Web development10 minApril 1, 2026
Payme, Click, Uzum: how to add online payment to your website
Online payment is an essential element of a modern website in Uzbekistan. The three main payment systems — Payme, Click, and Uzum Bank — cover over 90% of the market. Let's break down how to connect each one, what documents you need, and how much it costs.
Overview of Uzbekistan's payment systems
Payme — the most popular system, over 10 million users. Commission: 1–1.5%. Supports UZCARD and HUMO cards.
Click — second most popular. Commission: 1–2%. Convenient API for integration. Supports UZCARD, HUMO, Visa, Mastercard.
Uzum Bank (formerly Apelsin) — rapidly growing system. Commission: 0.8–1.5%. Wide functionality: QR payment, installments, subscriptions.
All three systems work via API — meaning payment happens directly on your website, without redirecting to external pages.
How to connect: step-by-step process
Step 1. Business registration. All payment systems require a TIN and a bank account in Uzbekistan.
Step 2. Application. Fill out the form on Payme/Click/Uzum website. Attach: registration certificate, license (if needed), product/service description.
Step 3. Contract signing. Review period: 3–7 business days. After approval, you'll receive API keys.
Step 4. Technical integration. Developer connects the API to your website. Timeline: 1–3 days for an experienced team.
Step 5. Testing. Mandatory functionality check before launch.
Comparison: Payme vs Click vs Uzum
| Parameter | Payme | Click | Uzum |
|-----------|-------|-------|------|
| Commission | 1–1.5% | 1–2% | 0.8–1.5% |
| Cards | UZCARD, HUMO | UZCARD, HUMO, Visa, MC | UZCARD, HUMO |
| Setup time | 5–7 days | 3–5 days | 5–10 days |
| Withdrawals | Daily | Daily | Daily |
| Installments | No | No | Yes |
Recommendation: connect at least two systems — Payme + Click or Payme + Uzum. This covers 95%+ of customers.
Technical requirements for your website
For payment system integration, your website must have:
• SSL certificate (HTTPS) — mandatory requirement of all payment systems.
• Server-side (backend) — for processing payment callback notifications.
• Cart/order page — with products and total amount.
• Successful payment page — confirmation for the client.
If you have a static site or landing page — you can use Payme/Click payment links without full integration. Client clicks a button → goes to payment page → pays.
Summary
Adding online payment isn't complicated if you have a registered business and a quality website. Payme + Click cover 95% of customers. Integration takes 3–7 days. Result — clients pay directly on your site, and you receive money daily.
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