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SBP vs Click vs UzCard: comparing payment methods

Click, UzCard/HUMO, Payme (so‘m) and SBP (ruble) — which for which market? A comparison table by currency, speed and auto‑confirmation and 18 Q&A.

Short answer

Click, UzCard/HUMO and Payme are payments in so‘m for customers in Uzbekistan; SBP is instant payment in rubles for customers in Russia. So they aren't competitors but complements for different markets. StarsPaymee Business provides them all in one integration.

Which method for which market?

A payment method should be chosen not as «good/bad» but as «for which customer». A customer in Uzbekistan pays in so‘m via Click/UzCard/HUMO/Payme; a customer in Russia pays in rubles via SBP. Using them together expands your market.

FeatureClickUzCard/HUMOSBP
MarketUzbekistanUzbekistanRussia
Currencyso‘mso‘mruble
Instrumentapp/cardcard + OTPQR/number
Speed✓ fastmedium✓ instant
Auto‑confirmation✓ callback✓ webhook✓ webhook

How to choose?

Recommendation
  • Customers mostly from Uzbekistan — Click + UzCard/HUMO + Payme.
  • Customers from Russia — add SBP.
  • Both markets — everything in one integration.
  • More methods — fewer lost sales.

Choose the payment for your market. Contact Business.

@StarsPaymee_bot

See also: Click API, SBP API and payment API in Uzbekistan.

Sources

Frequently asked questions

Click, UzCard, SBP — which is better?
Not «better», but «for which customer». So‘m via Click/UzCard/HUMO/Payme, rubles via SBP.
Does SBP work in Uzbekistan?
SBP is a Russian system; for a customer in Uzbekistan Click/UzCard/HUMO/Payme fit.
Can I connect both?
Yes. StarsPaymee Business provides everything in one integration.
Which is faster?
SBP and Click are fast; UzCard/HUMO can be a bit longer due to OTP.
Is there auto‑confirmation?
Yes. Click via callback, UzCard/HUMO and SBP via webhook.
Which currency?
Click/UzCard/HUMO/Payme — so‘m; SBP — ruble.
Do I need many methods?
More methods — fewer lost sales; a convenient choice for the customer.
How do I accept from a customer in Russia?
Via SBP in rubles by QR or number.
And from a customer in Uzbekistan?
Via Click, UzCard/HUMO or Payme in so‘m.
Does the fee differ?
Yes, depending on the method; confirm the exact percentage with Business.
Is there a Sandbox?
Yes. A test environment for all methods.
Is there a refund?
An undelivered order is refunded per the settlement policy.
Is Payme available?
Yes. Alongside Click there is Payme too.
Can one bot sell to both markets?
Yes. You offer the method to the customer by their region.
Is there statistics?
Yes. Payments per method with an ID.
Is security the same?
Yes. Signature/verification, HTTPS and idempotency in all.
Is documentation provided?
Yes. Integration docs for each method.
How do I start?
Submit a request on the StarsPaymee Business page.

Choose the payment for your market

Through StarsPaymee Business, connect Click, UzCard/HUMO, Payme and SBP together.

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