Cards · On request
Uzcard
Uzcard is the domestic card system of Uzbekistan, launched in 2004 with the Central Bank of Uzbekistan and run by the Unified Republican Processing Center: most bank cards in the country are Uzcard cards, often salary cards, and they are the cards people link in Payme and Click. Online an Uzcard 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 an Uzcard 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 Uzcard network in seconds; settlement follows T+1.
- Tranzify writes the result and calls the merchant’s webhook.
Uzcard against Humo in Uzbekistan
The two domestic systems cover almost every bank card in the country; a payer usually holds one or both, and the checkout tells them apart by BIN and routes each to its network.
| Uzcard | Humo | |
|---|---|---|
| Operator | Unified Republican Processing Center | National Interbank Processing Center |
| Launched | 2004 | 2019 |
| Cards | the most common card in the country | the second domestic card |
| 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 Uzcard 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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