Qitero Qitero

Humo

Country: Uzbekistan (UZ)  |  Payment Rail: card_network

Card Market Adoption: 22%

Humo is the modern national contactless payment card network in Uzbekistan backed by the central bank, featuring EMV NFC capabilities widely used for transit, POS payments, and online shopping.

🔄 User Payment Flow

  1. User selects Humo Card at checkout
  2. User enters 16-digit Humo card number (starting with 9860) and validity
  3. User inputs 3DS SMS verification code sent by issuing bank
  4. Payment is completed and instant receipt is generated

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant submits checkout payment request to Humo Gateway
  • Humo clearing platform authenticates transaction via EMV 3DS rail
  • Transaction clears in real-time and funds are credited to merchant
  • Merchant system receives payment status webhook callback

🚀 Supported Payment Gateways & Acquirers (PSPs)

🔌 PayerMax