Crypto payment infrastructure expanded in 2026: the gateway market is projected at $2.39 billion, retail volume at $600 billion, and stablecoin volume at over $33 trillion. Blockchain rails settle transfers in minutes rather than the 2–5 days typical of SWIFT, while encryption and final settlement protect data and remove chargeback risk. A payment gateway lets merchants accept these transactions securely by routing data, locking rates, monitoring confirmations, and settling funds.
The best option for Uzbek businesses in 2026 is NOWPayments. It supports stablecoin payments and 350+ digital assets, charges 1% for single-currency deposits and 1.5% for multi-currency deposits with partner rates as low as 0.3%, and clears 99% of payments in under one minute. Its ecosystem ties together acceptance, payouts, conversions, wallets, and treasury workflows, making it the strongest fit for high-volume merchants, cross-border teams, SaaS companies, affiliate platforms, and creators.
Here is a list of the top payment gateways in Uzbekistan in 2026:
- NOWPayments
- Payme.uz
- Click.uz
- Uzum Bank
- GlobalPay.uz
How We Ranked the Best Payment Gateway
We compared each payment processor on the features that matter most to Uzbek and international merchants in 2026. Our review concentrated on supported payment methods, transaction costs, and business-focused capabilities that help merchants scale and automate operations without adding unnecessary banking complexity.
- Supported Payment Methods: We checked coverage for UzCard, Humo, Visa, Mastercard, UnionPay, cryptocurrencies, stablecoins, wallets, QR codes, and installment options.
- Transaction Fees: We compared processing fees, conversion spreads, payout costs, network fees, monthly fees, and custom volume rates.
- Business-Focused Features: We evaluated mass payouts, API quality, settlement speed, custody workflows, email payouts, plugins, invoicing, subscriptions, treasury automation, and support.
The comparison table below summarizes how each gateway performs in these three decisive categories, which we explore in detail for each provider.
| Feature | 🥇 NOWPayments | 🥈 Payme.uz | 🥉 Click.uz | Uzum Bank | GlobalPay.uz |
|---|---|---|---|---|---|
| Fee | 0.3%–1.5% | ~1.0%–1.5% | ~1.0%–2.0% | ~0.8%–1.5% | UzCard/Humo 1.0%–1.2%; Visa 3.5%; MC/UnionPay 3.0%–3.3% |
| Speed | 99% under 60 seconds; email payouts under 1 second |
Auth ~2–5 seconds; payouts within 24 hours |
Auth ~2–5 seconds; payouts within 24 hours |
Auth ~2–5 seconds; payouts within 24 hours |
Auth ~2–5 seconds; payouts within 24 hours |
| Checkout | ✅ | ✅ | ✅ | ✅ | ✅ |
| Mass Payouts | ✅ | ❌ | ❌ | ❌ | ❌ |
| API | ✅ | ✅ | ✅ | ✅ | ✅ |
| Plugins | ✅ | ✅ | ✅ | ✅ | ✅ |
| Stablecoins | ✅ | ❌ | ❌ | ❌ | ❌ |
| 24/7 Support | ✅ | ❌ | ❌ | ❌ | ❌ |
| Best For | High-volume crypto & cross-border |
Local e-commerce trust |
Broad local reach |
BNPL / young users |
Multi-scheme local aggregator |
*Rates, supported assets, and settlement options change frequently. Verify current terms on each provider’s official site before signing up.
NOWPayments
Best for: high-volume businesses that need a crypto payment and payout layer for stablecoin settlement, mass payouts, conversions, and cross-border operations.
NOWPayments is a crypto payment gateway for accepting digital assets, converting coins, sending mass payouts, and managing treasury workflows from one account. Uzbek sellers typically pair it with a local som gateway rather than using it as a standalone checkout replacement. It fits brands that pay with crypto to global affiliates, creators, freelancers, or remote teams, as well as IT Park residents and SaaS exporters who accept crypto payments and need low-cost international rails.
Supported Payment Methods. NOWPayments supports crypto, stablecoin, and fiat settlement through a single account. Merchants can accept 350+ cryptocurrencies and major stablecoins, including USDT and USDC, on multiple blockchains. Funds can be held in custody, converted, or routed to mass payouts and email transfers. Fiat settlement is available via integrated off-ramps, making the platform flexible for hybrid treasury workflows.
| Feature | NOWPayments |
| USDT | ✅ |
| USDC | ✅ |
| Altcoins | 350+ |
| Fiat | Via partners |
| Mass payouts | ✅ |
| Custody payouts | ✅ |
| Email payouts | ✅ |
Transaction Fees. NOWPayments uses a partnership-based pricing model rather than a flat retail rate. Standard deposits start at 1% for single-currency payments and 1.5% for multi-currency payments, with partner rates as low as 0.3%. Conversions cost 0.5%, crypto payouts carry a 0% service fee, and ChangeNOW Pro payouts have a $0 network fee.
| Fee Type | Rate |
| Single-currency deposits | From 1%, down to 0.3% for eligible partners |
| Multi-currency deposits | From 1.5% |
| Conversions | 0.5% |
| Crypto payouts | 0% service fee |
| ChangeNOW Pro payouts | $0 network fee |
| Integration, setup, dedicated support | Free |
Business-Focused Features. NOWPayments focuses on fast settlement and automated payout flows. It confirms 99% of incoming payments in under one minute and supports mass payouts to wallet addresses or emails in under one second through its ecosystem solution. Merchants can manage custody balances, set withdrawal whitelists, and automate treasury tasks through the dashboard or API. The platform also provides 24/7 support, e-commerce plugins, and subscription tooling for scaling operations.
| Feature Area | Key Capabilities |
| Revenue tools | Payments, payouts, custody, conversions |
| Speed | 99% under 60 seconds; email payouts under 1 second |
| Automation | API, CSV, dashboard, webhooks |
| Stablecoins | USDT, USDC, auto-conversion |
| Support | 24/7 assistance |
Sources:
Payme.uz
Best for: Uzbek and Slovak SMEs and e-commerce merchants that need the most recognized local gateway with Uzbek-language support.
Payme.uz ranks among the most recognized checkout providers in Uzbekistan, with a long track record serving thousands of local sellers. The payment solution supports UzCard and Humo cards, QR payments, and recurring billing for small and mid-sized e-shops. Merchants value its fast onboarding, domestic support, and familiar brand name at the point of sale. It works best as a primary local gateway for Uzbek SMEs focused on som-based online sales.
Supported Payment Methods. Payme.uz covers the most common Uzbek checkout methods. Merchants can accept UzCard and Humo cards, Visa and Mastercard, and QR payments through Payme GO / Tez QR. The gateway also handles payment links, tokenized recurring charges, and in-store QR purchases. This mix makes it a strong fit for local e-shops serving Uzbek shoppers.
| Feature | Payme.uz |
| UzCard | ✅ |
| Humo | ✅ |
| Visa / Mastercard | ✅ |
| QR payments | ✅ |
| Recurring / tokenization | ✅ |
| Mass payouts | ❌ |
| Crypto / stablecoins | ❌ |
Transaction Fees. Payme.uz does not publish fixed per-transaction fees publicly. Typical merchant acquiring rates for UzCard and Humo range from 1.0% to 1.5%, with final pricing negotiated per contract based on turnover and sector. Setup is generally free for standard onboarding.
| Plan | Fee |
| Standard UzCard / Humo | ~1.0%–1.5% |
| Visa / Mastercard | Contract-specific |
Business-Focused Features. Payme.uz specializes in local checkout, recurring billing, and mobile payments. It offers authorization in 2–5 seconds for all supported methods and payouts within 24 hours to the merchant’s Uzbek bank account. Merchants get a JSON-RPC 2.0 Merchant API, hosted widgets, fiscal receipt integration, and a mobile merchant app. The platform also supports subscriptions, refunds, and one-click payments for returning customers.
| Feature Area | Key Capabilities |
| Local methods | UzCard, Humo, Visa, Mastercard, QR |
| Speed | Auth ~2–5 seconds; payouts within 24 hours |
| Recurring billing | Subscriptions, card tokenization |
| Integrations | API, widgets, plugins |
| Support | Business-day support |
Sources:
Click.uz
Best for: merchants wanting broad local reach, fast onboarding, and utility-style recurring payments.
Click.uz is Uzbekistan’s largest digital payment platform by usage, processing an estimated 45% of online payments. It started with utility and mobile payments, but its Merchant API now powers e-commerce sites, Telegram bots, and service platforms across the country. The payment processor supports UzCard, Humo, Visa, and Mastercard through a REST API and hosted checkout. It suits sellers seeking the widest consumer footprint with a short setup timeline.
Supported Payment Methods. Click.uz covers the dominant Uzbek payment methods. Merchants can accept UzCard and Humo cards, Visa and Mastercard, and payments through the Click mobile wallet. The gateway also supports QR payments, Telegram bot integration, and e-commerce plugins for WooCommerce and OpenCart. This range works for both domestic som checkout and businesses with card-paying customers.
| Feature | Click.uz |
| UzCard / Humo | ✅ |
| Visa / Mastercard | ✅ |
| Click Wallet | ✅ |
| QR payments | ✅ |
| Telegram bot | ✅ |
| Mass payouts | ❌ |
| Crypto / stablecoins | ❌ |
Transaction Fees. Click.uz does not publish a single public rate card. Typical merchant acquiring fees range from 1.0% to 2.0%, with UzCard and Humo often near 1.0% and Visa/Mastercard closer to 1.5%–2.5%. Final rates depend on contract terms and monthly volume.
| Plan | Fee |
| UzCard / Humo | ~1.0% |
| Visa / Mastercard | ~1.5%–2.5% |
Business-Focused Features. Click.uz combines a large user base with developer-friendly integration options. It provides a REST API with Prepare/Complete callbacks, a SHOP API for in-app payments, and hosted payment widgets. Authorization completes in 2–5 seconds, settlement typically arrives within 24 hours, and the platform supports full refunds, card tokenization, and transaction monitoring.
| Feature Area | Key Capabilities |
| Local methods | UzCard, Humo, Visa, Mastercard, wallet, QR |
| Speed | Auth ~2–5 seconds; payouts within 24 hours |
| Integration | REST API, SHOP API, plugins, Telegram bot |
| Recurring | Card tokenization |
| Support | Business-day support |
Sources:
Uzum Bank
Best for: younger, mobile-first audiences and businesses wanting BNPL and marketplace integration.
Uzum Bank is the financial arm of Uzbekistan’s largest digital ecosystem, formerly known as Apelsin. It combines banking, marketplace payments, delivery, and micro-lending into one platform. For merchants, the biggest differentiator is Uzum Nasiya, a built-in buy-now-pay-later service. The payment solution fits brands targeting young shoppers or sellers already active inside the Uzum marketplace ecosystem.
Supported Payment Methods. Uzum Bank supports UzCard and Humo cards, Visa payments through Uzum cards, QR payments via Uzum To‘lov, and installment plans through Uzum Nasiya. Merchants can also access the broader Uzum ecosystem, including Uzum Market and Uzum Tezkor. This integration works well for businesses that want checkout tied to a super-app audience.
| Feature | Uzum Bank |
| UzCard / Humo | ✅ |
| Visa (Uzum card) | ✅ |
| QR payments | ✅ |
| BNPL / installments | ✅ |
| Marketplace integration | ✅ |
| Mass payouts | ❌ |
| Crypto / stablecoins | ❌ |
Transaction Fees. Uzum Bank does not publish standard merchant acquiring rates. Typical fees reported by integration guides range from 0.8% to 1.5%, with final pricing depending on product category, turnover, and contract terms. Uzum Nasiya carries a separate BNPL tariff.
| Plan | Fee |
| Standard acquiring | ~0.8%–1.5% |
| Uzum Nasiya / installments | Separate tariff |
Business-Focused Features. Uzum Bank focuses on ecosystem-driven commerce. It offers unified QR payments, subscription billing, and BNPL options that can increase average order value by up to 50% and turnover by up to 30%, according to Uzum’s merchant reporting. The platform also provides authorization in 2–5 seconds, settlement within 24 hours, and deep integration with Uzum Market.
| Feature Area | Key Capabilities |
| Local methods | UzCard, Humo, Visa, QR, BNPL |
| Speed | Auth ~2–5 seconds; payouts within 24 hours |
| Ecosystem | Uzum Market, Uzum Tezkor, Uzum Bank cards |
| BNPL | Uzum Nasiya installments |
| Support | Business-day support |
Sources:
GlobalPay.uz
Best for: cost-conscious Uzbek merchants wanting transparent local pricing and multi-scheme card acceptance.
GlobalPay.uz is a local payment aggregator that offers a single gateway for multiple card schemes. The provider publishes fixed-rate pricing, which is rare among Uzbek payment processors. Its omnichannel approach lets merchants accept UzCard, Humo, Visa, Mastercard, and UnionPay through one integration. It appeals to local retailers and mid-market brands that want clear costs combined with domestic support.
Supported Payment Methods. GlobalPay.uz supports UzCard, Humo, Visa, Mastercard, and UnionPay cards. Merchants can accept payments through a hosted widget, API integration, e-commerce plugins, or a Telegram bot. The platform also handles payment splitting, invoicing, and corporate card acceptance.
| Feature | GlobalPay.uz |
| UzCard | ✅ |
| Humo | ✅ |
| Visa | ✅ |
| Mastercard | ✅ |
| UnionPay | ✅ |
| Mass payouts | ❌ |
| Crypto / stablecoins | ❌ |
Transaction Fees. GlobalPay.uz advertises fixed final prices on its website. UzCard and Humo transactions cost 1.0%–1.2%, Visa costs 3.5%, and Mastercard and UnionPay cost 3.0%–3.3%. Rates vary by annual turnover band.
| Payment Method | Fee |
| UzCard | 1.0%–1.2% |
| Humo | 1.0%–1.2% |
| Visa | 3.5% |
| Mastercard | 3.0%–3.3% |
| UnionPay | 3.0%–3.3% |
Business-Focused Features. GlobalPay.uz offers online payment acceptance through one account. It provides authorization in 2–5 seconds and payouts within 24 hours for local card networks. Merchants get a payment widget, API access, e-commerce plugins, tax-system integration for fiscal receipts, and a merchant cabinet with analytics.
| Feature Area | Key Capabilities |
| Card schemes | UzCard, Humo, Visa, Mastercard, UnionPay |
| Speed | Auth ~2–5 seconds; payouts within 24 hours |
| Integration | Widget, API, plugins, Telegram bot |
| Operations | Refunds, invoicing, payment splitting |
| Support | Business-day support |
Sources:
How to Choose the Right Gateway
Selecting a gateway depends on your customer base, transaction volume, technical resources, and payout needs. Use the steps below to narrow the choice.
- Match local payment habits. Uzbek shoppers prefer UzCard, Humo, and mobile wallets, so a local gateway is usually needed for som checkout.
- Add crypto only when relevant. NOWPayments works best as a crypto layer alongside a local som gateway.
- Compare total cost. Include processing fees, conversion spreads, fixed fees, payout costs, and monthly charges.
- Check settlement speed. Faster access to cash flow matters for high-volume sellers.
- Test integrations. Make sure the provider offers plugins or APIs for your platform.
- Run a pilot. Test conversion, settlement, reconciliation, and support before full rollout.
When Payment Gateways May Not Be a Good Option
A payment gateway may not be suitable for every business model. Avoid relying on a provider if:
- Your customers only use a payment method the provider does not support.
- The provider cannot settle in your required currency or timeframe.
- Compliance requirements in your industry exceed the provider’s coverage.
- Fees make low-margin products unprofitable.
- You need features such as mass payouts or stablecoin settlement that the gateway lacks.
Payment Gateway Fees Compared
Cost structures vary from flat percentage rates to custom enterprise pricing. Understanding the total cost of ownership, including processing fees, conversion spreads, payout costs, and network fees, helps merchants choose a suitable provider for their volume.
| Provider | Platform Fee | Fixed Fee | $1,000 Cost Example |
| NOWPayments ⭐️ | 0.3%–1.5% | $0 | ~$3–$15 |
| Payme.uz | ~1.0%–1.5% | 0 UZS | ~$10–$15 |
| Click.uz | ~1.0%–2.0% | 0 UZS | ~$10–$20 |
| Uzum Bank | ~0.8%–1.5% | 0 UZS | ~$8–$15 |
| GlobalPay.uz | 1.0%–3.5% | 0 UZS | ~$10–$35 |
*Rates are based on publicly available pricing pages and may vary by volume, verification level, and settlement method. Verify current fees directly with each provider.
Total Cost Analysis
NOWPayments is the most competitive for large crypto flows, with 0% payout service fees and $0 network fees on eligible ChangeNOW Pro transfers.
Payme.uz is competitive for local som e-commerce and offers strong brand recognition at checkout.
Click.uz is strong for broad local reach, though Visa and Mastercard rates can run higher than local card fees.
Uzum Bank has the lowest reported starting rate among local wallets and adds BNPL upside, but exact pricing is contract-dependent.
GlobalPay.uz has the most transparent published rate card for local and international cards, though Visa and UnionPay fees are higher than local network rates.
Fiat vs Crypto Gateway Models
Businesses in Uzbekistan can choose between local fiat gateways and crypto-native platforms. Each model controls funds, settlement speed, and operational responsibility differently.
Crypto-native platforms (merchant custodies or converts digital assets):
- NOWPayments
Crypto payment solutions such as NOWPayments handle digital-asset acceptance, conversions, and mass payouts, often with faster settlement but exposure to network fees and custody risk.
Local fiat gateways (provider manages banking rails):
- Payme.uz
- Click.uz
- Uzum Bank
- GlobalPay.uz
These providers route card and bank-transfer transactions through licensed banking infrastructure, simplifying som checkout but relying on traditional settlement cycles.
Which Payment Gateway Should You Choose?
Match a provider to your business model, transaction volume, compliance needs, and technical resources. NOWPayments stands out as the best crypto payment gateway and the strongest specialist option for digital-asset operations.
Choose NOWPayments if you:
- need crypto acceptance, stablecoin settlement, or mass payouts
- want 0% payout service fees and $0 network fees on eligible ChangeNOW Pro transfers
- process high volumes and need 24/7 support and API-driven treasury workflows
- operate across borders or serve affiliates, marketplaces, gaming platforms, and cross-border teams
Choose Payme.uz if you:
- need a recognized local gateway for Uzbek e-commerce
- want UzCard and Humo coverage with strong consumer trust
- rely on QR payments and recurring billing
Choose Click.uz if you:
- want the broadest local consumer footprint
- need fast onboarding and a developer-friendly REST API
- serve customers who prefer wallet-based checkout
Choose Uzum Bank if you:
- target young, mobile-first shoppers
- want BNPL through Uzum Nasiya
- sell on or integrate with Uzum Market
Choose GlobalPay.uz if you:
- prefer a local aggregator with widgets and plugins
- want transparent published rates for multiple card schemes
- need one integration for UzCard, Humo, Visa, Mastercard, and UnionPay