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Uzbekistan
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during 2025-2030
Popularity of e-commerce payment methods
Extend your reach
HUMO launched in 2019, is the national payment system of Uzbekistan, focusing on modernizing card payments with features like contactless transactions and QR code support, integrating with Google Pay and mobile wallets for digital payments. Along with Uzcard, HUMO is much more popular in Uzbekistan than international payment systems such as Visa or Mastercard.
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Reasons for Popularity
Integration with Local Infrastructure: The system is widely accepted across Uzbekistan, including rural areas where international cards or global players like Apple Pay or Google Pay may not be as prevalent
Comprehensive Services: HUMO provides a wide range of services beyond basic payments, including bill payments, fund transfers, and access to ATMs
Collaboration with International Payment Systems: The collaboration with Visa, MasterCard, and UnionPay allows HUMO cardholders to conduct transactions abroad using their HUMO cards
UZCARD is Uzbekistan’s incumbent payment system launched in 2004, offering card-based payments for both in-store and online transactions, with support for QR codes, Google Pay and mobile wallets. Along with HUMO, Uzcard is much more popular in Uzbekistan than international payment systems such as Visa or Mastercard.
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Reasons for Popularity
In 2023 65.7% of the P2P payments were carried out through UZCARD
Competitive Fees: Compared to international payment systems like Visa and Mastercard, UZCARD offers lower fees for card issuance and transactions, making it more attractive to users
Widespread Acceptance: UZCARD is widely accepted across various merchants and service providers throughout Uzbekistan, particularly in rural areas where international cards may not be as commonly used
Integration with Local Services: UZCARD is integrated with numerous local payment services and platforms that allow users to perform various transactions such as bill payments and money transfers easily
