Online payment on your website: which methods to enable in Uzbekistan
The choice of payment methods determines how many visitors actually reach checkout. Uzbekistan's payment mix differs substantially from international norms.
The mandatory set of payment methods
Payme and Click together cover the vast majority of consumer online payments in the country. Missing either one directly loses orders, since customers rarely set up a card just for a single purchase.
Uzcard and Humo as separate card payment options matter too: part of the audience is used to paying via a bank's own form rather than a payment app.
How payment integration works technically
Each provider issues API keys once the merchant entity is registered and the agreement signed. The developer embeds a payment widget or redirect into the checkout flow.
Webhook handling is a separate requirement — notifications from the payment provider about payment status. Without it, an order can stay 'unpaid' in the database even after successful payment if the customer closes the tab before returning to the site.
Cash on delivery is not obsolete
In the regions, the share of cash-on-delivery orders is noticeably higher than in Tashkent — trust in prepayment builds more slowly there. A store that drops this option for the sake of a 'cleaner' flow loses a meaningful share of regional orders.
A sensible compromise is partial prepayment for expensive orders and full cash on delivery for cheaper ones, which reduces courier refusal risk.
Timeline and cost of setup
Merchant registration with Payme and Click takes from a few days to a couple of weeks on the provider's side. Technical integration on the site takes 2-4 days per system once the API is ready.
Acquiring fees need to be built into product pricing upfront — they vary by provider and business category and directly affect margins.