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MERICAN Journal of Public Diplomacy and International Studies
www.
 grnjournal.us 
 
AMERICAN Journal of Public Diplomacy and
International Studies 
Volume 01, Issue 06, 2023 ISSN (E): 2993-2157 
 
 
 
The Concept and Features of the Contract for the Provision 
of Payment Services
 
Ganiev Erpolat Jamilevich
 
Lecturer at Karakalpak State University 
 
 
Abstract: 
For the correct legal classification of non-cash payments, it is important to identify 
non-cash settlement transactions carried out through credit institutions in accordance with the 
established procedure. The general rules of calculations are determined by the СС (Civil code). 
At the same time, non-cash settlements can also be regulated by banking regulations, in this 
regard, Non-cash settlements in this work are aimed at clarifying the concept and types of non-
cash settlement operations.
Keywords: 
Non-cash settlements, bank, credit organizations, operators, payment orders, letters 
of credit, check settlement, collection settlement.
 
Settlements between citizens of the Republic of Uzbekistan, regardless of their business 
activities, can be made in cash or non-cash form, without limitation of the amount. On the 
contrary, settlements between legal entities, as well as settlements between individual 
entrepreneurs, are usually carried out by cashless means. 
Non-cash settlements are carried out in accordance with banking rules and business practices 
adopted in banking practice. However, banking rules cannot conflict with CC and other laws. 
The rules for regulating non-cash payments are defined in the Law of the Republic of Uzbekistan 
"On Payments and Payment Systems". 
According to the first part of article 16 of the Law "On Payments and Payment Systems", "a 
payment service is provided on the basis of an agreement concluded between a payment service 
user and a payment service operator, including an agreement in the form of a public offer." In 
general, a contract for the provision of payment services is an agreement between a client and a 
payment operator, which includes this general contract for the provision of payment services for 
individuals, as well as any other terms and documents (supplements, contracts, regulations, 
declarations, etc.). Including, but not limited to, the information specified in this general 
agreement on the provision of payment services for individuals. 
The rules of the payment system are mainly accession agreements regulated by the organizer of 
the payment system. And although their content is determined in a certain way by the organizer 
of the payment system, the content of the rules of the payment system may significantly exceed 
the content of the requirements arising from the legal field in which such a payment system 
operates. 
Thus, the regulation of the relations of the participants of the payment system not through direct 
bilateral relations between the participants, but through a global merger agreement allows: 

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