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I have questions about payment
I have questions about payment
You can contact us via the Internet, by e-mail at
support@nmpc.uz or at any time of the day by phone +99871 200 08 88.
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What is a Humo card?
A “Humo” card is a national payment card that meets high international security standards. This card makes available for you not only familiar financial operations, but also a wide range of additional functions and bonuses.
The Humo card will allow you:
- payment for goods and services yourself or on the Internet, while receiving cashback up to 20% from purchases from partners of the loyalty service of the Humo payment system;
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one-touch payment of passenger fare;
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receiving a salary, pension or scholarship;
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etc.
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Why is the Humo card so called?
Why is the Humo card so called?
A presidential decree directed the Central Bank to set up a National Interbank Processing Centre that provides for the creation of a new retail payment system. In this regard, the regulator offered to take part in choosing the name of the national retail payment system. The competition was held in two stages: collection of proposals and voting for the best option.
The first stage collected 2.4 thousand proposals. Of these, the most popular variants that meet the requirements of the competition were HUMO, ADRAS and ANOR. The second stage had about 4 thousand respondents taken part. According to the voting results, the first place with 45.3% was given by the HUMO variant.
Now it will become a brand for the new national retail payment system.
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Humo payment system tariffs
Humo payment system tariffs
The NIPC tariff policy, in general, is aimed at creating economic conditions for the development of retail non-cash payments in Uzbekistan.
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How does the Humo card work with the conventional payment systems?
How does the Humo card work with the conventional payment systems?
The international payment systems continue to operate in Uzbekistan. As an issuer, the bank issues to its client (an individual and/or a legal entity that has an account with this bank) a plastic card, which enables it to enjoy retail services. Such services include cashless purchases at a trading enterprise, cash withdrawals at an ATM or a bank branch, information on the current balance of funds in a client’s account; in addition the card holders can use their card anywhere in the world by Visa, MasterCard, UnionPay International payment, etc.
The NIPC as a second processor processes in-country transactions using cards of international payment systems. Such cards are accepted in Uzbekistan as Humo cards, and abroad – in the entire reception network – by the system, the card was issued with.
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How to switch on and switch off SMS notifications?
Only the bank that issued the HUMO card can connect and disconnect SMS notifications. When applying for the card, you must write your personal mobile number.
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What is the cost of the SMS notification service?
SMS notification is a paid service, and its cost depends on the client’s mobile operator.
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What number does the SMS info come from?
SMS notification come from 3131 number.
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If SMS notification are not received, what should I do.
First of all, check the balance and status of your phone number.
Make sure that the SMS notification service is connected. To do this, contact your bank.
If the number is active, other SMS messages are received and SMS notification is enabled, contact your operator for assistance in solving the problem. It is recommended to use the Telegram bot for more reliable and convenient receipt of messages: @HUMOcardbot
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How can I check the sms info connection status?
When you enable the SMS notification service, a corresponding message from number 3131 is sent to your phone. You can find out the status of this service through your bank.
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Why SMS info does not arrive?
The service must be enabled, and the subscriber number must be in active status and have a positive balance on the account. Some delays are possible due to various loads on the network of the service operator, it is also necessary to take into account that the storage period of the message in the queue, if the subscriber's phone is not available, is usually limited to several hours.
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How to disable sms info? The client was connected by mistake to sms informing and how to disable it?
You must contact your servicing bank and indicate the problem.
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How many cards can be connected to one SIM card?
There are no restrictions on connecting cards.
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Is it possible to connect one card to two numbers?
One plastic card can be connected to only one phone number.
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Is it possible to connect SMS notifications to corporate phone numbers?
Yes, it is possible.
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What errors can occur in terminals?
If errors occur when making transactions on POS terminals, the paper receipt will contain a corresponding explanatory note, for example, “Incorrect PIN code” or “Insufficient funds”.
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Is it possible to register a HUMO card in payment system applications?
The HUMO card can be registered in all payment system applications, as well as in bank applications.
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Is it possible to make a transfer from card to card? Transfer from a card of another operator to a HUMO card and back?
The ability to transfer from HUMO card to HUMO card, as well as to cards of another operator and vice versa, is implemented in all bank applications, as well as in popular payment system applications (Click, Paynet, Payme, etc.). Transfer fees are set by banks or payment systems themselves.
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Do other operator's terminals accept HUMO cards? And vice versa?
Payment operators' terminals do not yet service each other's cards. The implementation of this functionality is in the development stage and will be announced separately when such support is implemented.
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How to use contactless payment correctly?
To securely conduct a transaction, the card must be brought to the corresponding icon on the terminal, at a distance of no more than a couple of centimeters and held until the corresponding confirmation sound signal from the terminal. To pay with HUMO cards, they do not need to be handed over to the cashier. The PIN code should never be announced out loud, the client must enter it himself.
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Possibility of payment without PIN code. What is the limit?
The limit for payment without a PIN code is 50,000 sum. When paying over 50,000 sum, the terminal will request a PIN code. In the Korzinka Uz and Makro supermarket chains, the limit has been increased to 250,000 sum.
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If a customer loses a card, how can he block it?
To avoid unauthorized use of your card, immediately disable or block the lost card via the bank's mobile application or by contacting the bank that issued the card.
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Is there a transaction cancellation? In what cases is it applicable?
This function is available in the terminal. This function can be used before reconciling the totals on the terminal.
Example of the situation:
The cashier incorrectly withdrew the amount: entered an extra zero, the amount is incorrect.
- Press 0 on the terminal,
- Select cancel operation in the menu
- Enter the receipt number of the erroneous write-off,
- Press the green button and bring the card to the terminal.
The money will be credited back to the card.
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How does NFC payment work?
Payment via NFC is made via a mobile phone that supports the NFC system and runs on the Android operating system.
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How to use HUMO Pay payment?
The contactless payment system via mobile phones (NFC) is implemented based on the HUMO Pay functionality. This functionality has already been implemented in the Apelsin, Joyda, Quant, Ipak yuli mobile, Asaka mobile, Myalliance, Agro mobile, Milliy applications. You can connect this service by registering the HUMO card in any of these applications, then adding it to this service in the application itself.
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What to do if the ATM did not issue money and debited money from the account?
In practice, such cases are extremely rare, most often the client does not take the money from the tray in time. To resolve the issue, you need to contact the bank servicing this ATM (the bank's data is on the ATM).
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The outlet refuses to accept the HUMO card, what should I do?
Hotline to help you.
If you see a HUMO sticker and you are refused payment using your card, you can call the following numbers:
(71) 244-98-98 - Helpdesk of the State Tax Committee
(71) 200-08-88 - Call center (HUMO)
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Is it possible to withdraw money from international cards through HUMO ATMs?
Yes, through HUMO ATMs it is possible to withdraw cash from international cards "VISA", "Mastercard" and "UnionPay" in national currency. In this operation, the commission of the bank esquire and the international system is taken into account.
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Can HUMO terminals accept payments from international cards?
Yes, all payment terminals can service cards of the international payment systems "VISA", "Mastercard" and "UnionPay".
