V5.5H13V11.5H19V13.5Z" fill="#515151"></path></svg></div></div></div></div><div style="opacity:0;transform:translateY(30px)"><div class="border border-gray bg-white p-4 md:px-6 rounded-2xl cursor-pointer" tabindex="0"><div class="flex gap-x-4 items-center justify-between"><span class="font-bold text-sm md:text-lg text-primary">Qanday xizmatlar uchun haq toâlash mumkin?</span><div><svg width="24" height="24" viewBox="0 0 24 25" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M19 13.5H13V19.5H11V13.5H5V11.5H11V5.5H13V11.5H19V13.5Z" fill="#515151"></path></svg></div></div></div></div><div style="opacity:0;transform:translateY(30px)"><div class="border border-gray bg-white p-4 md:px-6 rounded-2xl cursor-pointer" tabindex="0"><div class="flex gap-x-4 items-center justify-between"><span class="font-bold text-sm md:text-lg text-primary">âMening uyimâ nima?</span><div><svg width="24" height="24" viewBox="0 0 24 25" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M19 13.5H13V19.5H11V13.5H5V11.5H11V5.5H13V11.5H19V13.5Z" fill="#515151"></path></svg></div></div></div></div><div style="opacity:0;transform:translateY(30px)"><div class="border border-gray bg-white p-4 md:px-6 rounded-2xl cursor-pointer" tabindex="0"><div class="flex gap-x-4 items-center justify-between"><span class="font-bold text-sm md:text-lg text-primary">Xonsaroy xonadonlari uchun muddatli toâlovni ilova orqali amalga oshirish mumkinmi?</sp
29an><div><svg width="24" height="24" viewBox="0 0 24 25" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M19 13.5H13V19.5H11V13.5H5V11.5H11V5.5H13V11.5H19V13.5Z" fill="#515151"></path></svg></div></div></div></div></div></div></section></div><footer class="bg-[#0D0213] container rounded-t-3xl text-white py-8"><div class="flex flex-col"><div class="flex flex-col xs:flex-row justify-between gap-6 w-full"><button id="hero" class="link-item mb-3 flex items-center gap-2"><span class="bg-violet-dark rounded-xl"><svg width="38" height="38" viewBox="0 0 38 38" fill="none" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M8.14348 0.480605C13.892 -0.160202 24.11 -0.160202 29.8585 0.480605C35.607 1.11873 36.8833 2.39766 37.5214 8.14348C38.1595 13.892 38.1595 24.11 37.5214 29.8585C36.8833 35.607 35.6044 36.8833 29.8585 37.5214C24.11 38.1595 13.892 38.1595 8.14348 37.5214C2.39498 36.8833 1.11873 35.6043 0.480606 29.8585C-0.160202 24.11 -0.160202 13.892 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24.6382H9.4385V24.6329C8.2695 24.6329 7.10049 24.5149 5.93149 24.2816C5.22365 24.1395 4.6606 23.7025 4.35762 23.0885C4.50509 23.6167 4.67937 24.1342 4.88046 24.6382Z" fill="#D7B369"></path><path fill-rule="evenodd" clip-rule="evenodd" d="M13.3638 4.87778C6.81629 7.49463 3.04115 14.1815 3.92863 20.9838C4.06001 21.8686 4.85901 23.0858 5.87787 23.429C6.89672 23.7722 8.15153 23.7722 9.30176 23.7722C11.0097 23.7722 12.731 23.7776 14.447 23.7776C14.085 23.4639 13.8303 23.0322 13.7284 22.5281C13.1573 19.7584 13.3638 16.1174 13.3638 13.3638V9.43582H13.3691C13.3691 8.26681 13.4871 7.09781 13.7204 5.92881C13.8625 5.22097 14.2995 4.65792 14.9135 4.35494C14.3853 4.50241 13.8678 4.67669 13.3638 4.87778Z" fill="#D7B369"></path><path fill-rule="evenodd" clip-rule="evenodd" d="M33.1216 13.3638C30.5047 6.81629 23.8178 3.04115 17.0156 3.92863C16.1308 4.06001 14.9135 4.85901 14.5703 5.87786C14.2271 6.89672 14.2271 8.15152 14.2271 9.30176C14.2271 11.0097 14.2218 12.731 14.2218 14.447C14.5355 14.085 14.9671 13.8303 15.4712 13.7284C18.2409 13.1573 21.882 13.3638 24.6356 13.3638H28.5635V13.3691C29.7325 13.3691 30.9015 13.4871 32.0705 13.7204C32.7784 13.8625 33.3414 14.2995 33.6444 14.9135C33.4969 14.3853 33.3227 13.8678 33.1216 13.3638Z" fill="#D7B369"></path></svg></span><span class="font-bold text-start whitespace-pre-line">Xonsaroy <br/> Pay</span></button><div class="flex gap-3"><a class="flex items-center justify-center w-10 h-10 rounded-[10px] border border-white/20 bg-white/5 hover:bg-white/20 transition" target="_blank" rel="noopener noreferrer" href="https://t.me/Xonsaroy_Pay"><img alt="Telegram" loading="lazy" width="24" height="24" decoding="async" data-nimg="1" style="color:transparent" src="/icons/telegram.svg"/></a><a class="flex items-center justify-center w-10 h-10 rounded-[10px] border border-white/20 bg-white/5 hover:bg-white/20 transition" target="_blank" rel="noopener noreferrer" href="https://www.instagram.com/xonsaroypay?igsh=Z3Mxb3p4bGswaHd5"><img 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class="hover:text-white transition">Kompaniya haqida</a><a href="#opportunities" class="hover:text-white transition">Tizim tavsifi va imkoniyatlari</a><a href="#faq" class="hover:text-white transition">Tez-tez beriladigan savollar</a><a class="hover:text-white transition" href="/public-offer">Ommaviy oferta</a><a href="/docs/xonsaroy_pay_terms_ru.pdf" download="" class="hover:text-white transition">Namunaviy shartlar</a></div><div class="flex flex-col gap-3 min-w-[180px] flex-1"><div class="font-bold text-white md:text-base">Yordam</div><a href="/docs/userGuide.PDF" target="_blank" class="hover:text-white transition">Foydalanuvchi uchun qo'llanma</a><a class="hover:text-white transition" href="/privacy-policy">Maxfiylik siyosati</a></div><div class="flex flex-col gap-3 min-w-[180px] flex-1"><div class="font-bold text-white md:text-base">Xonsaroy Pay App</div><a href="https://play.google.com/store/apps/details?id=uz.xonsaroy.xonpay" target="_blank" class="text-black font-bold text-sm 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29<script id="__NEXT_DATA__" type="application/json">{"props":{"pageProps":{"messages":{"header":{"opportunities":"Imkoniyatlarimiz","advantages":"Afzalliklarimiz","download":"Yuklab olish","xonsaroy_pay_business":"Biznes uchun","faq":"Tez-tez beriladigan savollar"},"hero":{"paymentPlatform":"TO'LOV PLATFORMASI","newGeneration1":"YANGI","newGeneration2":"AVLOD","fastSmartConvenient":"Tez, oson, xavfsiz","welcomeMessage1":"To'lovlarning kelajagiga xush kelibsiz.","welcomeMessage2":"Onlayn to'lovlarni oson va ishonchli amalga oshiring.","convenientOnlinePayment":"Qulay onlayn to'lov","reliableDataProtection":"Ma'lumotlaringiz ishonchli himoyalangan","payFromPhone":"Telegram va mobil ilova orqali to'lov","instantConfirmation":"Shaffof operatsiyalar tarixi","downloadTitle":"Xonsaroy Pay ilovasini yuklab oling","joinSocialTitle":"Ijtimoiy tarmoqlarda bizga qo'shiling","googlePlay":"Google Play","appStore":"App Store","telegram":"Telegram"},"opportunities":{"sectionTitle":"Bizning imkoniyatlarimiz","sectionDescription":"Xonsaroy Pay'ning barcha imkoniyatlarini kashf eting\nBiznesingizni oldinga siljitadigan moliyaviy yechimlar.","paymentsTitle":"To'lovlar va o'tkazmalar","paymentsDescription":"Kartalar, banklar va foydalanuvchilar o'rtasida bir zumda o'tkazmalar â soniyalarda.","servicesTitle":"Xizmatlar uchun onlayn to'lov","servicesDescription":"Mobil aloqa, internet, kommunal xizmatlar, jarimalar, bojxona, soliqlar va boshqalar.","qrTitle":"Joylarda to'lov","qrDescription":"QR kod orqali yoki Xonsaroy Pay ilovasida to'lang. Soniyalarda to'lang â shunchaki kamerani yo'naltiring.","securityTitle":"Xavfsizlik va muvofiqlik","securityDescription":"Ma'lumotlarni shifrlash va himoya qilish. Foydalanuvchilar xavfsizligini ta'minlovchi texnologiyalar.","flexibleTitle":"Moslashuvchan to'lov usullari","flexibleDescription":"Uzcard, Humo, Visa, Mastercard kartalari. Telegram-bot orqali. Xonsaroy Pay mobil ilovasi orqali.","historyTitle":"To'lovlar tarixi va bir marta bosish bilan takrorlash","historyDescription":"Sevimlilarga qo'shib, kelajakda 1 marta bosish bilan to'lash mumkin."},"advantages":{"SectionTitle":"Bizning afzalliklarimiz","SectionDescription":"Xonsaroy Pay â toâlovlarni amalga oshirish,\n hisobni boshqarish va moliyaviy operatsiyalarni\n xavfsiz bajarish imkonini beruvchi zamonaviy toâlov tizimi.","PaymentMethodsTitle":"Barcha to'lov usullari qo'llab-quvvatlanadi","PaymentMethodsPoint1":"Uzcard, Humo, Visa, Mastercard, elektron hamyonlar.","PaymentMethodsPoint2":"Hisob-faktura orqali (yuridik/jismoniy shaxslar uchun) to'lash imkoni.","ReliabilityTitle":"Ishonchlilik birinchi o'rinda","ReliabilityPoint1":"Ikki bosqichli autentifikatsiya, shifrlash, xavflarni nazorat qilish.","ReliabilityPoint2":"Platforma regulyator va xalqaro talablar standartlariga mos keladi.","SupportTitle":"24/7 qo'llab-quvvatlash","SupportPoint1":"Onlayn chat, Telegram-bot, telefon â istalgan vaqtda.","SupportPoint2":"Haqiqiy yordam, avtomat emas.","AppTitle":"Qulay ilova va aqlli Telegram-bot","AppDescription":"Endi to'lov qilish yanada osonroq bo'ldi:","AppPoint1":"To'g'ridan-to'g'ri Telegramda to'lang â tez va xavfsiz","AppPoint2":"Bot burchak ostida olingan fotodan ham kartani tanib oladi","AppPoint3":"Qo'lda kiritish yo'q â shunchaki karta fotosini yuboring"},"slider":{"convenienceTitle":"Har bir harakatda qulaylik","slide1Title":"To'lovlar va o'tkazmalar â tez, qulay va ortiqcha qadamlarsiz","slide1Text":"Xonsaroy Pay yordamida siz atigi bir necha soniya ichida pul yuborishingiz va qabul qilishingiz mumkin. Kartalar, banklar va foydalanuvchilar o'rtasida â hammasi bir zumda, navbat va kutishlarsiz amalga oshadi.\n\nPlatforma barcha asosiy to'lov tizimlarini qo'llab-quvvatlaydi: Uzcard, Humo, Visa, Mastercard.\n\nKarta raqamini kiriting yoki qabul qiluvchini ro'yxatdan tanlang â va mablag'lar bir necha lahzada hisobga tushadi.\n\nHech qanday qiyinchiliklar, yashirin komissiyalar yo'q â faqat halol, tez va shaffof o'tkazmalar.\n\nXizmatdan kunning istalgan vaqtida, qayerda bo'lishingizdan qat'i nazar foydalanishingiz mumkin. Sizga kerak bo'ladigani â smartfoningiz xolos.","slide2Title":"To'lov â navbat va ortiqcha qadamlarsiz","slide2Text":"To'lovlarni bir necha soniya ichida amalga oshiring: mobil aloqa, internet, kommunal xizmatlar, jarimalar, bojxona, soliqlar va boshqalar â bittadan o'zingizni olish.\n\nIshonchli to'lovlar â faqat bir necha kesishish.\n\nKerakli xizmatlarni qo'shing, to'lovlarni kuzatib, to'lovlarni oldini oling.\n\nInterfeys oson va oson â to'lovni bir necha kesishish bilan amalga oshirishingiz mumkin.\n\nHech qanday kassa, qog'oz, kutishlar yo'q. Barcha â bitta joyda.","slide3Title":"Monitoring â har bir summa o'ziga xos","slide3Text":"Endi siz to'lovlarning qayeriga ketishini batafsil ko'rishingiz mumkin. Xizmatlar, transport, uy, pul o'tkazmalar, kommunal xizmatlar va boshqalar kategoriyalarida to'lovlarni kuzating. \n\nIlova avtomatik ravishda ma'lumotlarni to'plab, guruhlab ko'rsatadi â barcha ma'lumotlar tushunarli va o'ziga xos ko'rinishda ko'rsatiladi.\n\nSiz oylik to'lovlar summasini ko'rishingiz mumkin, shu jumladan har bir kategoriya va sanada.\n\nTo'lovlar monitoringi endi sizning hisobingizni boshqarishini osonroq qiladi. O'z hisobingizni o'ziga xos ravishda boshqarish â va siz o'z hisobingizni o'ziga xos ravishda boshqarishingiz mumkin."},"downloadApp":{"title":"To'lovni osonroq â ilova orqali","description":"Xonsaroy Pay ilovasini yuklab oling va to'lovni bir zumda amalga oshiring","downloadLinks":"Yuklab olish havolalari:"},"banner":{"welcomeTitle":"Xonsaroy Pay Business","welcomeMessage":"To'lovlarni sayt, Telegram, QR-kod yoki to'g'ridan-to'g'ri hisobingizga qabul qiling. Hammasi â bitta platformada.","businessSolutions":"Onlayn kassa va biznesingiz uchun to'lov yechimlari.","startButton":"Saytga o'tish","comingSoon":"Tez orada"},"footer":{"brand":"Xonsaroy \n Pay","supportTitle":"Qo'llab-quvvatlash xizmati","supp
29ortPhone":"+998 71 200 15 00","generalQuestions":"Umumiy savollar","supportEmail":"[email protected]","addressTitle":"Manzil","address":"Yuridik manzil: Toshkent shahri, Yunusobod tumani, 13-mavze, 72-uy","aboutServiceTitle":"Xizmat haqida","aboutCompany":"Kompaniya haqida","systemDescription":"Tizim tavsifi va imkoniyatlari","publicOffer":"Ommaviy oferta","offerForLegalEntities":"Namunaviy shartlar","contacts":"Aloqalar","helpTitle":"Yordam","userGuide":"Foydalanuvchi uchun qo'llanma","telegramBot":"Telegram-bot: @XonsaroyPayBot","privacyPolicy":"Maxfiylik siyosati","faq":"Tez-tez beriladigan savollar","partners":"Hamkorlar uchun","forDevelopers":"Dasturchilar uchun","appTitle":"Xonsaroy Pay App","appDescription":"iOS va Android smartfon egalari uchun mavjud","copyright":"AJ 'Xonsaroy Payments' © 2022-2025. Barcha huquqlar himoyalangan. O'zbekiston Respublikasi Markaziy banki litsenziyasi â45"},"modal":{"downloadAppTitle":"Ilovani yuklab olish","downloadAppDescription":"Xonsaroy Pay ilovasini yuklab oling va toâlovlaringizni qulay va xavfsiz boshqaring.","closeButtonAriaLabel":"Modal oynasini yopish","qrCodeAlt":"Ilova"},"FAQ":{"sectionTitle":"Tez-tez beriladigan savollar","sectionDescription":"Xonsaroy Pay haqida tez-tez beriladigan savollar","question1":"Xonsaroy Pay nima?","answer1":"Xonsaroy Pay - bu xizmatlar va tovarlarga onlayn tarzda tez, qulay va xavfsiz toâlovlarni amalga oshirish imkonini beruvchi zamonaviy toâlov tizimidir.","question2":"Xonsaroy Pay orqali toâlov qilish xavfsizmi?","answer2":"Ha, butunlay xavfsiz. Barcha operatsiyalar himoyalangan kanallar orqali amalga oshiriladi va Oâzbekiston Respublikasi Markaziy bankining xavfsizlik standartlariga javob beradi.","question3":"Toâlov amalga oshmasa-yu, pul yechib olinsa, nima qilish kerak?","answer3":"Xavotir olmang - bunday holatlar avtomatik ravishda qayta ishlanadi. Mablagâ 24 soat ichida qaytariladi. Agar pul qaytarilmasa, sana, summa va tranzaksiya raqamini koârsatgan holda mijozlarga yordam xizmatiga murojaat qiling.","question4":"Qanday xizmatlar uchun haq toâlash mumkin?","answer4":"Ilovadagi toâlov tizimi orqali mobil aloqa, YHXBB jarimalari, soliq va yigâimlar, davlat idoralari xizmatlari, shahar telefoniyasi, internet hamda boshqa koâplab xizmat va servislar uchun toâlovlarni tez, qulay va xavfsiz amalga oshirishingiz mumkin.","question5":"âMening uyimâ nima?","answer5":"Ilovadagi âMening uyimâ funksiyasi â bu balanslarni kuzatish, toâlovlarni amalga oshirish va kvitansiyalar hamda cheklarni saqlash uchun qulay servisdir. \nU orqali siz davlat va kommunal xizmatlar, internet, telefon va boshqa toâlovlarni tez va xavfsiz tarzda amalga oshirishingiz mumkin â har safar shaxsiy maâlumotlarni kiritish zaruratisiz.","question6":"Xonsaroy xonadonlari uchun muddatli toâlovni ilova orqali amalga oshirish mumkinmi?","answer6":"Ha, foydalanuvchilar Xonsaroy orqali xarid qilingan xonadonlar uchun muddatli toâlovlarni komissiyasiz va bankka bormasdan amalga oshirishlari mumkin. \nBarcha operatsiyalar onlayn tarzda, qulay, xavfsiz va bir necha bosqichda bajariladi. \nShuningdek, moslashuvchan toâlov jadvali va toâlovlar tarixi ham mavjud."},"PrivacyPolicy":{"pageTitle":"Maxfiylik siyosati","pageDescription":"Xonsaroy Pay maxfiylik siyosati haqida bilib oling. Biz shaxsiy ma'lumotlaringizni himoya qilish va ularning xavfsizligini ta'minlash haqida g'amxo'rlik qilamiz.","documentTitle":"MAXFIYLIK SIYOSATI AJ \"Xonsaroy Payments\"","documentIntro":"Ushbu Shaxsiy ma'lumotlar maxfiyligi siyosati (keyingi o'rinlarda â Siyosat) \"Xonsaroy Pay\" AJ (keyingi o'rinlarda â Xonsaroy Pay) tomonidan Foydalanuvchi haqida mobil ilova, veb-ilova, Telegram-bot, shuningdek Xonsaroy Pay tomonidan taqdim etiladigan har qanday boshqa dasturiy yechimlar, mahsulotlar va xizmatlar (keyingi o'rinlarda â Xonsaroy Pay Servislari) orqali foydalanish davomida olinadigan ma'lumotlarga nisbatan qo'llaniladi.","policyScope":"Ushbu Siyosat faqat Xonsaroy Pay Servislariga nisbatan qo'llaniladi. Xonsaroy Pay Foydalanuvchi Xonsaroy Pay Servislariga doirasida mavjud havolalar orqali o'tgan uchinchi tomon saytlar, servislar yoki ilovalar ustidan nazorat o'rnatmaydi va ular uchun, shuningdek, ushbu uchinchi shaxslar tomonidan amalga oshiriladigan shaxsiy ma'lumotlar bilan ishlov berish uchun j
29avobgar emas.","termsDefinition":"Ushbu Siyosatda ochib berilmagan barcha atama va ta'riflar Xonsaroy Pay Servislaridan foydalanish tartibini tartibga soluvchi boshqa bitimlar, ommaviy ofertalar va shartnomalarda belgilangan ma'nolarga ega.","agreement":"Xonsaroy Pay Servislaridan foydalanish â Foydalanuvchining ushbu Siyosatga va o'z shaxsiy ma'lumotlari bilan ishlov berish shartlariga so'zsiz roziligi sifatida qabul qilinadi. Agar Foydalanuvchi ushbu Siyosat qoidalariga rozi bo'lmasa, u Xonsaroy Pay Servislaridan foydalanishdan voz kechishi shart.","section1Title":"1. Foydalanuvchilarning shaxsiy ma'lumotlari, ularni \"Xonsaroy Payments\" AJ qabul qiladi va qayta ishlaydi","section1Intro":"1.1. Ushbu Siyosat doirasida Foydalanuvchining shaxsiy ma'lumotlariga quyidagilar kiradi:","section1Point1Title":"1.1.1. Foydalanuvchi tomonidan Xonsaroy Pay Servislaridan foydalanish jarayonida yoki ro'yxatdan o'tish vaqtida o'z ixtiyori bilan taqdim etilgan shaxsiy ma'lumotlar, shu jumladan Xonsaroy Pay va Foydalanuvchi o'rtasida tuzilgan har qanday shartnomalarni bajarish jarayonida taqdim etilgan ma'lumotlar. Mazkur ma'lumotlarning taqdim etilishi ayrim servislardan foydalanish uchun majburiy bo'lishi mumkin.","section1Point2Title":"1.1.2. Foydalanuvchi qurilmasida o'rnatilgan dasturiy ta'minot orqali Xonsaroy Pay Servislaridan foydalanish chog'ida avtomatik tarzda uzatiladigan ma'lumotlar, jumladan: IP-manzil, cookie-fayllardagi ma'lumotlar (Foydalanuvchi brauzerida saqlanadigan matnli fayllar), Foydalanuvchi brauzeri haqidagi ma'lumotlar (yoki Servislarga kirish uchun ishlatiladigan boshqa dastur), kirish vaqti, so'ralgan sahifaning manzili.","section1Point2SubTitle":"1.1.2.1. Foydalanuvchi Xonsaroy Pay mobil ilovasi, veb-versiyasi yoki Telegram-boti bilan o'zaro aloqada bo'lganida avtomatik tarzda quyidagi ma'lumotlar yig'iladi va qayta ishlanadi:","section1Point2List":"⢠sahifada bajarilgan harakat turi (klik, kursorni olib borish va hokazo);\n⢠harakat bajarilgan sana va vaqti;\n⢠tashrif buyurilgan sahifaning URL manzili;\n⢠oldingi manzil (Referer);\n⢠IP-manzil (statistika bo'yicha ishlov berishsiz);\n⢠User-Agent (brauzer va operatsion tizim haqida ma'lumot);\n⢠ClientID (cookie-fayl orqali brauzer identifikatori);\n⢠qurilma ekranining o'lchami;\n⢠bosilgan HTML-element sinfi;\n⢠qidiruv so'rovlari;\n⢠barcha to'lov tafsilotlari, yoqilgan/o'chirilgan funksiyalar;\n⢠geolokatsiya ma'lumotlari;\n⢠elektron pochta manzili;\n⢠Foydalanuvchining telefon kontaktlari ma'lumotlari;\n⢠Xonsaroy Pay interfeysida ko'rilgan ma'lumotlar;\n⢠forma/murojaatlarni to'ldirish holatlari, jumladan xatoliklar.","section1Point2Sub2Title":"1.1.2.2. Xonsaroy Pay servislaridan foydalanish orqali Foydalanuvchi Xonsaroy Pay statistik ma'lumotlar va cookie-fayllardan foydalanishi, ularni qayta ishlash tizimlariga uzatishi hamda ushbu ma'lumotlarni uchinchi shaxslarga tadqiqot, xizmat ko'rsatish yoki ish bajarish uchun berishiga rozilik bildiradi. Cookie-fayllarni Foydalanuvchi o'z brauzeri sozlamalari orqali boshqarishi mumkin. Cookie-fayllarni o'chirish ba'zi servis komponentlarining ishlamasligiga olib kelishi mumkin.","section1Point3Title":"1.1.3. Foydalanuvchi uchinchi tomon platformalaridan (masalan, chatlar, ijtimoiy tarmoqlar) foydalanganda umumiy foydalanishdagi ma'lumotlar olinishi mumkin. Ushbu ma'lumotlar, jumladan sharhlar va fikrlar, xizmat sifatini yaxshilash maqsadida ishlatiladi.","section1Point4Title":"1.1.4. Xonsaroy Pay ayrim ma'lumotlarni (masalan, IP-manzil, qurilma identifikatori) qonunchilik va Siyosat talablariga zid harakatlarni aniqlash va/yoki oldini olish maqsadida qayta ishlashi mumkin.","section1Point5Title":"1.1.5. Xonsaroy Pay Foydalanuvchi haqida kontragentlardan yoki Hamkorlardan ma'lumot olishi mumkin. Masalan, pul o'tkazmalarini identifikatsiya qilish uchun kontragent Xonsaroy Payga ma'lumot yuborishi mumkin.","section1Point6Title":"1.1.6. Onlayn to'lovlarning xavfsizligini ta'minlash maqsadida Xonsaroy Pay bank kartalari orqali amalga oshirilgan operatsiyalar haqida ma'lumot ol
29ishi mumkin. Ushbu ma'lumotlar 3.3.2.1-bandda ko'rsatilgan.","section2Title":"2. Foydalanuvchilarning shaxsiy ma'lumotlarini yig'ish va qayta ishlash maqsadlari","section2Intro":"2.1. Xonsaroy Pay faqat Xonsaroy Pay Servislarini taqdim etish yoki Foydalanuvchi bilan tuzilgan bitimlarni bajarish uchun zarur bo'lgan shaxsiy ma'lumotlarni yig'adi va saqlaydi, bundan mustasno holatlar â qonunchilikka muvofiq ma'lum shaxsiy ma'lumotlarni majburiy yig'ish va saqlash talab etiladigan holatlardir.","section2Intro2":"Shaxsiy ma'lumotlar faqat ularni qayta ishlash maqsadlari uchun zarur bo'lgan muddatda saqlanadi, agar bunday muddat O'zbekiston Respublikasi qonunchiligi yoki Foydalanuvchining Xonsaroy Pay Servislaridan foydalanish Siyosati bilan belgilanmagan bo'lsa.","section2Point1Title":"2.2. Foydalanuvchining shaxsiy ma'lumotlari quyidagi maqsadlarda ishlatilishi mumkin:","section2Point1":"2.2.1. Foydalanuvchini identifikatsiya qilish, ro'yxatdan o'tkazish va Xonsaroy Pay Servislarining barcha funksiyalaridan (shu jumladan to'lovlar, o'tkazmalar, operatsiyalar tarixi va boshqalar) foydalanish imkoniyatini ta'minlash;","section2Point2":"2.2.2. Foydalanuvchi bilan aloqa o'rnatish â bildirishnomalar, xabarlar, texnik ma'lumotlar yuborish, texnik yordamga yuborilgan murojaatlarga javob qaytarish;","section2Point3":"2.2.3. Ilova va veb-servis sifatini yaxshilash, yangi funksiyalarni ishlab chiqish, interfeys va kontentni shaxsiylashtirish;","section2Point4":"2.2.4. Ichki tahlil, statistika va texnik monitoringni anonimlashtirilgan ma'lumotlar asosida olib borish;","section2Point5":"2.2.5. Foydalanuvchining roziligi asosida marketing tadbirlarida ishtirok etishi, shu jumladan aksiyalar, bonuslar, yuboriladigan xabarlar, reklama takliflari (Xonsaroy Pay va uning hamkorlari tomonidan);","section2Point6":"2.2.6. Axborot xavfsizligini ta'minlash, firibgarlikning oldini olish va qonunchilik talablariga rioya qilish (shu jumladan AML/CFT va ma'lumotlarni himoya qilish qoidalari).","section3Title":"3. Foydalanuvchining shaxsiy maʼlumotlarini qayta ishlash va uchinchi shaxslarga uzatish shartlari","section3Point1":"3.1. Xonsaroy Pay Foydalanuvchining shaxsiy maʼlumotlarini ushbu Siyosatga, Servislarni taqdim etish shartlariga va Kompaniyaning ichki reglamentlariga muvofiq qayta ishlaydi.","section3Point2":"3.2. Xonsaroy Pay Foydalanuvchining shaxsiy maʼlumotlarining maxfiyligini taʼminlaydi hamda ularni himoya qilish uchun zarur bo'lgan huquqiy, tashkiliy va texnik choralarni ko'radi.","section3Point3Title":"3.3. Foydalanuvchining shaxsiy maʼlumotlarini uchinchi shaxslarga uzatishga quyidagi hollarda yo'l qo'yiladi:","section3Point3_1":"3.3.1. Foydalanuvchi bunday uzatishga o'z roziligini bergan hollarda;","section3Point3_2Title":"3.3.2. Xonsaroy Payments'ning ma'lum bir Servisidan yoki hamkor servisidan foydalanish uchun, shu jumladan Foydalanuvchining topshirig'ini bajarish maqsadida uzatish zarur bo'lgan hollarda. Jumladan, quyidagi toifalardagi uchinchi shaxslarga shaxsiy maʼlumotlar uzatilishi mumkin:","section3Point3_2_1Title":"3.3.2.1. Kredit tashkilotlari va pul o'tkazmalari jarayonida ishtirok etuvchi boshqa tashkilotlar. Masalan, bank kartalari orqali amalga oshiriladigan onlayn to'lovlarning xavfsizligini taʼminlash maqsadida, Xonsaroy Payments to'lov tizimlarining xavfsizlik protokollari bilan belgilanadigan maʼlumotlarni ekvayer/emitter banklarga va to'lov tizimlariga uzatishi mumkin. Bunday uzatish majburiy xarakterga ega bo'lishi mumkin (masalan: IP-manzil, operatsion tizim, geolokatsiya, qurilma ID/turi, ishlatilayotgan kanal â brauzer yoki ilova, to'lov avtorizatsiyasi, identifikatsiya/ verifikatsiya) yoki ixtiyoriy bo'lishi mumkin (masalan: manzil moslik indikatorlari, xizmat provayderi tizimidagi akkaunt haqidagi maʼlumotlar, elektron pochta manzili, mobil telefon raqami, to'lov summasi, risk darajasi va boshqalar).","section3Point3_3":"3.3.3. Agar Foydalanuvchi maʼlumotni o'zi oshkor qilgan bo'lsa (masalan, chatda yoki forumdagi ochiq xabarlarda), bu maʼlumot ommaviy hisoblanadi va Foydalanuvchi bunday joylashtirish oqibatlari uchun j
29avobgar bo'ladi.","section3Point3_4":"3.3.4. Xonsaroy Pay ustidan nazorat boshqa tomonlarga o'tganda (masalan, sotilish yoki qayta tashkil etilish holatida), shaxsiy maʼlumotlarni himoya qilish bo'yicha barcha majburiyatlar huquqiy vorisga o'tadi.","section3Point3_5":"3.3.5. Agar uzatish O'zbekiston Respublikasi qonunchiligi bilan belgilangan bo'lsa yoki qonuniy talablarni bajarish uchun zarur bo'lsa.","section3Point3_6":"3.3.6. Agar Xonsaroy Pay Foydalanuvchi shartnomalar yoki qonun hujjatlari shartlarini buzgan deb asosli ravishda hisoblashga asosga ega bo'lsa va ushbu uzatish Kompaniyaning yoki uchinchi shaxslarning huquq va manfaatlarini himoya qilish uchun zarur bo'lsa.","section3Point4":"3.4. Xonsaroy Pay hamkorlarga foydalanuvchini aniqlash imkonini bermaydigan, anonimlashtirilgan va umumlashtirilgan maʼlumotlarni tahlil, statistika, yangi funksiyalarni ishlab chiqish va xizmat ko'rsatish sifatini yaxshilash maqsadlarida taqdim etishi mumkin.","section3Point5":"3.5. Shaxsiy maʼlumotlarni qayta ishlash O'zbekiston Respublikasining \"Shaxsiy ma'lumotlar to'g'risida\"gi Qonuni hamda boshqa amaldagi me'yoriy-huquqiy hujjatlarga muvofiq amalga oshiriladi.","section4Title":"4. Foydalanuvchi tomonidan shaxsiy ma'lumotlarni o'zgartirish va o'chirish, shuningdek ularga kirish huquqi","section4Point1":"4.1. Foydalanuvchiga ilgari taqdim etilgan shaxsiy ma'lumotlarini Xonsaroy Pay Servislari funksiyasi orqali (mobil ilova, Telegram-bot yoki veb-versiyada tegishli sozlamalar mavjud bo'lsa) o'zgartirish (yangilash, to'ldirish) yoki o'chirish imkoniyati beriladi.","section4Point1_1":"4.1.1. Foydalanuvchi shaxsiy ma'lumotlarni qayta ishlashga roziligini bekor qilish huquqiga ega. Buning uchun u yozma ko'rinishda ariza yuborishi lozim: [email protected].","section4Point1_2":"4.1.2. Amaldagi qonunchilik doirasida Xonsaroy Pay foydalanuvchining shaxsiy ma'lumotlari oshkor etilgan uchinchi shaxslarga ular o'zgartirilgani yoki o'chirilgani haqida xabar beradi, bundan mustasno â agar bu imkonsiz bo'lsa yoki haddan tashqari harakatlarni talab qilsa.","section4Point2":"4.2. O'zbekiston Respublikasi qonunchiligida belgilangan ayrim hollarda, Xonsaroy Pay foydalanuvchining hisob qaydnomasini o'chirganidan yoki roziligini qaytarib olganidan so'ng ham shaxsiy ma'lumotlarni saqlash majburiyatiga ega bo'lishi mumkin. Bunday holatlarda saqlash faqat qonunchilik talablari doirasida amalga oshiriladi.","section4Point3":"4.3. Xonsaroy Pay pullik xizmatlaridan foydalanganlik uchun mablag' yechib olish faqat foydalanuvchining bank kartasida yetarli mablag' mavjud bo'lsa amalga oshiriladi. Agar karta balansida xizmat qiymatiga teng mablag' bo'lmasa, xizmat uchun yechib olish amalga oshirilmaydi.","section4Point3_1Title":"4.3.1. Amaldagi qonunchilikka muvofiq, foydalanuvchi Xonsaroy Pay'dan quyidagi shaxsiy ma'lumotlar qayta ishlanayotganligi haqidagi ma'lumotlarni so'rash huquqiga ega:","section4Point3_1":"(a) qayta ishlash maqsadlari;\n(b) qayta ishlanayotgan ma'lumotlar toifalari;\n(c) ma'lumotlar taqdim etilgan yoki taqdim etilishi mumkin bo'lgan qabul qiluvchilar toifalari;\n(d) saqlash muddati yoki uni aniqlash mezonlari;\n(e) qonunchilikda belgilangan boshqa ma'lumotlar.","section4Point3_1_1":"4.3.1.1. Agar ushbu funksiyalar servis (ilova, bot yoki sayt) interfeysida mavjud bo'lmasa, Xonsaroy Pay ushbu ma'lumotlarni foydalanuvchini identifikatsiya qilish mumkin bo'lgan boshqa shaklda yoki yozma tarzda taqdim etishi mumkin.","section4Point3_1_2":"4.3.1.2. Agar ariza yuboruvchining shaxsiga shubha tug'ilsa, Xonsaroy Pay foydalanuvchining shaxsini tasdiqlovchi qo'shimcha ma'lumotlarni talab qilish huquqiga ega.","section4Point3_1_3":"4.3.1.3. So'rov 30 kun ichida ko'rib chiqiladi. Zarurat tug'ilganda ushbu muddat 60 kungacha uzaytirilishi mumkin â foydalanuvchini sabablar haqida xabardor qilgan holda.","section4Point3_1_4":"4.3.1.4. Agar so'rov asossiz yoki haddan tashqari deb topilsa, Xonsaroy Pay ushbu so'rovni ko'rib chiqish uchun oqilona ma'muriy to'lov undirishga yoki ma'lumot taqdim etishni rad etishga haqli.","section4Point3_1_5":"4.3.1.5. Agar qonunchilik ruxsat bersa, foydalanuvchi Xonsaroy Pay'dan olgan shaxsiy ma'lumotlarni uchinchi shaxsga (boshqa ma'lumot nazoratchisiga) uzatish huquqiga ega.","section4Point4Title":"4.4. E'tiroz bildirish huquqi","section4Point4_1":"4.4.1. Foydalanuvchi ilgari taqdim etilgan shaxsiy ma'lumotlarini qayta ishlashga bo'lgan roziligini qaytarib olish yoki bu qayta ishlashga e'tiroz bildirish huquqiga ega (agar bu qonunchilik bilan ruxsat etilgan bo'lsa
29). Rozilikni bekor qilish ayrim Xonsaroy Pay Servislaridan foydalanishni imkonsiz qilishi mumkin.","section4Point4_2":"4.4.2. Foydalanuvchi, agar shaxsiy ma'lumotlarini qayta ishlashda uning huquqlari buzilgan deb hisoblasa, shaxsiy ma'lumotlarni himoya qilish bo'yicha vakolatli davlat organiga shikoyat qilish huquqiga ega.","section5Title":"5. Mijozlarning shaxsiy ma'lumotlarini himoya qilish bo'yicha choralar","section5Point1":"5.1. Xonsaroy Pay foydalanuvchilarning shaxsiy ma'lumotlari xavfsizligini ta'minlash, ularni noqonuniy yoki tasodifiy kirish, yo'q qilish, o'zgartirish, bloklash, nusxalash, tarqatish hamda uchinchi shaxslar tomonidan boshqa noqonuniy harakatlardan himoya qilish uchun zaruriy huquqiy, tashkiliy va texnik choralarni ko'radi.","section5Point2":"5.2. Shaxsiy ma'lumotlarni qayta ishlash va himoya qilish O'zbekiston Respublikasining \"Shaxsiy ma'lumotlar to'g'risida\"gi Qonuni (ZRU-547, 2025-yil 4-iyul) hamda axborot xavfsizligi sohasidagi boshqa amaldagi normativ-huquqiy hujjatlar asosida amalga oshiriladi.","section5Point3":"5.3. Xonsaroy Pay barcha qayta ishlanayotgan shaxsiy ma'lumotlar bo'yicha maxfiylik tartibini belgilaydi va ushbu tartibga rioya etilishini nazorat qiladi. Shuningdek, qonunchilik va Xonsaroy Pay'ning me'yoriy hujjatlari talablarini inobatga olgan holda, qo'shimcha himoyani ta'minlovchi ichki standartlar va protseduralar joriy etilgan.","section6Title":"6. Maxfiylik siyosatini o'zgartirish. Qo'llaniladigan qonunchilik","section6Point1":"6.1. Xonsaroy Pay ushbu Siyosatni bir tomonlama tartibda o'zgartirish yoki to'ldirish huquqiga ega. Yangilangan tahriri rasmiy veb-saytda â https://xonsaroypay.uz â e'lon qilinadi va agar yangi tahrirda boshqacha ko'rsatilmagan bo'lsa, e'lon qilingan paytdan kuchga kiradi. Bunday o'zgarishlardan keyin Xizmatdan foydalanish foydalanuvchining Siyosatning yangi tahririga roziligi sifatida baholanadi.","section6Point2":"6.2. Ushbu Siyosatga va uning qo'llanilishi bilan bog'liq munosabatlarga O'zbekiston Respublikasi qonunchiligi, shu jumladan, shaxsiy ma'lumotlarni himoya qilish sohasidagi normativ-huquqiy hujjatlar qo'llaniladi.","section7Title":"7. Foydalanuvchilar bilan shaxsiy ma'lumotlarni qayta ishlash masalalari bo'yicha o'zaro aloqa","section7Point1":"7.1. Shaxsiy ma'lumotlarni qayta ishlash bilan bog'liq barcha savollar, takliflar va murojaatlar quyidagi elektron pochta manziliga yuborilishi mumkin: [email protected].","section7Point2":"7.2. Xonsaroy Pay ushbu Siyosat bandlariga tegishli bo'lmagan so'rovlarga javob bermaslik huquqini saqlab qoladi. Biroq, Foydalanuvchi boshqa savollarni Xonsaroy Pay saytida \"Aloqa\" bo'limida ko'rsatilgan manzilga yuborish huquqiga ega.","documentFooter":"\"30\" iyul 2025 yildan kuchga kiruvchi versiya Toshkent sh.","downloadTitle":"Hujjatlarni yuklab olish","privacyPolicyUzTitle":"Maxfiylik siyosati (o'zbekcha)","privacyPolicyRuTitle":"Maxfiylik siyosati (ruscha)","privacyPolicyEnTitle":"Maxfiylik siyosati (inglizcha)","contactTitle":"Aloqa","contactDescription":"Agar maxfiylik siyosati haqida savollaringiz bo'lsa, biz bilan bog'laning:","supportPhone":"Qo'llab-quvvatlash telefoni","supportEmail":"Elektron pochta"},"PublicOffer":{"pageTitle":"Ommaviy oferta","pageDescription":"Xonsaroy Pay ommaviy ofertasi haqida bilib oling. To'lov xizmatlari shartlari va shartnoma tuzish shartlari haqida ma'lumot oling.","documentTitle":"Ommaviy oferta\n(\"Xonsaroy Payments\" AJ tomonidan to'lov xizmatlarini ko'rsatish bo'yicha ommaviy oferta)","documentSubtitle":"«Mazkur Oferta, Xonsaroy Pay to'lov xizmatidan foydalanish shartlarini tartibga soluvchi Foydalanuvchi bitimi hisoblanadi.»","documentIntro":"Toshkent shahri, «30» iyul 2025 yil","serviceDescription":"Ushbu Ommaviy oferta (keyingi o'rinlarda â \"Oferta\") â \"Xonsaroy Payments\" AJ tomonidan O'zbekiston Respublikasi qonunchiligiga muvofiq to'lov xizmatlarini amalga oshirish huquqiga ega to'lov tashkiloti sifatida jismoniy shaxslarga qaratilgan rasmiy taklifdir.","acceptance":"\"Xonsaroy Payments\" AJ Xonsaroy Pay savdo belgisi ostida quyidagi to'lov xizmatlarini taqdim etadi: to'lovlarni qabul qilish va qayta ishlash, pul mablag'larini o'tkazish, shuningdek O'zbekiston Re
29spublikasining \"To'lovlar va to'lov tizimlari to'g'risida\"gi Qonuniga zid bo'lmagan boshqa xizmatlar (keyingi o'rinlarda â \"Xizmat operatori\" yoki \"Operator\").\nFoydalanuvchi tomonidan ushbu Oferatada ko'rsatilgan harakatlar (shu jumladan, lekin ular bilan cheklanmagan holda: mobil ilova, Telegram-bot yoki Xonsaroy Pay veb-saytida ro'yxatdan o'tish, birinchi tranzaksiyani amalga oshirish) bajarilishi ushbu Oferta shartlariga so'zsiz rozilik (aksept) bo'lib, mazkur Oferta asosida to'lov xizmatlarini ko'rsatish bo'yicha Shartnoma tuzilganligini bildiradi.","section1Title":"1. Atamalar va ta'riflar","paymentService":"Xonsaroy Pay to'lov xizmati â foydalanuvchiga onlayn rejimda savdo-xizmat korxonalariga (keyingi o'rinlarda â SXK) tovarlar va xizmatlar (ishlar) uchun to'lovlarni amalga oshirish, o'z bank kartalarini boshqarish, bank kartalari orqali pul o'tkazmalarini bajarish hamda xizmat funksionalida nazarda tutilgan boshqa harakatlarni amalga oshirish imkonini beruvchi to'lov xizmati.","user":"Foydalanuvchi â huquqiy layoqatga ega bo'lgan, EMV bank kartasi egasi bo'lgan jismoniy shaxs.","bankCard":"Bank kartasi â O'zbekiston Respublikasi hududida bank tomonidan chiqarilgan va Xonsaroy Pay to'lov xizmatida ro'yxatdan o'tgan, onlayn ishlaydigan to'lov vositasi.","personalData":"Shaxsiy ma'lumotlar â aniqlangan yoki aniqlanishi mumkin bo'lgan jismoniy shaxsga oid, Foydalanuvchi tomonidan Xizmatdan foydalanish maqsadida taqdim etilgan ma'lumotlar.","dataProcessing":"Shaxsiy ma'lumotlarni qayta ishlash â shaxsiy ma'lumotlar ustida amalga oshiriladigan (yoki amalga oshirilishi mumkin bo'lgan) har qanday harakatlar majmuasi, shu jumladan ularni yig'ish, tizimlashtirish, saqlash, o'zgartirish, to'ldirish, ulardan foydalanish, taqdim etish, tarqatish, uzatish, shifrlash, bloklash yoki yo'q qilish.","identification":"Identifikatsiya â Foydalanuvchining shaxsini aniqlash jarayoni bo'lib, uning tomonidan taqdim etilgan ma'lumotlarga asoslangan holda Operator tomonidan Xizmat funksionalligi va O'zbekiston Respublikasi qonunchiligiga muvofiq dasturiy va tashkiliy-huquqiy vositalar orqali amalga oshiriladi.","identificationDetails":"Identifikatsiya quyidagilarni o'z ichiga olishi mumkin: shaxsiy ma'lumotlarni kiritish, shaxsni tasdiqlovchi hujjatlarni yuklash va Xizmatning ayrim xizmatlaridan foydalanish uchun zarur bo'lgan boshqa autentifikatsiya vositalarini qo'llash.","section2Title":"2. Aksept tartibi","section2Point1":"2.1. Mazkur Ommaviy ofertani aksept qilish â Foydalanuvchining Xonsaroy Pay to'lov xizmatida ro'yxatdan o'tishi orqali amalga oshiriladi. To'lov xizmati iOS, Android platformalarida, shuningdek www.xonsaroypay.uz veb-sayti orqali mavjud.","section2Point2":"2.2. Ushbu Shartnomani tuzgan holda, Foydalanuvchi \"Xonsaroy Payments\" AJga, O'zbekiston Respublikasining shaxsiy ma'lumotlar to'g'risidagi qonunchiligiga muvofiq, o'z shaxsiy ma'lumotlarini (shu jumladan, ammo cheklanmagan holda: to'lov ma'lumotlari, mobil telefon raqami, bank kartalari raqamlari, F.I.SH., ro'yxatga olish ma'lumotlari, shuningdek Xonsaroy Pay to'lov xizmatidan foydalanish uchun zarur bo'lgan boshqa shaxsiy ma'lumotlar) quyidagi harakatlar orqali qayta ishlashga doimiy rozilik beradi: yig'ish, yozib olish, tizimlashtirish, jamg'arish, saqlash, aniqlashtirish (yangilash, o'zgartirish), ajratib olish, foydalanish, uzatish (tarqatish, taqdim etish, kirish huquqini berish), shifrlash, bloklash, o'chirish, yo'q qilish â avtomatlashtirilgan vositalar yordamida yoki ularsiz, ushbu Shartnomani bajarish maqsadida. Foydalanuvchi, shuningdek, \"Xonsaroy Payments\" AJga ushbu Shartnoma doirasida taqdim etilgan barcha shaxsiy ma'lumotlarni uchinchi shaxslarga uzatishga ham rozilik beradi.","section2Point3":"2.3. \"Xonsaroy Payments\" AJ Foydalanuvchining shaxsiy ma'lumotlarini qonunchilik talablariga va Shaxsiy ma'lumotlarning maxfiyligi siyosatiga muvofiq ravishda himoya qilish uchun barcha zarur choralarni ko'rishga kafolat beradi. Foydalanuvchining shaxsiy ma'lumotlarini qayta ishlash (shu jumladan, uchinchi shaxslarga uzatish) bo'yicha roziligi doimiy hisoblanadi, biroq Foydalanuvchi mazkur rozilikni istalgan vaqtda, mazkur Shartnomaning 6.3-bandiga muvofiq, bekor qilish huquqiga ega.","section2Point4":"2.4. Ushbu Ofertani aksept qilish (Shartnomani tuzish) orqali Foydalanuvchi \"Xonsaroy Payments\" AJ tomonidan uchinchi shaxslar (tashkilotlar) tomonidan taqdim etilayotgan xizmatlardan foydalanishda shaxsini tekshirish va identifikatsiyadan o'tkazishga rozilik bildiradi â bunday tekshiruvlar, ushbu tashkilotlarning qoidalari, ko'rsatmalari va ichki me'yoriy hujjatlariga muvofiq, zarur bo'lgan hollarda amalga oshiriladi.","section2Point5":"2.5. Foydalanuvchi shuni qabul qiladi: Xonsaroy Pay foydalanuvchining veb-brauzerini Xizmatdagi hisob ma'lumotlariga bog'lash va keyingi tashriflarda uni tanib ol
29ish uchun cookies texnologiyasi va boshqa maxsus texnologiyalardan foydalanadi. Bu texnologiyalar, Xizmatga ulangan Qabul qiluvchilar (savdogarlar) saytlariga murojaat qilganda ham qo'llaniladi.","section2Point6":"2.6. \"Xonsaroy Pay\" Xizmatidan foydalanishni boshlashdan oldin, ushbu Ommaviy oferta matni bilan to'liq tanishib chiqishingiz zarur. Agar Oferta shartlariga (to'liq yoki qisman) rozi bo'lmasangiz, Xizmatdan foydalanishni boshlamasligingiz tavsiya etiladi.","section3Title":"3. Shartnoma predmeti","section3Point1":"3.1. Xonsaroy Pay EMV plastik kartalari foydalanuvchilariga quyidagi imkoniyatlarni taqdim etadi: tovarlar va xizmatlar (ishlar) uchun onlayn to'lovlarni amalga oshirish, bank kartalarini boshqarish, onlayn rejimda pul mablag'larini yuborish/qabul qilish hamda to'lov xizmati funksionalida nazarda tutilgan boshqa operatsiyalarni bajarish.","section3Point2":"3.2. Xonsaroy Pay to'lov xizmatida ayrim xizmatlar pullik asosda taqdim etilishi mumkin. Bunday xizmatlar faqatgina Foydalanuvchi tomonidan, ularning ta'rifi, foydalanish shartlari va narxi ko'rsatilgan alohida ommaviy ofertani o'qib chiqqandan so'ng, mustaqil tarzda faollashtiriladi.","section3Point3Title":"3.3. Foydalanuvchi tomonidan Xonsaroy Pay'ga taqdim etilgan shaxsiy ma'lumotlar quyidagi maqsadlarda qayta ishlanadi:","section3Point3":"Xonsaroy Pay tomonidan Foydalanuvchi bilan tuzilgan shartnomalar/yakunlangan kelishuvlar doirasida o'z majburiyatlarini lozim darajada bajarish, shuningdek Xonsaroy Pay'ning Hamkorlari bilan tuzilgan bitimlar asosida Foydalanuvchini identifikatsiyalash yoki soddalashtirilgan identifikatsiyani amalga oshirish, Foydalanuvchiga \"Xonsaroy Pay\" tizimidagi barcha mavjud xizmatlardan foydalanish imkoniyatini taqdim etish; Kommunikatsiyalar. Foydalanuvchi bilan aloqa o'rnatish, shu jumladan Xonsaroy Pay xizmatlaridan foydalanish yoki xizmat ko'rsatish bilan bog'liq bildirishnomalar, so'rovlar va ma'lumotlarni yuborish, shuningdek, Foydalanuvchidan kelib tushgan so'rov va arizalarni qayta ishlash, ularni Xonsaroy Pay hamkorlariga/kontragentlariga bajarish uchun yuborish; Xizmatlar sifatini oshirish. Xonsaroy Pay xizmatlarining sifatini, ulardan foydalanish qulayligini oshirish, yangi xizmatlarni ishlab chiqish, Foydalanuvchiga shaxsiylashtirilgan xizmatlarni taklif etish; Statistik va boshqa tahliliy tadqiqotlarni o'tkazish, jumladan shaxsiy bo'lmagan ma'lumotlar asosida; Marketing tadbirlarini o'tkazish, shu jumladan Xonsaroy Pay va uning hamkorlari tomonidan tashkil etilgan aksiyalarda ishtirok etish takliflarini yuborish hamda aksiya doirasida taqdim etiladigan sovg'a/yutuqlarni olish; Reklama va axborot materiallarini telekommunikatsiya tarmoqlari orqali tarqatish, shu jumladan telefon, faks, mobil aloqa orqali yoki bevosita aloqa shaklida; Reklama materiallarini va boshqa axborotni Foydalanuvchiga yo'naltirish (targeting); Xonsaroy Pay to'lov xizmati orqali qonunchilikka yoki tuzilgan shartnomalarga zid harakatlarni amalga oshirish ehtimolini oldini olish.","section3Point4":"3.4. \"Xonsaroy Pay\" to'lov xizmati interfeysida \"o'tkazish\", \"to'lash\" va shu kabi tugmalarni bosish Foydalanuvchining O'zbekiston Respublikasi \"To'lovlar va to'lov tizimlari to'g'risida\"gi Qonuniga muvofiq ravishda topshirig'i hisoblanadi, va Xizmat interfeysida ko'rsatilgan miqdorda Xonsaroy Payments AJ foydasiga mablag' yechib olinishi bilan bog'liq roziligini bildiradi.","section3Point5":"3.5. Xonsaroy Payments AJ Foydalanuvchining topshirig'iga muvofiq \"Xonsaroy Pay\" to'lov xizmatida ba'zi tovarlar, ishlar yoki xizmatlar uchun davriy (rekurrent) avtomatik to'lovlarni amalga oshirish xizmatini yoqish huquqiga ega. Bunday hollarda, xizmatni yoqish (interfeysdagi mos tugmani bosish orqali) O'zbekiston Respublikasi \"To'lovlar va to'lov tizimlari to'g'risida\"gi Qonuniga muvofiq Foydalanuvchining tanlagan yetkazib beruvchiga, Foydalanuvchi belgilagan sanada yoki oyning oxirgi kunida, yoki muayyan hodisa yuz berganda (masalan, balans ma'lum miqdordan pastga tushganda) kelgusida (davriy) mablag'larni yechib olish uchun topshirig'i hisoblanadi.","section3Point6":"3.6. Foydalanuvchi 3.5-bandda ko'rsatilgan avtomatik to'lov xizmatini \"Xonsaroy Pay\" to'lov xizmati interfeysida mos tugmalarni bosish orqali istalgan vaqtda o'chirib qo'yishi mumkin.","section4Title":"4. Tomonlarning majburiyatlari","section4Point1":"4.1. Xonsaroy Pay \"Xonsaroy Pay\" To'lov xizmatining uzluksiz ishlashini ta'minlash majburiyatini oladi, bundan mustasno â agar xizmatdagi uzilishlar uchinchi shaxslarning aybi bilan yuz bersa; shaxsiy ma'lumotlarning yaxlitligi va saqlanishini, ularning maxfiyligini ta'minlaydigan, shuningdek, shaxsiy ma'lumotlarning noqonuniy qayta ishlanishining oldini oladigan huquqiy, tashkiliy va texnik choralarni ko'rish majburiyatini oladi; \"Xonsaroy Pay\" yangiliklari, Xonsaroy Payments hamkorlari (ular tovarlar va xizmatlar/ishlar yetkazib beruvchilari bo'lib, ularga to'lovlar To'lov xizmatida amalga oshirilishi mumkin) haqida, shuningdek To'lov xizmatiga kiritilayotgan o'zgarish va yangilanishlar haqida Foydalanuvchini o'z vaqtida xabardor qilish majburiyatini oladi.","section4Point1Rights":"Xonsaroy Pay Foydalanuvchini identifikatsiya qilish va tekshirish, shuningdek, Foydalanuvchi tomonidan amalga oshirilayotgan operatsiyalarni qonunchilikka muvofiq tekshirish maqsadida, jinoyat yo'li bilan olingan daromadlarni legallashtirish, terrorizmni moliyalashtirish va ommaviy qirg'in qurollarini tarqatishni moliyalashtirishga qarshi kurashish bo'yicha O'zbekiston Re
29spublikasi qonunchiligiga muvofiqligini ta'minlash uchun Foydalanuvchidan ma'lumot talab qilish huquqiga ega. Xonsaroy Pay Foydalanuvchi tomonidan operatsiyalarni amalga oshirishda foydalanilgan pul mablag'lari manbalari to'g'risidagi ma'lumotlarni so'rash huquqiga ega.","section4Point2":"4.2. Foydalanuvchi ushbu Ommaviy oferta talablariga rioya qilish majburiyatini oladi; Xizmatdan foydalanish uchun kirish amalga oshiriladigan qurilmaning axborot xavfsizligini mustaqil ravishda ta'minlash majburiyatini oladi; \"Xonsaroy Pay\" xizmatidan foydalanar ekan, o'zining muomalaga layoqatli ekanligini tasdiqlaydi va kafolatlaydi, shuningdek ushbu xizmatdan firibgarlik va boshqa noqonuniy maqsadlarda foydalanmasligini kafolatlaydi; ushbu Shartnoma bo'yicha o'zining huquq va majburiyatlarini uchinchi shaxslarga Xonsaroy Paymentsning yozma roziligisiz o'tkazishga haqli emas. Bunday harakatlarga urinish haqiqiy emas deb hisoblanadi.","section4Point2Responsibility":"Foydalanuvchi \"Xonsaroy Pay\" To'lov xizmatidagi shaxsiy hisobiga uchinchi shaxslar tomonidan kirish imkoniyatini taqdim etish, jumladan amalga oshirilgan operatsiyalarni tasdiqlovchi kodlar, mobil telefon raqami, bank kartalarining raqamlari va amal qilish muddatlari kabi ma'lumotlarni ularga uzatish bilan bog'liq barcha javobgarlikni o'z zimmasiga oladi.","section4Point3":"4.3. Xonsaroy Payments ushbu Ommaviy ofertaga o'zgartirishlarni bir tomonlama tartibda kiritish huquqiga ega, bu haqda Foydalanuvchini quyidagi usullardan biri yoki bir nechtasi orqali xabardor qiladi:","section4Point3List":"⢠www.xonsaroypay.uz saytida;\n⢠ijtimoiy tarmoqlardagi sahifalarida;\n⢠To'lov xizmati interfeysida joylashtirilgan axborot xabarlari orqali;\n⢠SMS va push-bildirishnomalar orqali.","section5Title":"5. Tomonlarning javobgarligi","section5Point1":"5.1. Tomonlar ushbu Shartnoma shartlarini bajarmagan yoki lozim darajada bajarmagan taqdirda O'zbekiston Respublikasi qonunchiligiga muvofiq javobgarlikka tortiladi.","section5Point2":"5.2. Foydalanuvchi ushbu Shartnoma bo'yicha o'z majburiyatlarini bajarmasligi yoki lozim darajada bajarmasligi natijasida yuzaga kelgan har qanday zarar yoki salbiy oqibatlar uchun javobgarlikni o'z zimmasiga oladi.","section5Point3":"5.3. Foydalanuvchi shaxsiy ma'lumotlarini kiritishda ularning saqlanishi uchun to'liq javobgardir, ayniqsa, agar qurilmada himoyalanmagan ulanishlar mavjud bo'lsa yoki zararli dastur va ilovalar tahdidi ostida bo'lsa.","section5Point4":"5.4. Agar Shartnoma shartlarining lozim darajada bajarilmasligi Foydalanuvchining o'z majburiyatlarini bajarmaganligi oqibati bo'lsa, Xonsaroy Pay bu uchun javobgar hisoblanmaydi.","section5Point5":"5.5. Foydalanuvchi ushbu Ommaviy ofertaning, shuningdek, pullik xizmatlar ofertalarining shartlari bilan tanishmaganligi yoki o'z vaqtida tanishmaganligi sababli yuzaga kelgan har qanday zarar uchun Xonsaroy Pay javobgar emas.","section5Point6":"5.6. Agar Shartnoma shartlarining bajarmaslik sabablari Xonsaroy Pay nazorati doirasidan tashqarida bo'lsa, Xonsaroy Pay bunga javobgar emas. Xonsaroy Pay nazorati faqat To'lov xizmatining ishlash holati bilan cheklangan bo'lib, uchinchi shaxslarning aybi bilan yuzaga kelgan uzilishlar yoki davlat yoki sud organlari tomonidan qo'yilgan taqiqlar va cheklovlar uchun javobgarlikni o'z ichiga olmaydi.","section5Point7":"5.7. X
29onsaroy Pay xizmati orqali mavjud bo'lgan barcha axborot oqimi, shu jumladan kontent, dasturiy ta'minot, funksionallik, materiallar va axborot â \"qanday bo'lsa, shunday\" tarzda, ya'ni hech qanday o'zgartirishlarsiz yoki qo'shimchalarsiz taqdim etiladi.","section5Point8":"5.8. Xonsaroy Pay xizmati orqali mavjud xizmatlar, kontent, materiallar, axborot va funksionallik yuzasidan hech qanday kafolat yoki tasdiq bermaydi, shuningdek, maxfiy ma'lumotlarni uzatish bilan bog'liq har qanday xavfsizlik buzilishlari uchun ham javobgar emas, agar ushbu xizmatlardan foydalanish ushbu Shartnomada nazarda tutilmagan usullarda amalga oshirilgan bo'lsa.","section5Point9":"5.9. Foydalanuvchi ro'yxatdan o'tishda ko'rsatgan mobil telefon raqamiga yuboriladigan qisqa xabar (SMS) orqali olingan bir martalik parol (OTP â One Time Password) maxfiyligini saqlash majburiyatini oladi. Ushbu parol orqali amalga oshirilgan barcha harakatlar Foydalanuvchi tomonidan bajarilgan deb hisoblanadi.\nXonsaroy Pay kompaniyasi foydalanuvchining aybi bilan uchinchi shaxslar bir martalik parolga kirish imkoniga ega bo'lgan taqdirda yuzaga kelgan oqibatlar uchun javobgar emas.","section5Point10":"5.10. Xonsaroy Pay har qanday holatda, shu jumladan foyda yo'qotilishi, obro'ga zarar yetishi yoki boshqa yo'qotishlar uchun Foydalanuvchi yoki uchinchi shaxslarga javobgar emas, agar bu tovarlar (ishlar, xizmatlar) Xonsaroy Pay xizmati orqali sotib olingan, qabul qilingan yoki to'langan bo'lsa.","section5Point11":"5.11. Har bir Tomon ushbu Shartnomani tuzishdan oldin unda belgilangan javobgarlik cheklovlarini to'liq qabul qilganligini tan oladi. Ushbu cheklovlar Tomonlar o'rtasidagi kelishuvning ajralmas asosini tashkil etadi. Hech bir Tomon o'zining majburiyatlarini bajarmaganligi yoki kechiktirgani uchun javobgar emas, agar bu holat uning oqilona nazorati doirasidan tashqaridagi vaziyatlar bilan bog'liq bo'lsa, jumladan, hukumat harakatlari, terroristik hujumlar, zilzila, yong'in, suv toshqini yoki boshqa tabiiy ofatlar, mehnat sharoitlari bilan bog'liq vaziyatlar, elektr ta'minotidagi uzilishlar yoki Internet aloqasidagi uzilishlar va sh.k.","section6Title":"6. Shartnomani bekor qilish","section6Point1":"6.1. Foydalanuvchi akkauntini o'chirib tashlash yoki \"Xonsaroy Pay\" To'lov xizmatining texnik qo'llab-quvvatlash xizmatiga murojaat qilish orqali xizmatlardan foydalanishni to'xtatishga haqlidir.","section6Point2":"6.2. Ushbu Shartnoma, akkaunt o'chirib tashlangan zahoti, bekor qilingan hisoblanadi. Shartnomaning bekor qilinishi, agar Foydalanuvchi tomonidan Pullik xizmatlar faollashtirilgan bo'lsa, To'lov xizmati doirasidagi ushbu pullik xizmatlar bo'yicha tuzilgan boshqa shartnomalarning bekor qilinishini anglatmaydi.","section6Point3":"6.3. Agar Foydalanuvchi ushbu Ommaviy oferta shartlarini buzsa, Operator xizmat ko'rsatishni to'xtatish huquqiga ega.","section6Point4":"6.4. Foydalanuvchi o'z shaxsiy ma'lumotlarining qayta ishlanishiga roziligini bekor qilish huquqiga ega. Buning uchun ushbu Shartnomaning 9-bo'limida ko'rsatilgan elektron pochta manziliga murojaat yuborilishi lozim.","section7Title":"7. Nizolarni ko'rib chiqish tartibi","section7Point1":"7.1. Ushbu Shartnomadan kelib chiqadigan har qanday nizo, Foydalanuvchining yozma murojaatiga asoslangan da'vo tartibida yoki tinch yo'l bilan hal etiladi. Murojaatni ko'rib chiqish muddati va uning mazmuniga qo'yiladigan talablar O'zbekiston Respublikasining amaldagi qonunchiligi bilan belgilanadi.","section7Point2":"7.2. Agar yuzaga kelgan nizo da'vo tartibida hal etilmasa, u O'zbekiston Respublikasining amaldagi qonunchiligida belgilangan tartibda javobgar tomon joylashgan hududdagi tegishli sudda ko'rib chiqiladi.","section7Point3":"7.3. Foydalanuvchilar bilan da'vo ishlari va texnik qo'llab-quvvatlash xizmatlari faqatgina so'rovlarni qabul qilish, ularni ko'rib chiqish va javoblar yuborish orqali amalga oshiriladi. Foydalanuvchi so'rovlari ushbu Shartnomaning 9-bo'limida ko'rsatilgan elektron pochta manzili yoki telefon raqami orqali qabul qilinadi.","section8Title":"8. Boshqa shartlar","section8Point1":"8.1. Ushbu Shartnomada to'g'ridan-to'g'ri nazarda tutilmagan barcha hollarda Tomonlar O'Zbekiston Re
29spublikasining amaldagi qonunchiligi va ishbilarmonlik muomalasi odatlariga rioya qiladilar.","section8Point2":"8.2. Ushbu Ommaviy ofertani aksept qilish orqali Foydalanuvchi ushbu Shartnomaning barcha shartlariga hech qanday shartsiz roziligini tasdiqlaydi va ularni bajarishga majbur bo'ladi.","section9Title":"9. Intellektual mulk huquqlari","section9Point1":"9.1. \"Xonsaroy Pay\" To'lov xizmatida joylashtirilgan barcha obyektlar, jumladan dizayn elementlari, matn, grafika, illyustratsiyalar, video, dasturiy kod va boshqa obyektlar \"Xonsaroy Payments\" AJ yoki uning hamkorlariga tegishli bo'lgan alohida huquqlar obyektlari hisoblanadi.","section9Point2":"9.2. Foydalanuvchi ushbu obyektlarni huquq egasining yozma roziligisiz nusxalash, tarqatish, o'zgartirish yoki foydalanishga haqli emas.","section9Point3":"9.3. Murojaatlar va xabarnomalarni, shu jumladan shaxsiy ma'lumotlarni qayta ishlashga berilgan rozilikni qaytarib olish to'g'risidagi arizalarni yuborish uchun elektron pochta manzili: [email protected]","section10Title":"10. Cheklovlar","section10Details":"Foydalanuvchiga quyidagilarni amalga oshirish taqiqlanadi:\n⢠Xizmatdan noqonuniy maqsadlarda foydalanish;\n⢠Xizmat orqali ommaviy xabar yuborish (spam);\n⢠Ma'lumot yig'ish uchun avtomatik skriptlar, botlar, dasturlardan foydalanish;\n⢠Xizmatning texnik ishlashiga va xavfsizlik tizimiga aralashish.","section11Title":"11. \"Xonsaroy Payments\" AJ rekvizitlari","section11Restrictions":"100194, Toshkent shahri, Yunusobod tumani,\n\"Ahilobod\" mahalla fuqarolar yig'ini, 13-kvartal, 72-uy\nBank kodi: 00974\nHisob raqami: 20208000705500044002, \"Kapitalbank\" ATBning OPÐRU bo'limida\nSTIR: 309 334 946\nOKED: 63110\nQQS to'lovchi kodi: 3260 4023 1572\nTelefon: +998 (71) 200-15-00\nElektron pochta: [email protected]","documentFooter":"Toshkent shahri, «30» iyul 2025 yil","downloadTitle":"Hujjatlarni yuklab olish","publicOfferUzTitle":"Ommaviy oferta (o'zbekcha)","publicOfferRuTitle":"Ommaviy oferta (ruscha)","publicOfferEnTitle":"Ommaviy oferta (inglizcha)","contactTitle":"Aloqa","contactDescription":"Agar ommaviy oferta haqida savollaringiz bo'lsa, biz bilan bog'laning:","supportPhone":"Qo'llab-quvvatlash telefoni","supportEmail":"Elektron pochta"}}},"__N_SSG":true},"page":"/","query":{},"buildId":"hc23FFDr9Tc9WyLXm0CcQ","isFallback":false,"gsp":true,"locale":"uz","locales":["uz","ru","en"],"defaultLocale":"uz","scriptLoader":[]}</script>
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