# Uzum

**Canonical:** https://apis.io/providers/uzum/  
**Website:** https://uzum.com/en/  
**APIs profiled:** 11

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.

## Kin Score — 52.8 / 100 (developing)

Scored 2026-09-02 under rubric 0.18.0.

| Facet | Score |
|---|---|
| Discoverability | 74.1 |
| Contract Quality | 54.9 |
| Governance | 4.5 |
| Contract Governance | 4.5 |
| Operational Transparency | 23.7 |
| Developer Ergonomics | 70.8 |
| Commercial Clarity | 42.1 |
| Access Clarity | 42.1 |

Regulatory layer — **Payments**: 68.8 (matched via tags).

## Agent readiness — 35.2 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | documented |
| Auth Clarity | bearer |
| Idempotency | no |
| Error Semantics | verified |
| OpenAPI Examples | partial |
| Rate Limit Signal | documented |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | yes |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## APIs (11)

- **Uzum Checkout** — 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 hoste...
- **Uzum CrossBorder Transfer** — International money transfer between Uzbekistan and other countries. Transfers to Uzbekistan by phone number or card number, transfers from Uzbekistan by card number, cross-bord...
- **Remit Core** — Single integration point for cross-border remittances. Partners register, process, confirm, cancel and status-check CREDIT and DEBIT transfers; Remit Core handles routing, valid...
- **Uzum Nasiya Partner API** — 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...
- **Uzum Fiscalization** — 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...
- **Uzum Fast Pay** — 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 proc...
- **Uzum Dynamic QR** — 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 pay...
- **Uzum Merchant API** — Webhook protocol that lets partners accept payments from inside the Uzum Bank mobile application. Uzum Bank calls five partner-implemented webhooks — check, create, confirm, rev...
- **Uzum RateKeeper** — 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 ...
- **Uzum BaaS Payment Hub** — 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 ba...
- **Uzum Market Seller API** — 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. Acce...

## MCP servers (1)

- **Uzum MCP Server**

## Security (2)

- **Uzum Authentication** — apiKey/http · 3 schemes
- **Uzum Domain Security** — TLSv1.3 · HSTS · DMARC

## Plans (1)

- **Uzum Plans Pricing**

## Tags

Company, Payments, Banking, Financial Services, E-Commerce, Marketplace, Money Transfer, Remittances, BNPL, Acquiring, QR Payments, Fiscalization, Banking as a Service, Uzbekistan, Central Asia

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/uzum/). Scores are computed from the provider's own public artifacts under a published rubric.