Humo
Humo is a national payment system in Uzbekistan, established in September 2018. The primary objective of this project is to provide convenient and safe ways to conduct financial transactions. All major banks in the country issue Humo cards, and the system itself is controlled and managed by the National Center for Interbank Settlements (NCIS), the official national processing center.
Importantly, Humo is not limited to domestic transactions. It has partnerships with international payment giants such as Visa, Mastercard, and UnionPay. So Humo cards can be used not only for purchases in Uzbekistan but also abroad.
| Characteristic | Details |
|---|---|
| Regions | Uzbekistan and other CIS countries, including Kazakhstan, Kyrgyzstan, and Tajikistan |
| Getting started | Register on the platform and connect payment methods |
| Commission per transaction | 1.5% - 3% depending on the transfer amount |
| Payment methods accepted | VISA, MasterCard cards, local payment methods, Internet banking, as well as cash through ATMs and terminals |
| Fraud & Risk management | There is a system for monitoring suspicious transactions, but it’s worth setting up security filters additionally |
| Accepted Currencies | UZS, TJS, USD, etc. |
| Set up type | Online connection via your personal account. The platform provides detailed instructions |
| Onboarding & Approvals time | 2-5 business days |
| Recurring Billing | It is possible to set up automatic payments for subscriptions and recurring payments |
| Charges on Refunds | 0.5-1% of the refund amount |
| SDK stacks | PHP, JavaScript, Python |
| Settlement time | 1-3 business days |
| Payouts support | Yes, payments to bank accounts and other methods are supported |
| Split payments | Payments can be split between several recipients, but this requires additional setup. |
| RegionsUzbekistan and other CIS countries, including Kazakhstan, Kyrgyzstan, and Tajikistan | |
| Getting startedRegister on the platform and connect payment methods | |
| Commission per transaction1.5% - 3% depending on the transfer amount | |
| Payment methods acceptedVISA, MasterCard cards, local payment methods, Internet banking, as well as cash through ATMs and terminals | |
| Fraud & Risk managementThere is a system for monitoring suspicious transactions, but it’s worth setting up security filters additionally | |
| Accepted CurrenciesUZS, TJS, USD, etc. | |
| Set up typeOnline connection via your personal account. The platform provides detailed instructions | |
| Onboarding & Approvals time2-5 business days | |
| Recurring BillingIt is possible to set up automatic payments for subscriptions and recurring payments | |
| Charges on Refunds0.5-1% of the refund amount | |
| SDK stacksPHP, JavaScript, Python | |
| Settlement time1-3 business days | |
| Payouts supportYes, payments to bank accounts and other methods are supported | |
| Split paymentsPayments can be split between several recipients, but this requires additional setup. |
Pros
- dual interface cards — cards with contact and contactless features at the same time
- wide assortment — transport, student, and other cards for different needs
- without PIN code — you can transfer small amounts without entering a PIN code
- flexible system — card configuration/management
- transaction time — efficient processing that ensures fast transactions
- government support — reliability and security, as Humo operates within the government infrastructure
Cons
- limited availability — not available in all countries worldwide
- transaction fees — can sometimes be high for businesses
- training requirements — takes time to master the system
- technical support issues — sometimes difficult to get help
Humo Features
The Humo card operator offers several useful features worth noting. Firstly, you can pay for products/services online quickly and easily. It works with the most popular cards (credit and debit) and is therefore accessible to a wide range of people.
Moreover, there is an option for integration with different platforms and systems, which makes the process easier. Even if you have a small business, you can connect this gateway to your website and accept payments without any difficulties. This, by the way, is very helpful when selling goods online.
It's great that Humo supports more than just one currency. If you work with international clients, you won't have to worry about currency conversion or possible payment problems.
The interface is quite intuitive. Even if you have never dealt with similar services before, it will not be difficult to figure it out. Everything works quickly and hassle-free.
Would you like to have strict control over your finances? Be sure to set up notifications. This option turns out to be quite beneficial. After all, this way you will always be aware of your expenses and receipts.
How to Use Humo
There are just a few steps to start using Humo:
- Register on the site or in the application, providing personal details.
- Link a bank card.
- Choose the product or service you want to buy.
- At the payment stage, select Humo as a payment method.
- Confirm the transaction.
In fact, everything is very simple. Plus, if users have questions, support representatives are always ready to help.
Humo Payment System Review
The Humo payment gateway provides companies with convenient tools for receiving payments while allowing individuals to transfer money effortlessly. It has a high level of security. Fees vary, but in general, they are quite reasonable. More details below.
Security
User reviews highlight that Humo Pay is proactive in preventing fraud. It employs SSL encryption to protect user data from outsiders. Besides, the system requires two-factor authentication – this is when, in addition to the password, you need to confirm your identity in another way, for example, through a code on your phone. This makes account access even more secure.
Humo also uses tokenization technology to ensure that card data is not stored on the server and, therefore, cannot be stolen. In case of suspicious activity, Humo blocks the transaction immediately.
Humo Account Fees
Humo bank offers convenient and transparent conditions for its users. Thus, cashless payments are only 0.5%, which is quite profitable. If you need to use SMS banking, the service will cost 24,000 Uzbek soums. For online payments, the commission is also 0.5%.
Annual card maintenance is completely free. Transferring funds to cards of other JSCB Kapitalbank clients will cost 0.7%, while cash withdrawals at bank branches remain free of charge. But if you decide to take out cash from JSCB Kapitalbank ATMs, the commission will be 1%. Please note that cash withdrawals outside of Uzbekistan are currently not possible.
Humo Pay for Business
What does Humo bank offer to modern businesses? The key aspect is that it provides fast and reliable transactions, which is certainly important for customer trust. Here is a more complete list of benefits:
- Payments. Simplifies the process of accepting payments from customers.
- Security. Protects financial information through special encryption technologies to keep customer data safe.
- Convenience. Integrates with online stores and mobile apps, ensuring a fast and easy payment experience for everyone.
- Favorable price. Offers various tariff plans suitable for both small companies and large businesses.
- Reports and analytics. Provides transaction reports to help track revenue and analyze customer behavior.
Humo also provides 24/7 customer support to quickly resolve any issues that may arise. The company regularly updates its services/technologies to stay one step ahead in terms of convenience and security.
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FAQ
How to pay for purchases using Humo?
Just select Humo as a payment method at the checkout stage and confirm the transaction via SMS. It's as easy as pie!
Is there a fee for transfers and cash withdrawals?
Yes, the transfer fee ranges from 1.5% to 3% depending on the amount. Cash withdrawals from ATMs usually cost 1% but are free at bank branches.
Is it possible to use Humo in other countries?
Certainly, Humo cards work not only in Uzbekistan, but also in other CIS countries such as Kazakhstan, Kyrgyzstan, and Tajikistan.
