Selling online to Uzbekistan: Humo, Uzcard, Payme and Click explained

A foreign store that opens Uzbekistan with a Visa and Mastercard form often sees traffic and few sales. Local payments run on two domestic card schemes, usually inside a wallet app, and shoppers expect to confirm with a code or in the app they already use. The gap between a global checkout and a local one is wider here than in most markets of this size.

This article explains how Humo and Uzcard work for a merchant, where Payme and Click fit, who can provide local acquiring, how UZS and settlement raise questions, and what to ask a provider. For the region as a whole, see choosing payment providers for CIS and the Caucasus; for storage rules, see data localisation in CIS payments. We do not repeat either here.

How do Uzbek shoppers pay online?

With bank cards, in large numbers. Kun.uz, citing the Central Bank of Uzbekistan, reports more than 68.27 million bank cards on 1 January 2026, nearly double the level three years earlier, with 430,762 payment terminals in January 2026. Payments through terminals reached UZS 460.25 trillion, up from UZS 326.7 trillion a year earlier.

Those are card counts, not people, and we found no public split by scheme at a single date. The figures below come from different sources and years, so do not add them together:

Scheme or wallet	Reported size	Source and date
Humo	More than 27 million cards issued	Kun.uz, July 2024
Uzcard	More than 24.7 million cards, 36 partner banks, 33 payment aggregators	Uzcard website, 2026
Payme	5.8 million digital monthly active users across TBC Uzbekistan	TBC Bank Group, June 2026
Click	More than 20 million registered users, more than 70,000 service providers	Click, July 2025

The reading is direction, not market share. Two domestic schemes and two large wallets shape how people pay, and a store should plan for all four. Our Uzbekistan guide has more on the market.

How do Humo and Uzcard work for a merchant?

They are separate schemes with separate operators. Humo’s site says its operator, the National Interbank Processing Centre, processes all operations within the system, with settlement in national currency handled by the clearing centre of the Central Bank. Uzcard runs its own network, with its own partner banks and aggregators.

For a merchant, the consequence is simple: support for one scheme says nothing about the other. Ask for both, and ask about card payouts separately if you need them.

Domestic does not always mean domestic-only. Humo says links with Visa, Mastercard and UnionPay allow its cards to be used abroad for foreign-currency operations, and notes that bank participation is voluntary. In 2026 it launched a co-badged card with UnionPay and Agrobank, which Trend says can be used in Uzbekistan and abroad. These are specific products, not a general rule. A plain Humo or Uzcard card may still fail at a foreign acquirer, so test with real cards.

Our glossary explains co-badged cards and domestic card schemes.

Where do Payme and Click fit?

They sit on top of the cards. A shopper links a card to the wallet, and the wallet becomes the place where they pay.

Payme. Payme’s business documentation says it accepts online payments from Uzcard and Humo cards, through the Payme app, Telegram bots, email or SMS. TBC Bank Group describes the Payme app as a market leader in Uzbekistan.

Click. Click’s FAQ says users can link Uzcard, Humo and UnionPay cards to a phone number, add Visa and Mastercard cards, or hold a Click-Wallet balance. They pay through the app, a Telegram bot, the my.click.uz site or by USSD code. Click’s API documentation says a provider’s billing system must handle Prepare and Complete requests, after which its services can be paid through any of those interfaces.

Two practical points follow. A wallet is a separate integration from a card route, with a separate contract and a separate status flow, so offering both means two connections. And the shopper confirms outside your page, so hold the order until the final status arrives. Our article on webhooks and idempotency explains how.

The checkout should reflect all this. Price in UZS, show Humo and Uzcard together in one card form, put Payme and Click beside it, and keep international cards as a further option. Our checkout localisation guide covers how to set that order per country. Allow for a confirmation step too: Click’s FAQ says cards link to a phone number with SMS notification enabled, so the phone is part of the payment.

Who can provide local acquiring?

This is the question that decides your setup. Under the Law on Payments and Payment Systems, payment organisations are non-bank legal entities that provide payment services in Uzbekistan under a Central Bank licence. A memo from the law firm Azizov & Partners, dated February 2026, says the minimum authorised capital is 20 billion soums, and that non-residents together may hold up to 50% of a payment organisation, with exceptions for bodies such as foreign payment system operators.

Merchant onboarding is written for local businesses. Payme’s documentation says money reaches the business’s settlement account through Payme Business cash desks, and that only legal entities can use them, listing company forms such as sole proprietors, LLCs and joint-stock companies. It does not describe a route for a non-resident. Uzcard alone lists 33 payment aggregators, which shows how much of the market runs through intermediaries.

So a foreign store has three broad options:

Option	What it means	What to check
Uzbek entity	Your own company contracts directly with banks, Payme and Click	Set-up cost, local banking, tax
Provider with a local partner	A foreign-facing provider uses a licensed Uzbek bank or payment organisation	Who holds the licence, what is covered, how funds leave
International cards only	A foreign acquirer takes Visa and Mastercard	Reaches only some shoppers

Whichever you pick, allow time, because each bank, wallet and provider runs its own onboarding. Our article on local vs cross-border acquiring sets out the trade-offs.

How do UZS, settlement and FX work?

Here the published detail runs out, so treat this as a contract question. We did not find a public rule that sets out how a non-resident merchant receives UZS proceeds, and providers’ pages describe it only in commercial terms.

What is on record is limited. The Central Bank said in September 2023, as reported by UzDaily, that there were no restrictions on international payment services, cross-border money transfers and payments to international online services, and that these can be made through commercial bank platforms. In the same statement it said that delivering payments to foreign beneficiaries is not a foreign trade operation for a payment organisation. It also acted against one company that omitted sender or recipient details, which shows that it watches these flows.

That leaves questions for the provider. In which currency does the shopper pay, and who holds the UZS? When is it converted, at what rate and spread? Which bank sends the funds abroad, and how long does it take? What documents does that bank need for each payment or batch? The method pages for Humo and Uzcard note that merchant settlement follows the acquiring agreement. Get the answers in writing, because they will drive your cash flow more than the headline rate.

What do refunds, receipts and tax look like?

Refunds. These vary by route. Payme’s CancelTransaction method can cancel a created or a completed transaction, but a completed one only if the goods or services have not been fully delivered, and Payme says a refund is possible only if the merchant has implemented that method. For Click, Humo and Uzcard, ask each provider what it supports.

Receipts. Click’s Merchant API documentation includes a section on data fiscalisation, and Buxgalter.uz wrote in 2022 that marketplaces and payment systems such as Click and Payme had to integrate with a fiscal data operator. That is an older source and rules may have moved, so ask your provider what it handles and what stays with you.

Tax. PwC’s tax summary says foreign companies that supply electronic services to individuals, where the place of supply is Uzbekistan, must register for VAT there. The standard rate is 12%, on the actual sales price including VAT. Take local advice on physical goods and customs.

Wallet changes. Spot.uz reported on 27 October 2026 that Apple Pay and Google Pay had appeared in Uzbekistan for Visa and Mastercard cards at several banks, though not all had it working. Google had announced Google Pay on 19 October, while Apple’s site did not yet list the country. Humo and Uzcard were not on the lists, and the Central Bank had not commented. If this holds, it helps international cards first. Recheck in 2027.

What should a foreign merchant ask?

Send these questions to every provider before you compare prices:

1. Do you process both Humo and Uzcard? Ask for each scheme, with live examples.
2. Do you offer Payme and Click? Ask whether each is a separate contract and integration.
3. Who holds the licence? Name the bank or payment organisation behind the Uzbek leg.
4. Which entity contracts with me? Ask whether you need an Uzbek company, and what documents you must provide.
5. How does the shopper confirm? Ask about SMS codes, app approval and timeouts.
6. How do UZS funds reach me? Ask for currency, rate source, spread, bank and days.
7. What can you refund? Ask for each scheme and wallet, including partial refunds.
8. Who issues fiscal receipts? Ask what you must send, and for which sales.
9. Do you cover co-badged cards? Ask how you route them, and whether they go domestic or international.
10. Where is customer data held? Our article on data localisation in CIS payments covers what to check.

How does Omno support payments in Uzbekistan?

Omno puts the providers you choose behind one integration, and each provider onboards you separately. Where a connected provider offers Humo, Uzcard, Payme or Click, routing rules by card BIN, country, currency or amount send each payment to a provider that handles it, and PSP eligibility rules keep it away from those that do not. If a provider is unavailable or rejects the request, the payment moves to the next provider in the rule until one accepts. The smart routing and cascading page shows how the rules work.