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Web development10 minApril 1, 2026

Payme, Click, Uzum: how to add online payment to your website

Robert MirovUpdated Apr 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. Need Payme/Click integration on your website? UZNEO builds e-commerce stores with online payment in 20–30 days, or connects Payme/Click to an existing site in 3–7 days. Message on Telegram — quote within 24 hours.

01Overview 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.

02How 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.

03Comparison: Payme vs Click vs Uzum

ParameterPaymeClickUzum
Commission1–1.5%1–2%0.8–1.5%
CardsUZCARD, HUMOUZCARD, HUMO, Visa, MCUZCARD, HUMO
Setup time5–7 days3–5 days5–10 days
WithdrawalsDailyDailyDaily
InstallmentsNoNoYes
Recommendation: connect at least two systems — Payme + Click or Payme + Uzum. This covers 95%+ of customers.

04Technical 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. Ready to integrate? UZNEO builds e-commerce stores with Payme/Click in 20–30 days, or connects payment to an existing site in 3–7 days. Message on Telegram — quote within 24 hours.

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01 · Overview of Uzbekistan's payment systems02 · How to connect: step-by-step process03 · Comparison: Payme vs Click vs Uzum04 · Technical requirements for your websiteSummary