Introducing UZCARD and HUMO: Finera Expands Local Payment Access in Uzbekistan

At Finera, we understand that when it comes to payments, local trust drives global growth. Businesses succeed when they offer customers payment methods that feel familiar, secure, and effortless. That’s why we are excited to announce the launch of two new local card payment options in our orchestration platform: UZCARD and HUMO, the most widely used card networks in Uzbekistan.

These integrations unlock frictionless, domestic payment acceptance in UZS, helping merchants expand into Central Asia with infrastructure built to scale, adapt and convert.

Why Uzbekistan? 

Uzbekistan is quickly becoming a key digital player in Central Asia. With a young, mobile-first population and strong adoption of domestic fintech solutions, the country presents a valuable growth opportunity for global and regional merchants.

Digital payments are accelerating. According to forecasts by KPMG, non-cash payments and peer‑to‑peer transfers in Uzbekistan are expected to nearly double by 2027, growing at an average annual rate of 22%.

This rapid increase shows the rising confidence in digital payments, including UZCARD and HUMO, as more consumers move away from cash.

UZCARD: Connecting Millions in Uzbekistan

UZCARD is the original domestic card scheme of Uzbekistan and remains the most widely adopted. Launched as the country’s first national card system, it paved the way for digital financial access in a market that had previously relied heavily on cash.

Today, UZCARD is accepted at most merchants, ATMs and banks across the country. From food delivery apps to fashion retailers and government payments, it’s deeply embedded into the everyday lives of Uzbek consumers.

UZCARD supports over 260,000 payment terminals and is integrated with 35 partner banks and 35 payment aggregators, making it the most extensive card network infrastructure in Uzbekistan.

By supporting UZCARD through Finera, businesses can:

• Tap into a large, established user base
• Transact directly in UZS, avoiding costly currency conversion
• Reduce checkout friction by offering a familiar option
• Improve trust and conversion in a localised experience

UZCARD Specifications with Finera

• Traffic: FTDs and trusted
• Integration: Server-to-server (S2S) and Hosted Payment Form (HPF)
• Currency: UZS (Uzbekistani Som)

This means that from integration to go-live, merchants can start accepting UZCARD quickly with no delays or complex setup.

HUMO: Built for Speed, Trusted Nationwide

HUMO is the country’s second major local card system, used across all major banks in Uzbekistan. Built on a modern, flexible infrastructure, it’s known for its high reliability.

While the payment system’s name does not officially reference it, “Humo” is also the name of a mythical bird in Central Asian culture, often associated with joy, luck and freedom, values that align symbolically with HUMO’s role in expanding financial access.

For businesses, enabling HUMO through Finera offers:

• Faster authorisation
• Complete local bank coverage
• A smooth, reliable payment experience across web and mobile
• Seamless customer recognition and reduced checkout abandonment

HUMO Specifications with Finera

• Traffic: FTDs and trusted
• Integration: S2S (server-to-server) and HPF (hosted form)
• Currency: UZS
• Compatibility: Works with all major local issuing banks for complete coverage

With HUMO now integrated into Finera’s platform, businesses can offer a payment experience that’s both local and seamless, critical for customer satisfaction in this emerging market.

Why Local Card Payments Matter

Cross-border card schemes don’t always perform well in emerging markets. Declines, added fees and slow authorisations lead to lost sales and customer frustration.

That’s why supporting local payment methods is critical.

Local card networks like UZCARD and HUMO:

• Operate in the domestic currency
• Are backed by national banks
• Are widely adopted and trusted by end-users
• Often show higher approval rates and lower transaction fees

By integrating these directly into your checkout, you eliminate unnecessary friction and make it easier for Uzbek consumers to complete a purchase.

Local Payments, Built into Finera

Adding UZCARD and HUMO is more than a technical upgrade. It’s a strategic decision to meet customers where they are, in the way they prefer to pay.

With these integrations, you benefit from:

• Local processing in UZS
• Increased success rates through trusted domestic systems
• Faster routing and settlement
• PCI DSS compliance and built-in fraud controls
• Real-time payment analytics and unified reporting
• Single integration via Finera’s orchestration platform

And because Finera supports intelligent routing, transactions can dynamically shift between acquirers based on performance, helping you maintain uptime, manage costs and stay ahead of market trends.

Ready for Central Asia?

If you are looking to expand into Central Asia or simply want to strengthen your position in Uzbekistan, this release opens the door.

With over 30 million cardholders across UZCARD and HUMO combined, Finera now gives you access to the majority of the country’s online spenders. There’s no need to manage multiple PSPs, worry about complex onboarding or navigate regulatory roadblocks.

Want to Learn More?

UZCARD and HUMO are now live. Start accepting local payments with Finera today.

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