Cards · On request
Humo
Humo is the second domestic card system of Uzbekistan, launched in 2019 and run by the National Interbank Processing Center under the Central Bank of Uzbekistan: Uzbek banks issue Humo cards next to Uzcard, the two networks accept each other's cards, and Humo cards are linked in Payme and Click like any other. Online a Humo payment is confirmed with the code the bank sends by SMS, settled T+1 and disputed under the system's rules; recurring charges by token, refunds and payouts to a card are part of the method, and a Tranzify client enables it on request.
Key facts
- Countries
- Uzbekistan
- Currencies
- UZS
- Operations
- Pay-in · Payout · Recurring · Refund
- Settlement
- T+1
- Chargebacks
- under the scheme rules
How a payment goes through
- 1The payer enters the card on the hosted checkout; the number is encrypted before it leaves the page
- 2The vault stores a token; routing picks the acquirer by BIN, country and amount
- 33-D Secure when the issuer asks; the acquirer authorises
- 4Callback to the merchant, status in the journal for five years
How a payment goes through
- The checkout takes the card number and expiry date on the payment form and recognises a Humo BIN, or uses a saved token.
- The issuing bank sends a one-time code by SMS, and the payer enters it.
- The provider authorises the payment in the Humo network in seconds; settlement follows T+1.
- Tranzify writes the result and calls the merchant’s webhook.
Humo against Uzcard in Uzbekistan
Humo was created to give the country a second domestic network; today banks issue both cards, payers often hold both, and a checkout needs both to cover every payer.
| Humo | Uzcard | |
|---|---|---|
| Operator | National Interbank Processing Center | Unified Republican Processing Center |
| Launched | 2019 | 2004 |
| Cards | the second domestic card | the most common card in the country |
| Confirmation online | code from the bank by SMS | code from the bank by SMS |
| Settlement | T+1 | T+1 |
| Chargebacks | scheme rules | scheme rules |
| Recurring | yes, by token | yes, by token |
| Payouts | yes, to a card | yes, to a card |
| Providers | Payme, Click | Payme, Click |
Who uses it
E-commerce and delivery for everyday orders paid in soum, digital goods for in-app purchases and top-ups charged by token. A client (a payment company) enables Payme or Click for Humo under its own contract; the integration is enabled on request.
How to connect
- 1Onboard with Tranzify and get your network, keys and back office.
- 2Enter your account with the provider in the terminal settings — Tranzify already speaks its API.
- 3Add routing rules: countries, currencies, amounts, BIN ranges, priorities and weights.
- 4Go live. Every payment, callback and retry is in the journal for five years.
Providers offering this method
On request — Request this integration
Industries
Frequently asked questions
How does the payer confirm an online payment?+
Are there chargebacks?+
Who is the licensed party?+
Related methods
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