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Uzbekistan
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Uzbekistan Is Becoming Central Asia's Hub for Payment Interoperability
Uzbekistan is rapidly emerging as one of Central Asia's most innovative digital payment markets. The country's payment infrastructure is evolving beyond domestic acceptance toward regional interoperability, enabling national payment systems to connect across borders while maintaining security and transparency.
National payment schemes continue expanding their international connectivity, supporting global card networks alongside regional payment initiatives and laying the foundation for real-time cross-border payments across Central Asia.
Through one API, 8B enables businesses to access Uzbekistan's leading local payment methods and rapidly evolving payment infrastructure.
Cross-Border Payment Infrastructure for Global Growth
Local Payment Infrastructure
Connect to local payment methods, bank transfers and digital wallets through a single API. Expand into new markets faster with regulated cross-border payment infrastructure.
Payments & Payouts
Accept customer payments, automate partner payouts and simplify global money movement through regulated fintech infrastructure.
Industries We Support
Supporting e-commerce, travel, gaming, marketplaces, financial institutions, PSPs and fintech companies expanding into new markets.
One API
Launch new markets faster without building separate local payment integrations. Reduce operational complexity while improving payment acceptance and customer experience.
Expand into new markets with regulated cross-border payment infrastructure. 8B connects businesses to local payment methods, national QR networks, bank transfers and digital wallets through a single API, helping businesses launch faster while reducing integration complexity.
Offer customers the payment methods they already know and trust.
Supported Payment Methods
HUMO is one of Uzbekistan’s national payment systems, supporting domestic card payments, contactless transactions, ATM operations, transfers and merchant acceptance. It plays a major role in Uzbekistan’s cashless payment infrastructure alongside UZCARD. HUMO cards and terminals support contactless functionality, helping expand digital payments across retail, public services and everyday consumer transactions. For merchants, HUMO is a key local payment method for reaching Uzbek customers.
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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 one of Uzbekistan’s national payment systems and a key part of the country’s domestic cashless payment infrastructure. It supports card payments, ATM withdrawals, merchant acceptance, transfers and contactless transactions across partner banks and payment providers. UZCARD reports more than 24.7 million cards, making it one of the most important local payment methods for businesses serving Uzbek consumers.
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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
Uzum is an Uzbek digital ecosystem that includes e-commerce, banking, payments and financial services. Its payment and banking products support consumer transactions, transfers and digital financial activity within the wider Uzum ecosystem. For merchants entering Uzbekistan, Uzum is relevant because it connects payment behavior with a fast-growing local digital commerce platform and consumer financial app environment.
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Reasons for Popularity
Rapid Growth and Brand Recognition: The brand is widely recognized, with surveys indicating that about 80% of residents are familiar with Uzum, and 72% consider it their primary choice for online shopping
User-Friendly Features: Uzum offers features such as a buy-now-pay-later (BNPL) scheme that has gained traction, with nearly half of its transactions utilizing this service. This flexibility in payment options appeals to consumers looking for convenience
Government Support and Digital Initiatives: The Uzbek government has been promoting digitalization across various sectors, which has contributed to the growth of platforms like Uzum that facilitate online commerce and financial services
Built for Developers
Modern APIs, clean documentation and rapid integration.
Built for Finance Teams
Automated reconciliation, transparent reporting and streamlined settlements.
Built for Customers
Trusted local payment methods, smooth checkout journeys and fewer abandoned carts.
