Payment methods in Uzbekistan

The market

Uzbekistan went digital through two apps. Payme and Click link to the domestic bank cards most people hold, and paying online means choosing one of them, confirming in the app and getting an instant result; both support payouts, and Payme also recurring payments, which covers subscriptions. Visa and Mastercard are the cards of foreign shoppers, travel and the larger retailers, and settle at T+1 through the acquirer. The Central Bank of Uzbekistan licenses payment organisations and payment system operators; the merchant’s provider is one of them. The market settles in soums, so a client needs a provider that settles locally rather than converting every ticket.

How Tranzify clients launch

Uzbekistan is in the catalogue on request: a client asks for the Uzbek integrations and enables Payme or Click under its own contracts and licence; Click also carries Payme payments, and cards go through an acquirer the client adds from the catalogue. The checkout shows Payme and Click side by side for Uzbek payers and a card form for everyone else; routing by method picks the provider, and a failed wallet payment cascades to the other wallet or to cards. Every payment is journaled for five years, and the client’s system gets the final status by webhook.

Payme and Click

Both wallets are instant both ways: a deposit confirms in seconds, a refund goes back to the wallet, and a payout reaches the payer’s wallet through Payme or Click, whose catalogue entries carry payout operations. Payme recurring payments cover subscriptions; cards remain the alternative for one-off purchases by foreign payers, with chargebacks under the scheme rules.