ecommerce
Integrating Click, Payme, and Uzcard: step-by-step for e-commerce
How to connect Click, Payme, and Uzcard to your site or Telegram bot in Uzbekistan. Acquiring contract, technical requirements, real 2026 timelines and fees.
This guide is based on SAMSA.AGENCY project practice, the local Uzbekistan market and technical reviews of digital products.
Accepting online payments in Uzbekistan is not an API key and a commit. It is a contract with an acquiring bank, content moderation, and technical requirements that are materially different from Stripe or PayPal. Below is the battle-tested path to Click, Payme, and Uzcard — no prod-day surprises.
Quick pick: UZ payment gateways
| Gateway | UZ coverage | Fee | Integration complexity |
|---|---|---|---|
| Click | ~95% of smartphones | 1.5–2.5% | Medium |
| Payme | ~85% active | 1.5–2% | Medium |
| Uzcard | ~70% of UZ cards | 1–1.8% | High (via bank) |
| Humo | ~60% of UZ cards | 1.2–2% | Medium |
| Stripe (for international) | 0% in UZ | 2.9% + $0.30 | Low |
Minimum set for UZ e-commerce: Click + Payme + Uzcard. That covers 95% of the audience. The remaining 5% is cash-on-delivery or bank transfer.
Connecting Click step by step
- Register on my.click.uz as a merchant. Required scans: founding docs, tax ID, registry extract, director's passport
- Pass the site moderation: live domain, privacy policy, offer, real goods/services with prices
- Get `service_id`, `merchant_id`, `secret_key`, `user_id` in your dashboard
- Implement `/click/prepare` — validate order before payment
- Implement `/click/complete` — Click sends the final callback on success
- Add MD5 signatures on every request (replay protection)
- Test in the sandbox — Click gives test credentials
- Activate production after contract signing and successful testing
Typical timelines: registration 2–7 days, moderation 3–10 days, integration 3–5 days (for a ready site), testing and activation 2–3 days. Total: **2–3 weeks from application to first transaction**.
Payme: a different pattern
Unlike Click, Payme uses JSON-RPC 2.0 and requires your server to implement a suite of methods: `CheckPerformTransaction`, `CreateTransaction`, `PerformTransaction`, `CancelTransaction`, `CheckTransaction`, `GetStatement`. In other words, Payme calls your server — not the other way around.
- Register on business.paycom.uz as a merchant
- Get merchant ID and key (separate test + production)
- Implement all 6 required methods with correct error codes
- Basic auth for incoming Payme calls
- Pass Payme's technical review via test transactions
- Moderation: 3–7 days
Critical: methods must respond in ≤2 seconds, otherwise Payme treats the transaction as stuck. For high-load systems, move work to a queue (Redis + BullMQ).
Uzcard and Humo — bank-only
Direct integration with Uzcard and Humo is not available for small merchants. It goes via an acquiring bank that already has a contract with Uzcard Processing Center. Popular options:
- Kapitalbank (capital.uz) — active acquiring development
- Ipoteka Bank — broad coverage
- Asia Alliance Bank — fast KYC
- TBC Bank UZ — modern API, friendly dashboard
Timeline via bank: 3–6 weeks. Required: settlement account in that bank, volume limits, KYB docs. For small merchants without revenue, banks often ask for a deposit or prepaid commission.
Payment architecture on the site
- Frontend creates order → `POST /api/orders` → returns `order_id` + payment gateway URLs
- User picks Click/Payme/Uzcard → redirect to gateway page
- After payment — callback (webhook) to your server
- Validate callback signature → update order status in DB
- Send confirmation via email + Telegram bot
- Record the transaction in accounting
Common pitfalls in 2026
1. Sandbox-only fields
Click and Payme allow details in their sandbox that prod rejects. You need to test with real amounts (from 1,000 sum) and real cards — otherwise edge cases are not caught.
2. Refunds and partial refunds
Uzbek law requires refunds within 10 business days. Click supports partial refunds via API, Payme only full. Uzcard refunds go via the bank — can take 1–3 weeks.
3. Recurring / subscriptions
Click has supported tokenization since January 2025 — a saved card for later charges. Payme has this too via a separate API. Uzcard officially does not; use manual invoicing.
Legal obligations
- Offer (terms of service) on the site — mandatory
- Privacy policy — mandatory (UZ law on personal data)
- Merchant TIN and name visible on the payment page
- Online-receipt (KKM) — required for all UZ e-commerce since 2023
- VAT registration when turnover > 1B sum/year
Frequently asked questions
How much to connect Click, Payme, and Uzcard to a site?
Technical integration: Click — $400–800, Payme — $500–1,000 (JSON-RPC is harder), Uzcard via bank — $800–1,500. Turnkey package for an online store: $1,500–3,000 one-off, plus 1–2.5% transaction fees.
Click, Payme, or both?
Connect both for a UZ site/store: Click (~95% coverage) and Payme (~85%) complement each other. Customers pick in checkout. If you must pick one — Click: wider coverage, simpler integration.
What are the UZ gateway fees?
Click: 1.5–2.5%. Payme: 1.5–2%. Uzcard (via bank): 1–1.8%. Humo: 1.2–2%. Exact rate depends on volume — usually lower after $10k/month.
Do I need an online cash register (KKM)?
Yes, mandatory for all UZ e-commerce since 2023 regardless of volume. Popular providers: MCHJ, PayNet, Uzum. Cost $15–50/mo, API integration 1–3 days.