Qitero Qitero

Uzum Pay

Country: Uzbekistan (UZ)  |  Payment Rail: closed_loop_wallet

DigitalWallet Market Adoption: 12%

Uzum Pay is the integrated digital wallet and fintech payment platform of the Uzum unicorn ecosystem in Uzbekistan, featuring one-click checkout and Uzum Nasiya BNPL installments widely used for marketplace shopping and deliveries.

🔄 User Payment Flow

  1. User selects Uzum Pay / Uzum Nasiya installment at checkout
  2. User opens Uzum Bank app or approves in-app checkout
  3. User chooses payment from Uzum Card balance, linked cards, or BNPL split
  4. User authorizes transaction with FaceID or security PIN
  5. Order is confirmed with cashback points credited instantly

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant initiates payment session via Uzum Pay E-Commerce API
  • Uzum platform provides unified checkout covering debit and BNPL installments
  • Customer approves purchase within Uzum Super App ecosystem
  • Uzum Bank settles payment to merchant with instant webhook confirmation