Sources: Central Bank of Uzbekistan and provider disclosures, 2024–2025.
How Uzbekistan pays
Uzbekistan pays on its own card schemes. Most bank cards in the country are UzCard or Humo, the two domestic networks, and they sit behind payment apps such as Payme and Click, which people use for bills, transfers, ride hailing and online shopping. Visa and Mastercard cards are more common than they used to be, especially for travel and paying abroad, and cash still matters outside the large cities.
The economy has opened up quickly, and the som is now convertible. For an international merchant, the realistic starting point is buyers holding international cards, plus the large diaspora working abroad. Orchestrapay offers international cards and express wallets behind one integration, 3DS on card-not-present payments and retries across acquirers, with som pricing and FX handled for you.
Why merchants run on us here
Cards and wallets live today
International card acquiring and the express wallets, available now.
Domestic schemes in context
UzCard and Humo are how Uzbekistan pays at home, often through Payme and Click.
Diaspora-ready
Uzbeks abroad pay with foreign-issued cards, so routing by card origin matters.
Som pricing and FX
Show prices in UZS and settle in your base currency, with FX handled for you.
Payment methods
Cards
Visa
Mastercard
American Express
Discover
Diners Club
JCB
UnionPayBuy Now, Pay Later
Sandbox BNPLDigital wallets
PayPalExpress checkout
Apple Pay
Google PayGateways
Sandbox BNPLPayPal
Airwallex
Stripe
Adyen
Unlimit
Worldpay
Checkout.com
Authorize.net
MPGS
Cybersource
Sandbox GatewayAirwallex (Enterprise)
Braintree
CommerceHub
Fiserve
NMI
Nuvei
OrbitalBuilt for enterprise
Everything it takes to run payments in Uzbekistan
Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat Uzbekistan like any other market in your stack.
One integration, growing local coverage
Connect once for what's live in Uzbekistan today — including international card acquiring — and add local wallets and bank rails through the same integration as we bring them online.
Local acquiring, higher approvals
We route to local acquirers and retry failed payments across alternate rails, so domestic cards and wallets authorize at local rates instead of being declined as cross-border traffic.
Settlement, FX & repatriation
Collect in the Uzbekistani som (UZS) and settle in your base currency. We handle the FX conversion and the local rules for moving funds out of the country — the part most global merchants underestimate.
Licensing handled locally
We're establishing locally licensed partners so you can process in-country as we expand local coverage — without standing up your own entity or chasing a license.
Payouts & reconciliation
Pay out to sellers and process refunds on the same rails you collect on, and reconcile every flow — pay-in, payout, refund — in one ledger, in local or base currency.
Fraud, disputes & compliance
Real-time screening, chargeback and dispute handling, and KYC/AML that matches local regulator expectations — built in, not bolted on.
Ready to launch in Uzbekistan?
Talk to our payments team about going live in Uzbekistan — coverage, local acquiring, settlement and timelines for your business.