# QR-online

> Source: https://docs.barcoder.ai/docs/standards/qr-online
> research date 2026-05-29 · extracted at 2026-10-06
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Uzum Bank](https://uzumbank.uz/)

## Overview

**QR-online** is **Uzbekistan's emerging QR-payment system + transaction layer** — operating within Uzbekistan's broader payment landscape dominated by **[UzCard/Humo](https://docs.barcoder.ai/docs/standards/uzcard) + HUMO** national card schemes + **Payme + Click** leading payment companies <sup>[1][1], [2][2], [Uzbekistan report](https://docs.barcoder.ai/docs/payments/UZ)</sup>. **The number of transactions in the QR Online system more than quadrupled to 63,287 + the number of payment QR codes increased by 8,000** in the most-recent reporting period — illustrating rapid Uzbekistan QR-payment-adoption growth. Among banks, **Uzum Bank** offers QR payments operating **almost like a payment company** + has **6,000+ merchant partners** for QR-payment goods/services + **Tashkent metro and buses can be paid 650 UZS via QR-code with Uzum card**.

The structural significance: Uzbekistan's QR-payment landscape is **multi-actor**:
- **Payme + Click** (leading independent payment companies).
- **Uzum Bank** (digital-bank-as-payment-company model with 6K+ QR merchants).
- **TBC Bank Uzbekistan** (first digital bank in Uzbekistan).
- **[UzCard/Humo](https://docs.barcoder.ai/docs/standards/uzcard)'s Tez QR Payments** + HUMO-related QR.

**QR-online's quadrupled-transaction growth** + **8K-payment-QR-code increase** indicate **rapid Uzbekistan QR-payment adoption**. **Tashkent public-transit QR-payment integration** (metro + buses) provides high-volume use case. **Uzbekistan to Expand Cashless Payments Starting April 1** + **central-bank cashless-payment initiatives** illustrate broader **Uzbek financial-modernisation context**.

## History

**Background — Uzbek payment landscape** <sup>[Uzbekistan report](https://docs.barcoder.ai/docs/payments/UZ)</sup>:
- **Central Bank of Uzbekistan (CBU)** — central bank.
- **UzCard + HUMO** dual national card schemes.
- **Payme + Click** — leading independent payment companies.
- Major UZ banks: Uzum Bank (digital), TBC Bank Uzbekistan (digital), Kapital Bank, IBA, Pasha Bank, Unibank.

**Multi-actor UZ QR-payment landscape evolution** <sup>[2][2]</sup>:
- Payme + Click + Uzum Bank + UzCard Tez QR + HUMO QR.

**QR Online transaction growth — quadrupled to 63,287** <sup>[1][1]</sup>:
- Recent reporting period.

**Payment QR codes increased by 8,000** <sup>[1][1]</sup>:
- Merchant adoption growth.

**Uzum Bank — 6,000+ merchants for QR payments** <sup>[1][1]</sup>:
- Substantial bank-driven merchant network.

**Tashkent metro + buses — 650 UZS QR-payment via Uzum card** <sup>[1][1]</sup>:
- Public-transit integration.

**Uzbekistan to Expand Cashless Payments Starting April 1** [[caspian]]:
- Broader modernisation context.

## Technical specification

QR-online is **Uzbekistan's multi-actor QR-payment system + transaction layer** <sup>[1][1], [2][2]</sup>:

| Layer | Description |
|---|---|
| **Major actors** | **Payme, Click, Uzum Bank, [UzCard/Humo](https://docs.barcoder.ai/docs/standards/uzcard) Tez QR, HUMO QR** |
| **Country** | Uzbekistan |
| **Currency** | UZS (Uzbek som) |
| **Recent QR transactions** | 63,287 (quadrupled) |
| **Recent payment QR codes added** | +8,000 |
| **Uzum Bank QR merchants** | 6,000+ |
| **Tashkent transit QR-payment** | 650 UZS via Uzum card |
| **Regulator** | **Central Bank of Uzbekistan (CBU)** |

## Use cases

**Multi-actor merchant QR-payments** <sup>[1][1]</sup>: Cardinal — Payme/Click/Uzum Bank/UzCard Tez QR/HUMO QR.

**Tashkent public-transit QR-payment** <sup>[1][1]</sup>: Metro + buses at 650 UZS.

**Uzum Bank 6,000+ merchant QR payments** <sup>[1][1]</sup>: Specific bank-driven merchant network.

**Multi-source QR-payment selection** [UzCard/Humo](https://docs.barcoder.ai/docs/standards/uzcard): Cards + bank accounts + wallets via UzCard Tez QR.

**Cashless-payment expansion** [[caspian]]: National policy goal.

## Implementations & ecosystem

**Major QR-payment actors**:
- **Payme** (leading independent payment company).
- **Click** (leading independent payment company).
- **Uzum Bank** (digital bank with 6K+ QR merchants).
- **[UzCard/Humo](https://docs.barcoder.ai/docs/standards/uzcard)'s Tez QR Payments**.
- **HUMO** (companion to UzCard).
- **TBC Bank Uzbekistan** (first digital bank in UZ).

**Regulator**: **Central Bank of Uzbekistan (CBU)**.

## Fun facts

- **QR transactions quadrupled to 63,287**: Rapid adoption growth.
- **+8,000 payment QR codes added**: Merchant expansion.
- **Uzum Bank operates "almost like a payment company"**: Digital-bank-as-payment-company model.
- **Tashkent metro + buses at 650 UZS QR**: Public-transit integration.
- **Multi-actor landscape**: Payme + Click + Uzum + UzCard Tez + HUMO + TBC.
- **April 1 cashless-payments expansion**: National policy milestone.
- **Uzum Bank 6,000+ merchant network**: Substantial bank-driven QR adoption.
- **TBC Bank first digital bank**: Sector maturation.

## Comparison

| Feature | QR-online (UZ multi-actor) | [UzCard/Humo](https://docs.barcoder.ai/docs/standards/uzcard) / HUMO Tez QR (UZ) | [TR QR Code](https://docs.barcoder.ai/docs/standards/tr-qr-code) (TR) | AniPay QR (AZ) | [AniPay](https://docs.barcoder.ai/docs/standards/anipay) (AZ IPS) |
|---|---|---|---|---|---|
| Operators | **Payme + Click + Uzum Bank + UzCard + HUMO + TBC** | UzCard + HUMO | CBRT + BKM | CBAR | CBAR |
| Type | **Multi-actor QR landscape + bank-driven merchant networks** | National card + Tez QR multi-source | National QR + multi-method | National IPS + QR | National IPS + alternative identifiers + QR |
| Recent growth | **QR tx quadrupled to 63,287** | n/a | n/a | n/a | n/a |
| Major bank | **Uzum Bank 6K+ QR merchants** | UzCard + HUMO | TR banks | Kapital Bank | All AZ banks |
| Transit integration | **Tashkent metro + buses 650 UZS** | n/a | n/a | n/a | n/a |

## Status

**Active, rapidly growing UZ QR ecosystem** <sup>[1][1], [2][2]</sup>:
- **Multi-actor landscape: Payme + Click + Uzum Bank + UzCard Tez QR + HUMO + TBC**.
- **QR transactions quadrupled to 63,287**.
- **+8,000 new payment QR codes**.
- **Uzum Bank 6,000+ QR merchants**.
- **Tashkent public-transit QR-payment**.

## Sources

[1]: https://www.8b.world/countries/uzbekistan "UZ payments — 8b"
[2]: https://samboboev.medium.com/deep-dive-payments-in-uzbekistan-f07981902911 "Deep Dive: Payments in Uzbekistan — Sam Boboev"
[3]: https://uzumbank.uz/ "Uzum Bank — official"
[caspian]: https://caspianpost.com/uzbekistan/uzbekistan-to-expand-cashless-payments-starting-april-1 "UZ cashless payments expansion April 1 — Caspianpost"

- [1] [UZ payments — 8b][1]
- [2] [Deep Dive: Payments in Uzbekistan — Sam Boboev][2]
- [3] [Uzum Bank — official][3]
- [caspian] [UZ cashless payments expansion April 1 — Caspianpost][caspian]
- <sup>[Uzbekistan report](https://docs.barcoder.ai/docs/payments/UZ)</sup> `reports/countries/UZ-uzbekistan.md`

## Deployments

Found in the following country reports (grep across `reports/countries/`):

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