PAYMENTS WITHOUT ACCEPTANCE: LEGAL REGULATION AND CONSUMER RIGHTS

Abstract

The article is devoted to the study of the legal aspects of payments without acceptance in the modern banking system. the study analyzes the regulation of payments without acceptance based on the legislation of the Republic of Uzbekistan, including the Civil Code and the Law "On Banks and Banking Activities." A comparative analysis was also conducted with the experience of the USA and the European Union (EFTA/Regulation E, PSD2, SEPA). The article focuses on issues such as social payments, contractual nonacceptance terms, and notification obligations. The research results include proposals for improving the consumer protection system in Uzbekistan and adapting best foreign practices to national conditions. The article shows solutions that combine the principles of financial justice, security, and legal protection