Cards · On request
Elcart
Elcart is the national payment system of Kyrgyzstan, run by the Interbank Processing Center set up with the National Bank of the Kyrgyz Republic: Kyrgyz banks issue Elcart debit cards, many of them as salary and social-payment cards, so it is the card a large part of the country's payers hold. Online an Elcart payment runs like any card payment, with the issuing bank authenticating the payer, settlement T+1 and the system's own dispute rules; a Tranzify client enables it on request.
Key facts
- Countries
- Kyrgyzstan
- Currencies
- KGS
- Operations
- Pay-in · Payout · Refund
- Settlement
- T+1
- Chargebacks
- under the scheme rules
How a payment goes through
- 1The payer enters the card on the hosted checkout; the number is encrypted before it leaves the page
- 2The vault stores a token; routing picks the acquirer by BIN, country and amount
- 33-D Secure when the issuer asks; the acquirer authorises
- 4Callback to the merchant, status in the journal for five years
How a payment goes through
- The checkout takes the card number, expiry and CVV on the payment form and recognises an Elcart BIN.
- The issuing bank authenticates the payer, usually with a one-time code sent to the cardholder’s phone.
- The acquiring bank authorises the amount in the Elcart network in seconds; settlement follows T+1.
- Tranzify writes the result and calls the merchant’s webhook.
Elcart against international cards in Kyrgyzstan
Elcart cards make up a large part of the cards Kyrgyz banks issue, often as salary and social-payment cards; international cards sit next to them for travel and purchases abroad.
| Elcart | Visa / Mastercard | |
|---|---|---|
| Operator | the Interbank Processing Center, Kyrgyzstan | the international schemes |
| Cards | debit cards of Kyrgyz banks | debit and credit cards |
| Currency | som | som and foreign currencies |
| Settlement | T+1 | T+1 |
| Chargebacks | scheme rules | scheme rules |
| Recurring | not in the catalogue | yes, with tokens |
| Payouts | yes, to a card | yes, to a card |
Who uses it
E-commerce and delivery for everyday purchases paid in som, digital goods for top-ups and in-app purchases from payers who hold no international card. The providers for Elcart are connected on request: a client (a payment company) enables the method under its own contract with a bank or provider in Kyrgyzstan, and Tranzify supplies the software.
How to connect
- 1Onboard with Tranzify and get your network, keys and back office.
- 2Enter your account with the provider in the terminal settings — Tranzify already speaks its API.
- 3Add routing rules: countries, currencies, amounts, BIN ranges, priorities and weights.
- 4Go live. Every payment, callback and retry is in the journal for five years.
Providers offering this method
On request — Request this integration
Industries
Frequently asked questions
Who can pay with Elcart?+
Are there chargebacks?+
Are payouts and recurring charges possible?+
Related methods
See the platform on your own flows
Thirty minutes with an engineer, not a sales deck: your providers, your routing rules, your merchants' checkout.
- ✓ Not a financial institution
- ✓ Money never passes through us
- ✓ Built to PCI DSS requirements