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UZCARD

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.

Method
UZCARD
LPM Market Share
n/a
Payments
Yes
Refunds
Yes - full refunds only
Type
Debit Cards & Prepaid Cards
Local Card Scheme
Users
7M
Disbursements
Yes
Yes
Chargebacks
$25.00
Authorization currency
UZS
Authorization
speed
instant
Recurring
No
No

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