Uzum

Uzum is an Uzbekistan-based digital ecosystem headquartered in Tashkent that bundles e-commerce, fintech and digital banking into a single group: Uzum Market (the country's largest online marketplace), Uzum Tezkor (rapid food and grocery delivery), Uzum Bank (a licensed digital bank), and Uzum Nasiya (consumer BNPL / installment lending). Its developer-facing API surface is published by Uzum Bank at developer.uzumbank.uz, where nine OpenAPI contracts and a JSON-RPC 2.0 Banking-as-a-Service hub cover card acquiring (Uzum Checkout), QR and cash-register payments (Uzum Fast Pay, Dynamic QR), tax receipt fiscalization to the Uzbek State Tax Committee (Uzum Fiscalization), inbound and outbound cross-border money transfer (Uzum CrossBorder Transfer, Remit Core), installment contract origination (Uzum Nasiya Partner API), in-app merchant billing (Merchant API webhooks) and FX rate quoting (RateKeeper). Uzum Market additionally operates a seller-cabinet API at api-seller.uzum.uz for FBO/FBS order, inventory and price synchronization, which is credential-gated. All Uzum Bank API programs are onboarded through an account manager rather than self-service signup.

Uzum publishes 9 APIs on the APIs.io network, including Checkout, CrossBorder Transfer, Remit Core, and 6 more. Tagged areas include Company, Payments, Banking, Financial Services, and E-Commerce.

The Uzum catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Uzum’s developer surface includes documentation, API reference, getting-started guide, signup flow, engineering blog, support, authentication, and 23 more developer resources.

🌐 Visit website 📡 Source on GitHub

52.8/100 developing Agent 35/100 agent ready Full breakdown ↓
scored 2026-09-02 · rubric v0.18.0

11 APIs 1 MCP Servers

Company Payments BankingFinancial ServicesE-Commerce Marketplace Money Transfer Remittances BNPL Acquiring QR PaymentsFiscalizationBanking as a ServiceUzbekistanCentral Asia

Kin Score

Kin Score How this is scored →
scored 2026-09-02 · rubric v0.18.0

Composite quality — 52.8/100 · developing

Contract Quality 11.7 / 21

Developer Ergonomics 12.0 / 17

Access Clarity 7.2 / 17

Operational Transparency 2.6 / 11

Contract Governance 0.5 / 10

Discoverability 6.3 / 9

Regulatory Posture 10.3 / 15

Agent readiness — 35/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 5

Well-Known Catalog 4 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Surface 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/uzum: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 11

Individual APIs this provider publishes, each with its own machine-readable definition.

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Rate Limits 1

Documented rate limits and quota policies.

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal

GettingStarted

SignUp

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

MCPServer

MCPServer

LLMsTxt

LLMsTxt

AgentSkill

AgentSkill

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conformance

ErrorCatalog

Lifecycle

Conventions

DataModel

Webhooks

Build 3

SDKs, sample code, and the tooling you integrate with

Postman

Postman

Packages

Packages

DeclineCodes

DeclineCodes

Access & Security 3

Authentication, authorization, and security posture

Compliance

Compliance

Authentication

Authentication

DomainSecurity

DomainSecurity

Operate 3

Status, limits, changes, and where to get help

Support

Support

ChangeLog

ChangeLog

RateLimits

RateLimits

Commercial 3

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Plans

Plans

Company 2

The organization behind the API

Website

Website

Blog

Blog

Other 1

Properties that don't map to a standard resource type

Overlay

Overlay

Source (apis.yml)

aid: uzum
name: Uzum
description: 'Uzum is an Uzbekistan-based digital ecosystem headquartered in Tashkent that bundles e-commerce, fintech and
  digital banking into a single group: Uzum Market (the country''s largest online marketplace), Uzum Tezkor (rapid food and
  grocery delivery), Uzum Bank (a licensed digital bank), and Uzum Nasiya (consumer BNPL / installment lending). Its developer-facing
  API surface is published by Uzum Bank at developer.uzumbank.uz, where nine OpenAPI contracts and a JSON-RPC 2.0 Banking-as-a-Service
  hub cover card acquiring (Uzum Checkout), QR and cash-register payments (Uzum Fast Pay, Dynamic QR), tax receipt fiscalization
  to the Uzbek State Tax Committee (Uzum Fiscalization), inbound and outbound cross-border money transfer (Uzum CrossBorder
  Transfer, Remit Core), installment contract origination (Uzum Nasiya Partner API), in-app merchant billing (Merchant API
  webhooks) and FX rate quoting (RateKeeper). Uzum Market additionally operates a seller-cabinet API at api-seller.uzum.uz
  for FBO/FBS order, inventory and price synchronization, which is credential-gated. All Uzum Bank API programs are onboarded
  through an account manager rather than self-service signup.'
url: https://raw.githubusercontent.com/api-evangelist/uzum/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
image: https://developer.uzumbank.uz/en/img/logo.svg
specificationVersion: '0.20'
created: '2026-09-02'
modified: '2026-09-02'
tags:
- Company
- Payments
- Banking
- Financial Services
- E-Commerce
- Marketplace
- Money Transfer
- Remittances
- BNPL
- Acquiring
- QR Payments
- Fiscalization
- Banking as a Service
- Uzbekistan
- Central Asia
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
apis:
- aid: uzum-checkout
  name: Uzum Checkout
  description: Payment gateway for websites and mobile applications. Card payments (Visa, Mastercard, Uzcard, Humo), one-step
    and two-step authorization, back-to-back payment without the hosted form, card binding and recurring payments, full and
    partial refunds, reversal, and automatic receipt fiscalization. PCI DSS compliant. Authenticated with X-Terminal-Id and
    X-API-Key headers issued by Uzum Bank.
  humanURL: https://developer.uzumbank.uz/en/checkout
  baseURL: ''
  tags:
  - Payments
  - Acquiring
  - Cards
  - Refunds
  - Fiscalization
  properties:
  - type: OpenAPI
    url: openapi/uzum-checkout-openapi.yaml
  - type: Documentation
    url: https://developer.uzumbank.uz/en/checkout
- aid: uzum-crossborder-transfer
  name: Uzum CrossBorder Transfer
  description: International money transfer between Uzbekistan and other countries. Transfers to Uzbekistan by phone number
    or card number, transfers from Uzbekistan by card number, cross-border payments for services inside Uzbekistan, live FX
    conversion rates, transfer status checks, partner account balance and operation registry. HTTP Basic authentication issued
    per partner.
  humanURL: https://developer.uzumbank.uz/en/crossborder
  baseURL: https://crossborder.transfer.uz
  tags:
  - Money Transfer
  - Remittances
  - Cross Border
  - Foreign Exchange
  properties:
  - type: OpenAPI
    url: openapi/uzum-crossborder-openapi.yaml
  - type: Documentation
    url: https://developer.uzumbank.uz/en/crossborder
- aid: uzum-remit-core
  name: Remit Core
  description: Single integration point for cross-border remittances. Partners register, process, confirm, cancel and status-check
    CREDIT and DEBIT transfers; Remit Core handles routing, validation and interaction with national payment infrastructure.
    Also exposes FX conversion, recipient bank lookup by phone number, and partner balance. X-Api-Key header authentication;
    production connectivity is over IPSec.
  humanURL: https://developer.uzumbank.uz/en/remitcore
  baseURL: https://remit-core.ipt-merch.com
  tags:
  - Money Transfer
  - Remittances
  - Cross Border
  properties:
  - type: OpenAPI
    url: openapi/uzum-remitcore-openapi.yaml
  - type: Documentation
    url: https://developer.uzumbank.uz/en/remitcore
  - type: Postman
    url: https://developer.uzumbank.uz/remitcore/remitcore_postman_collection_credit.json
- aid: uzum-nasiya-partner
  name: Uzum Nasiya Partner API
  description: REST API for partner integration with the Uzum Nasiya installment (BNPL) service. Buyer registration through
    an Uzum Nasiya WebView, buyer status and credit limit checks, basket pre-calculation of installment terms, contract creation,
    SMS-code activation, and contract confirmation or cancellation. Bearer token authentication.
  humanURL: https://developer.uzumbank.uz/en/nasiya
  baseURL: https://merchants-api.uzumnasiya.uz
  tags:
  - BNPL
  - Installments
  - Lending
  - Consumer Credit
  properties:
  - type: OpenAPI
    url: openapi/uzum-nasiya-openapi.yaml
  - type: Documentation
    url: https://developer.uzumbank.uz/en/nasiya
- aid: uzum-fiscalization
  name: Uzum Fiscalization
  description: Fiscalizes sales and refund receipts and submits them to the Uzbekistan State Tax Committee through a Fiscal
    Data Operator. Generates receipt links, supports non-fiscal receipts for advance and credit payments, and accepts QR-code
    payment receipt data. Mandatory product-labeling arrays for regulated goods categories. API-key authentication issued
    per partner.
  humanURL: https://developer.uzumbank.uz/en/fiscalization
  baseURL: https://ofd-key.inplat-tech.com
  tags:
  - Fiscalization
  - Tax
  - Receipts
  - Compliance
  properties:
  - type: OpenAPI
    url: openapi/uzum-fiscalization-openapi.yaml
  - type: Documentation
    url: https://developer.uzumbank.uz/en/fiscalization
- aid: uzum-fast-pay
  name: Uzum Fast Pay
  description: Instant QR-code payments and payments through cash-register and POS / fiscal register systems, where the seller
    scans the customer's QR code from the Uzum Bank app. Payment processing, fiscalization, reversal and status check. Signed
    Authorization header of the form merchant_id:sha1_hash:timestamp.
  humanURL: https://developer.uzumbank.uz/en/fastpay
  baseURL: https://mobile.apelsin.uz
  tags:
  - Payments
  - QR Payments
  - Point of Sale
  properties:
  - type: OpenAPI
    url: openapi/uzum-fastpay-openapi.yaml
  - type: Documentation
    url: https://developer.uzumbank.uz/en/fastpay
- aid: uzum-dynamic-qr
  name: Uzum Dynamic QR
  description: Dynamic QR payment for a QR code printed on a POS receipt or shown on a cash-register screen, scanned by the
    customer in the Uzum Bank mobile application. Order creation and payment-link generation, order and payment status checks,
    fiscalization, reversal and cancellation.
  humanURL: https://developer.uzumbank.uz/en/dynamicqr
  baseURL: https://mobile.apelsin.uz
  tags:
  - Payments
  - QR Payments
  - Point of Sale
  properties:
  - type: OpenAPI
    url: openapi/uzum-dynamicqr-openapi.yaml
  - type: Documentation
    url: https://developer.uzumbank.uz/en/dynamicqr
- aid: uzum-merchant-api
  name: Uzum Merchant API
  description: Webhook protocol that lets partners accept payments from inside the Uzum Bank mobile application. Uzum Bank
    calls five partner-implemented webhooks — check, create, confirm, reverse and status — carrying payment data; the partner
    implements the handlers and returns responses per the specification. HTTP Basic authorization.
  humanURL: https://developer.uzumbank.uz/en/merchant
  baseURL: ''
  tags:
  - Payments
  - Webhooks
  - Billing
  properties:
  - type: OpenAPI
    url: openapi/uzum-merchant-openapi.yaml
  - type: Webhooks
    url: asyncapi/uzum-merchant-webhooks.yml
  - type: Documentation
    url: https://developer.uzumbank.uz/en/merchant
- aid: uzum-ratekeeper
  name: Uzum RateKeeper
  description: Partner-facing foreign-exchange rate service. Converts an amount between currencies at the current Uzum rate
    and returns the partner's conversion limits. Documented on the Uzum Bank developer portal as rate-keeper-back.
  humanURL: https://developer.uzumbank.uz/en/ratekeeper
  baseURL: ''
  tags:
  - Foreign Exchange
  - Rates
  properties:
  - type: OpenAPI
    url: openapi/uzum-ratekeeper-openapi.yaml
  - type: Documentation
    url: https://developer.uzumbank.uz/en/ratekeeper
- aid: uzum-payment-hub-baas
  name: Uzum BaaS Payment Hub
  description: Banking-as-a-Service JSON-RPC 2.0 API that lets partners embed payments, transfers and account and card operations
    inside Uzbekistan's national payment system. Covers account balance, history and attached-account listing, card binding
    and card lookup, merchant and merchant-category directories, and receipt creation for card-to-card, card-to-account, account-to-card,
    account-to-account and online card payments. HTTP Basic authentication over TLS 1.2. Documented as reference pages; no
    OpenAPI is published for this surface.
  humanURL: https://developer.uzumbank.uz/en/paymenthub/
  baseURL: ''
  tags:
  - Banking as a Service
  - JSON-RPC
  - Payments
  - Transfers
  properties:
  - type: Documentation
    url: https://developer.uzumbank.uz/en/paymenthub/
  - type: ErrorCatalog
    url: errors/uzum-paymenthub-error-codes.yml
- aid: uzum-market-seller
  name: Uzum Market Seller API
  description: 'Seller-cabinet API for Uzum Market used to synchronise marketplace orders, inventory and prices for both Fulfilment
    by Operator (FBO) and Fulfilment by Seller (FBS) models. Access requires an API token issued inside a seller''s own Uzum
    Market Seller cabinet; the host answers 403 "RBAC: access denied" anonymously and the Swagger UI redirects to a Keycloak
    login, so no public contract is available.'
  humanURL: https://seller.uzum.uz/
  baseURL: https://api-seller.uzum.uz
  tags:
  - E-Commerce
  - Marketplace
  - Orders
  - Inventory
  properties:
  - type: Documentation
    url: https://seller.uzum.uz/
common:
- type: Website
  url: https://uzum.com/en/
- type: DeveloperPortal
  url: https://developer.uzumbank.uz/en/
- type: Documentation
  url: https://developer.uzumbank.uz/en/
- type: APIReference
  url: https://developer.uzumbank.uz/en/checkout
- type: GettingStarted
  url: https://developer.uzumbank.uz/en/paymenthub/testing/getting-started/
- type: SignUp
  url: https://merchants.uzumbank.uz/en/
- type: Blog
  url: https://uzum.com/en/press-center/news-and-press-releases/
- type: TermsOfService
  url: https://uzum.com/en/privacy-and-terms/
- type: PrivacyPolicy
  url: https://uzum.com/en/privacy-and-terms/
- type: Support
  url: https://uzum.com/en/contacts/
- type: Postman
  url: https://developer.uzumbank.uz/remitcore/remitcore_postman_collection_credit.json
- type: Packages
  url: packages/uzum-packages.yml
- type: MCPServer
  url: mcp/uzum-mcp.yml
- type: LLMsTxt
  url: llms/uzum-llms.txt
- type: Overlay
  url: overlays/uzum-checkout-overlay.yaml
- type: Conformance
  url: conformance/uzum-conformance.yml
- type: Compliance
  url: conformance/uzum-conformance.yml
- type: ErrorCatalog
  url: errors/uzum-problem-types.yml
- type: DeclineCodes
  url: errors/uzum-decline-codes.yml
- type: Lifecycle
  url: lifecycle/uzum-lifecycle.yml
- type: Authentication
  url: authentication/uzum-authentication.yml
- type: DomainSecurity
  url: security/uzum-domain-security.yml
- type: Sandbox
  url: sandbox/uzum-sandbox.yml
- type: Conventions
  url: conventions/uzum-conventions.yml
- type: ChangeLog
  url: changelog/uzum-changelog.yml
- type: DataModel
  url: data-model/uzum-data-model.yml
- type: Webhooks
  url: asyncapi/uzum-merchant-webhooks.yml
- type: AgentSkill
  url: skills/_index.yml
- type: Plans
  url: plans/uzum-plans-pricing.yml
- type: RateLimits
  url: rate-limits/uzum-rate-limits.yml
x-enrichment:
  date: '2026-09-02'
  status: enriched
  artifacts_added: 43
  pass: local-v1

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