More payment methods

HUMO

Facilitating Digital Payments and Financial Services in Uzbekistan

HUMO is a digital payment platform that has transformed the way financial transactions are conducted in Uzbekistan. Developed by the National Bank for Foreign Economic Activity of the Republic of Uzbekistan, HUMO offers users a comprehensive solution for digital payments, funds transfers, and access to various financial services.

Documentation
% of coverage
  • Country

    Uzbekistan

  • Population

    35.3 million

  • Number of Internet users

    29.5 million (estimated, 2024)

  • Popular payment methods

    Credit Cards, Debit Cards, E-Wallets, Cash, Bank Transfers

% of coverage
  • Credit Card

    10%

  • Debit Card

    40%

  • E-Wallets

    30%

  • Cash Payments

    15%

  • Bank Transfers

    4%

  • Other

    1%

Payment Method Overview
  • Type:Digital Payment Platform
  • Currency: Uzbekistani Som (UZS)
  • % of coverage: 50% of Uzbekistan’s card transactions (estimated)
  • Money transfers to date: USD 9 million annually (estimated)
  • Total customers: 27 million Humo cards issued (estimated)
  • Refunds: Yes (limited)
  • Chargebacks:Yes, subject to terms and conditions

About payment system

HUMO goes beyond basic digital payment solutions; it functions as a versatile platform for managing financial activities and accessing essential services. Users can link their bank accounts or credit cards to the HUMO app, enabling them to perform payments, transfers, and various other financial transactions.

In addition to core payment and fund transfer functions, HUMO empowers users to pay bills, access ATMs, and engage in a range of transactions. The platform’s multifunctional approach positions HUMO as an integrated solution for both financial management and everyday needs.

The significance of HUMO lies in its role in promoting digital payments and financial inclusion in Uzbekistan. By offering a user-friendly platform and a variety of services, HUMO contributes to driving the adoption of digital payment methods among a wide range of users.

The platform’s commitment to security, user experience, and innovation is evident in its secure authentication methods, encryption protocols, and user-friendly interface. As HUMO continues to expand its services and user base, it plays a pivotal role in shaping Uzbekistan’s digital financial ecosystem, offering users enhanced convenience, financial empowerment, and seamless access to a variety of services.

Read all
Payment flow

The customer selects Visa as their payment option and enters their credit card details to complete the payment.

Payment methods that also might be interesting

Pep

PeP

PeP: Discover payment solutions in Poland

PeP is an online payment solution for e-commerce in Poland. Discover other payment options at spoynt.com

TrueMoney

TrueMoney

Digital wallet

TrueMoney stands as a versatile digital payment platform.

SEPA

SEPA

Online banking

SEPA (Single Euro Payments Area) is a pan-European instant payment scheme.

Zing money

Zing

Zing: Discover payment solutions worldwide

Zing is a global payments app. Discover other payment solutions at spoynt.com

DANA

DANA

Digital wallet

DANA is a prominent mobile payment platform originating from Indonesia.

Troy

Troy

Credit/Debit card

Troy is a national card payment scheme introduced by the Interbank Card Center.

IMPS

IMPS

Online banking

IMPS enables users to make real-time interbank transfers.

GoPay

GoPay

Digital wallet

GoPay is a leading mobile payment platform hailing from Indonesia.

Zamtel

Zamtel

Mobile money

Zamtel Kwacha is a revolutionary mobile money platform.

PayBol

PayBol

PayBol: Discover payment solutions in Turkiye

PayBol is a digital wallet developed in Turkiye. Discover other payment solutions at spoynt.com

Show all payment methods
Pricing

Pricing request

Our fare pricing is designed to bring satisfaction to both sides of our partnership. The pricing structure is tailored to your specific business type and monthly turnover. Kindly send us a request, including details about your business, and our dedicated success manager will promptly get back to you with our best offer.