Humo
国家/地区: 乌兹别克斯坦 (UZ) | 底层清算轨道: card_network
Card
市场普及率: 22%
Humo 是乌兹别克斯坦央行主导的国家级非接触式支付卡网络与清算系统，以 EMV 芯片非接和现代化在线网关为核心，广泛用于公共交通、商户刷卡及电商购物。
🔄 用户付款交互流 (User Flow)
- User selects Humo Card at checkout
- User enters 16-digit Humo card number (starting with 9860) and validity
- User inputs 3DS SMS verification code sent by issuing bank
- Payment is completed and instant receipt is generated
⚙️ 支付与结算特征
| 即时清算 | YES |
| 扫码支付 (QR) | YES |
| 订阅自动代扣 | YES |
| 退款支持 | YES |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- 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
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 PayerMax