Online payments are essential for modern applications in Uzbekistan. Payme<\/span><\/span><\/strong> (powered by Paycom<\/span><\/span><\/strong>) is one of the most trusted payment gateways for card payments, subscriptions, and recurring billing.<\/p>\n In this blog, we\u2019ll explain Payme integration step by step<\/strong>, using Laravel<\/strong> and real API methods.<\/p>\n How Payme works internally<\/p>\n<\/li>\n Card add & verification flow<\/p>\n<\/li>\n Receipt creation & payment<\/p>\n<\/li>\n Status checking<\/p>\n<\/li>\n Common errors & best practices<\/p>\n<\/li>\n<\/ul>\n Before starting, make sure you have:<\/p>\n Payme Merchant ID<\/strong><\/p>\n<\/li>\n Payme Merchant Key<\/strong><\/p>\n<\/li>\n Laravel 8+ project<\/p>\n<\/li>\n HTTPS enabled (mandatory for production)<\/p>\n<\/li>\n<\/ul>\n Here is the standard Payme payment lifecycle<\/strong>:<\/p>\n Create & save card<\/p>\n<\/li>\n Verify card (OTP)<\/p>\n<\/li>\n Create receipt (invoice)<\/p>\n<\/li>\n Pay receipt<\/p>\n<\/li>\n Check payment status<\/p>\n<\/li>\n Handle webhook (recommended)<\/p>\n<\/li>\n<\/ol>\n This step registers the user\u2019s card<\/strong> in Payme.<\/p>\n { Returns a card token<\/strong> Payme sends an OTP to the cardholder<\/strong>.<\/p>\n { After success, the card becomes active<\/strong><\/p>\n Step 3: Create Receipt ( A receipt is an invoice<\/strong>. No money is charged here.<\/p>\n { Amount is in tiyin<\/strong> (1,500,000 = 15,000 UZS)<\/p>\n Step 4: Pay Receipt ( This step charges the saved card<\/strong>.<\/p>\n { Payment is initiated Step 5: Check Payment Status ( Used to verify payment result<\/strong>.<\/p>\n { Step 6: Handle Webhooks (Recommended)<\/p>\n Payme sends server-to-server notifications<\/strong> when payment status changes.<\/p>\n Always trust webhook + state = 4<\/strong> Use these ONLY in test environment<\/strong>:<\/p>\n Common Payme Errors & Fixes<\/p>\n Final Thoughts<\/p>\n ayme integration is secure, scalable, and reliable<\/strong> when implemented correctly. If you are building:<\/p>\nWhat You\u2019ll Learn<\/h2>\n
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Prerequisites<\/h2>\n
\n
Payme Integration Flow (Overview)<\/h2>\n
\n
Step 1: Add Card (
cards.create<\/code>)<\/h2>\n
\n“id”: 1,
\n“method”: “cards.create”,
\n“params”: {
\n“card”: {
\n“number”: “8600069195406311”,
\n“expire”: “0399”
\n},
\n“save”: true
\n}
\n}<\/p>\n
Card is NOT usable yet<\/strong><\/p>\nStep 2: Verify Card (
cards.verify<\/code>)<\/h2>\n
\n“id”: 2,
\n“method”: “cards.verify”,
\n“params”: {
\n“token”: “CARD_TOKEN”,
\n“code”: “666666”
\n}
\n}<\/p>\nreceipts.create<\/code>)<\/p>\n
\n“id”: 3,
\n“method”: “receipts.create”,
\n“params”: {
\n“amount”: 1500000,
\n“account”: {
\n“order_id”: “ORD-1001”
\n}
\n}
\n}<\/p>\nreceipts.pay<\/code>)<\/p>\n
\n“id”: 4,
\n“method”: “receipts.pay”,
\n“params”: {
\n“id”: “RECEIPT_ID”,
\n“token”: “CARD_TOKEN”
\n}
\n}<\/p>\n
Receipt state changes to 4<\/code> on success<\/p>\nreceipts.check<\/code>)<\/p>\n
\n“id”: 5,
\n“method”: “receipts.check”,
\n“params”: {
\n“id”: “RECEIPT_ID”
\n}
\n}<\/p>\n\n\n
\n \nState<\/th>\n Meaning<\/th>\n<\/tr>\n<\/thead>\n \n 0<\/code><\/td>\nCreated<\/td>\n<\/tr>\n \n 1<\/code><\/td>\nPaying<\/td>\n<\/tr>\n \n 4<\/code><\/td>\nPaid<\/td>\n<\/tr>\n \n 50<\/code><\/td>\nCancelled<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
Avoid aggressive polling with receipts.check<\/code><\/p>\nTest Cards for Sandbox<\/h2>\n
\n\n
\n \nCard Type<\/th>\n Number<\/th>\n Expiry<\/th>\n OTP<\/th>\n<\/tr>\n<\/thead>\n \n Uzcard<\/td>\n 8600 0691 9540 6311<\/td>\n 03\/99<\/td>\n 666666<\/td>\n<\/tr>\n \n Humo<\/td>\n 9860 0101 0101 0101<\/td>\n 03\/99<\/td>\n 666666<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n \n\n
\n \nError Code<\/th>\n Meaning<\/th>\n Solution<\/th>\n<\/tr>\n<\/thead>\n \n -31400<\/code><\/td>\nCard not found<\/td>\n Re-add card<\/td>\n<\/tr>\n \n -31001<\/code><\/td>\nUnauthorized<\/td>\n Check X-Auth<\/td>\n<\/tr>\n \n -31050<\/code><\/td>\nAmount mismatch<\/td>\n Recalculate total<\/td>\n<\/tr>\n \n -31007<\/code><\/td>\nToo many OTP attempts<\/td>\n Wait & retry<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
Following the official flow<\/strong> ensures smooth payments and fewer failures.<\/p>\n