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Click CEO and banks commented on card-to-card transfer fees

At a roundtable at the Central Bank, Click founder Ulugbek Rustamov explained that a P2P transfer chain involves a bank, a processing system and a payment organization, and that a 'zero fee' does not mean no costs — the organization covers them at its own expense, often as a marketing cost. Banks can offer free transfers thanks to other revenue sources, while payment organizations rely mainly on fees.

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