Payment methods in Uzbekistan

Asia

4methods

2banks

Click and Payme are the two dominant digital wallets in Uzbekistan, both deeply integrated with merchant checkout and widely used for utility payments, P2P transfers, and e-commerce

Market takeaways

Click and Payme are the two dominant digital wallets in Uzbekistan, both deeply integrated with merchant checkout and widely used for utility payments, P2P transfers, and e-commerce
HUMO is the newer national card scheme, positioned as the preferred domestic network for online and in-store transactions; UzCard is the older scheme with an established but declining share
The Uzbek government has actively mandated electronic payment acceptance for businesses and runs financial inclusion programmes to reduce cash usage
Smartphone adoption has accelerated rapidly among Uzbekistan's young population (median age ~29), providing strong organic growth for mobile-first payment apps
International card acceptance is growing but most domestic e-commerce defaults to Click, Payme, HUMO, or UzCard rather than Visa/Mastercard

Population

37M

Online population

25M

B2C e-commerce

$1.5B

Banked population

~56%

Payment method breakdown

Market data coming soon.

Card scheme breakdown

Market data coming soon.

Cross-border e-commerce

Market data coming soon.

Featured payment methods in Uzbekistan

Popular options based on coverage and prominence in this market.

d Barai (d Payment)

NTT Docomo's QR and online payment service linked to d POINT and carrier billing. Operator: NTT Docomo, Inc.. Est. users: 16% QR market share (2024).

Click to Pay

Click to Pay is the EMVCo industry-standard secure online checkout letting shoppers pay with enrolled Visa, Mastercard, American Express, Discover, JCB and UnionPay cards without re-entering card details. Operator: EMVCo (global card networks). Est. users: hundreds of millions of enrolled cards (2024).

HUMO

HUMO is a local card network preferred by Uzbekistani shoppers for online and offline transactions. Operated by the Unified Interbank Processing Centre (UIPC), HUMO was launched as the successor to UzCard and is positioned as the primary domestic card scheme. HUMO cards are issued by all major Uzbekistani banks and are accepted across the country's point-of-sale and e-commerce infrastructure.

UzCard

UzCard is a local card network widely used for online transactions in Uzbekistan. It is the older of the two national card schemes and still holds a significant installed base of cardholders, particularly among government salary recipients and pension disbursements. While HUMO is the more actively promoted scheme, UzCard remains a significant part of the payment infrastructure given the scale of its existing card issuance.

All payment methods in Uzbekistan

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Featured banks in Uzbekistan

Major institutions operating in this market.

OTP Bank

Budapest, Hungary

OTP Bank is Hungary's largest bank and the dominant financial institution in the country, with significant regional presence across Central and Eastern Europe and the Balkans.