# UzCard/Humo

> Source: https://docs.barcoder.ai/docs/standards/uzcard
> research date 2026-05-29 · extracted at 2026-10-04
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [HUMO — official](https://humocard.uz/en/)

## Overview

> **Note on classification.** This entry was originally bucketed as a QR standard, but Uzcard is **not a QR-symbol standard**. It is reclassified as `Card` — a uzbek dual card networks (uzcard + humo). The wiki shows no playground because there is no QR payload to encode; the slug is retained to avoid breaking incoming links.

**UzCard / Humo** are **Uzbekistan's two dominant national card-payment systems** — providing the **majority of retail, salary, and pension transactions** across Uzbekistan <sup>[1][1], [2][2], [Uzbekistan report](https://docs.barcoder.ai/docs/payments/UZ)</sup>. **UzCard** is the **original Uzbek domestic card scheme + first national card system**; **HUMO** is the **competing national payment system** based on bank payment cards. By **2025**, **30+ million UzCard + Humo cardholders combined** — with **27+ million Humo cards issued**, **210,000+ POS terminals**, and **6,400+ ATMs** deployed. **UzCard and HUMO card-acceptance interoperability** — cards can often be used at the other system's ATMs and POS terminals.

The structural distinction: Uzbekistan's **dual national-card-scheme model** is structurally unusual — most countries have single-national-card-scheme (RuPay IN, TakaPay BD, Mada SA) rather than dual-competing. The **co-badging strategy** with Visa, Mastercard, UnionPay produces **UzCard-Mastercard, UzCard-UnionPay, Humo-Visa, Humo-Mastercard, Humo-UnionPay** card variants — enabling both local + international use on single physical card. **January 2025 — Paynet's $65M acquisition of Humo payment-processing system** marks privatisation milestone. **UzCard's Tez QR Payments** add **QR-payment-source-selection across UZCARD + HUMO + Visa + Mastercard + UnionPay + installment cards + bank accounts + electronic wallets** — comprehensive payment-source aggregation. This makes Uzbekistan's payment infrastructure one of Central Asia's most-developed.

## History

**Background — Uzbek payment landscape** <sup>[Uzbekistan report](https://docs.barcoder.ai/docs/payments/UZ)</sup>:
- **Central Bank of Uzbekistan (CBU)** — central bank.
- **UzCard** — original Uzbek national card system.
- **HUMO** — competing Uzbek national payment system.
- **Tez** — UzCard's QR-payment product.

**UzCard launch as first Uzbek national card system** <sup>[1][1]</sup>:
- Original Uzbek domestic card scheme.

**HUMO launch as competing national payment system** <sup>[1][1]</sup>:
- 27M+ cards issued.

**Co-badging with Visa + Mastercard + UnionPay** <sup>[2][2]</sup>:
- UzCard-Mastercard, UzCard-UnionPay, Humo-Visa, Humo-Mastercard, Humo-UnionPay variants.

**UzCard and HUMO interoperability** <sup>[3][3]</sup>:
- Cross-system ATM + POS acceptance.

**Tez QR Payments by UzCard** [[trend]]:
- Multi-source QR-payment selection.

**January 2025 — Paynet acquires Humo for $65M** [[gazeta]]:
- Privatisation milestone.

**By 2025 — 30M+ combined cardholders / 27M+ Humo / 210K+ POS / 6,400+ ATMs** <sup>[1][1]</sup>:
- Substantial scale.

## Technical specification

UzCard / Humo are **Uzbekistan's dual national card-payment systems with co-badging + Tez QR** <sup>[1][1], [2][2]</sup>:

| Layer | Description |
|---|---|
| **UzCard operator** | UzCard JSC |
| **HUMO operator** | Paynet (post-Jan 2025 acquisition) |
| **Country** | Uzbekistan |
| **Currency** | UZS (Uzbek som) |
| **Combined cardholders (2025)** | **30+ million** |
| **HUMO cards** | 27+ million |
| **POS terminals** | 210,000+ |
| **ATMs** | 6,400+ |
| **Co-badging** | **UzCard-Mastercard, UzCard-UnionPay, Humo-Visa, Humo-Mastercard, Humo-UnionPay** |
| **Interoperability** | Cross-system ATM + POS acceptance |
| **Tez QR Payments** | UzCard QR with multi-source selection (UZCARD + HUMO + Visa + MC + UnionPay + bank accounts + wallets) |

## Use cases

**Retail + POS card payments** <sup>[1][1]</sup>: Cardinal — domestic card acceptance.

**Salary + pension distribution** <sup>[1][1]</sup>: Government-payment-rail use.

**ATM withdrawals** <sup>[3][3]</sup>: 6,400+ ATM network.

**Co-badged international acceptance** <sup>[2][2]</sup>: Visa, Mastercard, UnionPay.

**Tez QR Payments multi-source** [[trend]]: Cross-card + bank + wallet payments.

**Online + e-commerce** <sup>[1][1]</sup>: Domestic + international gateway.

## Implementations & ecosystem

**UzCard operator**: **UzCard JSC**.

**HUMO operator**: **Paynet** (post-Jan 2025 acquisition).

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

**International co-badging partners**: Visa, Mastercard, UnionPay.

**Cross-border integration**: Paysend (UK + Europe).

**Tez QR product**: UzCard's QR-payment platform.

## Fun facts

- **30M+ combined UzCard + HUMO cardholders by 2025**: Substantial scale.
- **27M+ HUMO cards issued**: Major national card scheme.
- **210K+ POS terminals + 6,400+ ATMs**: Wide acceptance infrastructure.
- **Dual national-card-scheme model**: Unusual — most countries have single national scheme.
- **Co-badging strategy**: UzCard-Mastercard, UzCard-UnionPay, Humo-Visa, Humo-Mastercard, Humo-UnionPay.
- **January 2025 Paynet $65M HUMO acquisition**: Privatisation milestone.
- **Tez QR Payments multi-source aggregation**: Cross-card + bank + wallet QR.
- **UzCard-HUMO interoperability**: Cross-system ATM + POS.

## Comparison

| Feature | UzCard / Humo (UZ) | RuPay (IN) | [TakaPay](https://docs.barcoder.ai/docs/standards/takapay) (BD) | [Mada](https://docs.barcoder.ai/docs/standards/mada) (SA) | MIR (RU) |
|---|---|---|---|---|---|
| Operator | UzCard JSC + Paynet (HUMO) | NPCI | Bangladesh Bank | SAMA | NSPK |
| Type | **Dual national card schemes + Tez QR multi-source** | Single national card | Single national card | Single national card | Single national card |
| Co-badging | **Visa, Mastercard, UnionPay** | Visa, Mastercard, JCB | None (yet) | Visa, Mastercard, UnionPay | UnionPay, JCB |
| Cardholders | **30M+ combined (2025)** | 600M+ | 13 banks initial | Universal SA | Multi-million |

## Status

**Active, dominant** <sup>[1][1], [2][2]</sup>:
- **UzCard JSC + Paynet (HUMO) operators**.
- **30M+ combined cardholders / 27M+ HUMO / 210K+ POS / 6,400+ ATMs (2025)**.
- **Co-badging with Visa, Mastercard, UnionPay**.
- **Tez QR Payments multi-source**.
- **Jan 2025 Paynet $65M HUMO acquisition**.

## Sources

[1]: https://humocard.uz/en/ "HUMO — official"
[2]: https://www.8b.world/blog/visa-and-mastercard-in-uzbekistan-why-uzcard-and-humo-dominate-the-payment-landscape "UzCard + HUMO dominate UZ — 8b"
[3]: https://yuz.uz/en/news/uzcard-i-humo-zavershili-texnicheskie-rabot-po-integratsii-bankomatov "UzCard + HUMO ATM integration — Yuz.uz"
[trend]: https://www.trend.az/business/4129666.html "UzCard Tez QR Payments — Trend.Az"
[gazeta]: https://www.gazeta.uz/en/2025/01/14/humo-paynet/ "Paynet privatizes HUMO — Gazeta.uz"

- [1] [HUMO — official][1]
- [2] [UzCard + HUMO dominate UZ — 8b][2]
- [3] [UzCard + HUMO ATM integration — Yuz.uz][3]
- [trend] [UzCard Tez QR Payments — Trend.Az][trend]
- [gazeta] [Paynet privatizes HUMO — Gazeta.uz][gazeta]
- <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)