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Advancing Cashless Payments and Financial Inclusion in Uzbekistan

UZCARD is a pioneering payment system that has significantly transformed the payment landscape in Uzbekistan. Developed by the Center for Interbank Payments Systems under the Central Bank of the Republic of Uzbekistan, UZCARD offers users a comprehensive solution for cashless payments, fund transfers, and access to financial services.

% of coverage
  • Country


  • Population

    34 million (as of 2023)

  • Number of UZCARD Cards Issued

    Over 20 million (as of 2021)

  • Popular payment methods

    UZCARD, cash, bank transfers

% of coverage


  • Cash Payments


  • International Card Schemes


Payment Method Overview
  • Type:Payment System and Card Network
  • Currency: Uzbekistani Som (UZS)
  • Refunds:Subject to the refund policies of participating financial institutions and merchants
  • Chargebacks:Possible through collaborating financial institutions, subject to terms and conditions

About payment system

UZCARD serves as more than just a payment method; it functions as a comprehensive platform for managing financial activities and accessing essential services. Users can link their UZCARD accounts to physical cards or virtual wallets, enabling them to conduct payments, transfers, and various other financial transactions.

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

The significance of UZCARD lies in its role in driving cashless payments and financial inclusion in Uzbekistan. By offering a unified platform for payments and financial services,UZCARD contributes to reducing the reliance on cash transactions and increasing access to formal financial services.

The platform’s commitment to security, user experience, and technological innovation is evident in its secure authentication methods, encryption protocols, and seamless integration with banks and merchants. As UZCARD continues to expand its services and user base, it plays a pivotal role in shaping Uzbekistan’s payment landscape, offering individuals and businesses an advanced, secure, and efficient way to manage their financial transactions.

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Payment flow

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

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