# Uzbekistan — payment codes and schemes

> Source: https://docs.barcoder.ai/docs/payments/UZ
> extracted at 2026-10-03
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

## Summary

- **UzCard** and **Humo** are dual national card systems
- **QR-online** system with 100,700+ merchant QR codes
- **224.3 trillion UZS** P2P volume (2023)
- **337 billion UZS** QR transactions (2024)
- **Co-badging** with Visa, Mastercard, UnionPay

## Banking landscape

### Central Bank
- **Name:** Central Bank of Uzbekistan (CBU)
- **Website:** https://cbu.uz/
- **Role:** Monetary policy, payment systems oversight

### Major Banks (2024)

| Rank | Bank Name | Type | Digital Platform |
|------|-----------|------|------------------|
| 1 | National Bank of Uzbekistan | State | NBU Mobile |
| 2 | Kapitalbank | Private | Kapitalbank App |
| 3 | Aloqabank | Private | Aloqabank App |
| 4 | Turonbank | Private | Turonbank Mobile |
| 5 | Microcreditbank | Private | MKBank App |

### Market Structure
- **NIPC:** National Interbank Processing Centre (Humo operator)
- **UzCard:** Legacy national system (65.7% P2P)
- **Humo:** Growing system (34.3% P2P)
- **210,000 terminals:** POS infrastructure

---

## Payment infrastructure

### National Payment Systems

| System | Operator | Type | Status |
|--------|----------|------|--------|
| UzCard | UzCard | Card network | Active (65.7%) |
| Humo | NIPC | Card network | Active (34.3%) |
| QR-online | NIPC | QR System | Active |

### P2P Transfer Volume (2023)
- **Total:** 224.3 trillion UZS
- **UzCard:** 65.7% share
- **Humo:** 34.3% share
- **Growth:** 1.5x from 2022

### Market Share Shift
- 2022: UzCard 68.3%, Humo 31.7%
- 2023: UzCard 65.7%, Humo 34.3%
- Humo gaining market share

---

## QR code standards

### QR-online System

| Attribute | Value |
|-----------|-------|
| **Operator** | NIPC |
| **QR Codes** | 100,700+ |
| **2024 Value** | 337 billion UZS |
| **2023 Value** | 137 billion UZS |

### QR-online Features
- Swift payments for goods/services
- Mobile app QR scanning
- No physical card required
- No POS terminal needed

### QR Transaction Growth
- **2023:** 137 billion UZS
- **2024:** ~337 billion UZS
- **Growth:** Nearly 3x (146%)
- **QR codes:** +3,000 to 100,700

### HUMO PAY
- QR code payments
- Pay for purchases on the spot
- Mobile app integration
- Real-time settlement

---

## Mobile payment apps

| App | Provider | QR | Features |
|-----|----------|-------|----------|
| Humo Pay | NIPC | Yes | QR payments |
| Bank Apps | Various | Yes | Full banking |
| UzCard Apps | Banks | Yes | Card services |

### Humo Card Features
- ATM cash withdrawals
- Card-to-card P2P transfers
- NFC contactless payments
- QR code payments

### Humo Virtual Cards
- E-POS terminal payments
- Fee-free P2P to Humo cards
- Online shopping
- Digital-only option

### Contactless Payments
- 210,000 terminals deployed
- Up to 50,000 sum without PIN
- NFC-enabled cards
- Tap-to-pay support

---

## Schemes

| Scheme | Type | Symbology | Adoption | Technical standard |
|---|---|---|---|---|
| [QR-online](https://docs.barcoder.ai/docs/payments/UZ/qr-online) | QR System | NIPC | 100.7K QRs | [`qr-online`](https://docs.barcoder.ai/docs/standards/qr-online) |
| [UzCard](https://docs.barcoder.ai/docs/payments/UZ/uzcard) | Card | Domestic | 65.7% share | [`uzcard`](https://docs.barcoder.ai/docs/standards/uzcard) |
| [Humo](https://docs.barcoder.ai/docs/payments/UZ/humo) | Card | NIPC | 34.3% share | — |

## Sources

- [Aloqabank - Humo Card](https://aloqabank.uz/en/private/plastic-cards/list/humo/)
- [HumoCard Official](https://humocard.uz/en/)
- [Aloqabank - Custom Humo](https://aloqabank.uz/en/private/plastic-cards/list/Custom-designed%20bank%20card%20«Humo»/)
- [Turonbank - Humo-Visa](https://turonbank.uz/en/private/plastic-cards/list/humo-visa/)
- [MKBank - Humo-Mastercard](https://mkbank.uz/en/private/plastic-cards/list/humo-mastercard/)
- [Aloqabank - Humo Virtual](https://aloqabank.uz/en/private/plastic-cards/list/humo-virtual/)
- [Kun.uz - P2P Growth 2023](https://kun.uz/en/news/2024/02/08/volume-of-p2p-transfers-via-uzcard-and-humo-payment-systems-increased-by-15-times-in-2023)
- [Kapitalbank - Humo](https://kapital24.uz/en/plastic-cards/list/humo/humo/)
- [MKBank - Humo Service](https://mkbank.uz/en/private/plastic-cards/list/humo/)
- [HumoCard - Payment System](https://humocard.uz/en/payment-system/)

## Full country report

[UZ-uzbekistan.md](https://docs.barcoder.ai/docs/payments/UZ)