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Uzbekistan
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Welcome to
8B
Uzbekistan
, where global payment technology meets strong local expertise
If you’re expanding into the region — whether in ecommerce, digital services or B2B operations — we make it easy to accept payments, send payouts and manage your financial flows with confidence.
Built for Today’s Most Dynamic Sectors
Extend your reach with a comprehensive set of local wallets, bank rails and alternative payment methods preferred by consumers.
Payments & Payouts
Manage everything - customer payments, partner payouts, contractor disbursements - through one unified platform.
Retail & E-commerce, Gaming & Travel Payments, PSPs
Deliver a fast, frictionless checkout experience optimized for high-volume online transactions.
Cross-Border Business Payments
Settle globally and pay out locally with full transparency, strong compliance and efficient routing across payment ecosystem.
Entering a new market doesn’t need to be complicated. 8B gives you secure infrastructure, intuitive tools and the complete suite of Local Payment Methods your customers trust — no credit cards required.
Give shoppers the payment options they use every day:
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
Uzum Bank powers payments within the wider Uzum ecosystem and for third-party businesses
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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.
