Online services

Manage the full payment cycle with card linking in your mobile app and other online resources

Card linking
Holds and refunds
Recurring payments
Support for popular payment systems
Payments splits
Payment monitoring

Online stores

Accept payments with UZCARD, HUMO, VISA and MASTERCARD on websites and in mobile applications

Personal cabinet
Payment in frame
Acquiring of all type card
Billing
Holds and refunds
Payments splits

Microcredit Organizations

Automate issuance to individual cards and loan repayment process

Instant payouts
Write-off from all available cards
Borrower transaction history
Online acquiring
Monitoring
24/7 support

Airline ticket offices

Accept payments on the site with Visa, Mastercard, Uzcard and HUMO via convenient widgets or payment pages

Card linking
Holds and refunds
Support for popular payment systems

Taxi Parks

Instantly pay remuneration to cab drivers and replenish their personal accounts

Instant crediting
Withdrawal of funds via Telegram bot
Control of payment limits
Deposit by phone or card number
Convenient monitoring
24/7 support

BNPL Services

Manage your installment portfolio with automated repayment process

Automatic withdrawal from linked cards
Borrower transaction history
Auto-debit from all available cards
Online acquiring
Convenient monitoring
24/7 support

Installment Shops

Automate installment accounting, analyze your customers and accept payments online

Customer survey
Accounting for payment schedules
Borrower transaction history
SMS mailings
Automatic withdrawal from linked cards
Auto-debit from all available cards

HoReCa

Integrate a complete solution for HoReCa: use Internet acquiring, payment splitting and holding to simplify payment acceptance, automate financial operations and improve customer service

Online acquiring
Payout statistics
History and reports
Precise analytics
Reconciliation
24/7 support
uzruen
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Creating the future of fintech in Uzbekistan

We are a payment organization with 7 years of experience offering a wide range of payment automation solutions. We develop and implement reliable fintech products, ensuring the security and efficiency of your transactions.

Our mission

To create advanced payment solutions that not only simplify the lives of our partners and their customers, but also transform their experience of interacting with financial services, providing maximum efficiency, convenience and security

Values

Simplicity
Simplicity is our core principle. We create our products to make our customers' business easier. We recognize that it is important to focus on simplicity within an organization to achieve effective results and a comfortable process.
Synergy
At ATMOS, a clear and stable team game where everyone is results-oriented, understands their strengths, role and importance in the team is essential to creating useful products
Speed
We work ahead of the curve. Speed is an essential component of our work. It is important for us to solve our client's tasks promptly and process incoming requests quickly. We are in favor of reducing bureaucracy and increasing efficiency

Our development

From year to year, we try to develop, improve our services and strive to achieve our goals.

2017
  • Company foundation
2018
  • Launch of online acquiring service
  • Partnerships with Aloqabank, SQB
  • Launch of loan repayment service
  • Launch of p2p-transfer service In a team of 10 people
2019
  • Launch of cross-border transfer service
  • Partnership with PAYSEND
  • Partnership with OFB, Davr Bank, MK Bank, Ipoteka
  • Launch of installment accounting service
  • Launch of a service for assessing the client's solvency
  • Partnership with Billz
2020
  • Payment license from the Central Bank of Uzbekistan
  • Number of merchants more than 100
  • Increase of the company's staff up to 20 people
  • Partnership with iCan
2021
  • Company restructuring
  • Comprehensive rebranding
  • Number of merchants 300+
  • Integration with FlexFin
2022
  • Increase of the company's staff up to 50 people
  • The company turned 5 years old
  • Launch of instant payments to cards
2023
  • Launch of a new server complex
  • Obtaining PCI DSS certificate
  • Company turnover of 1 trillion UZS per year
2024
  • Acceptance of Visa / Mastercard payments
  • Conversion to JSC
  • Number of merchants 500+
  • Partnership with Deleever, Bito, PayTaxi
  • Launch of cross-border transfers with PayPorter

Why choose us?

Easy integration
Our services can be easily integrated into our clients' systems, ensuring a smooth and fast implementation process
Reliability and security
Each of our services is fully compliant with international PCI DSS standards, ensuring the protection of card data
Acquiring all cards
We provide a single payment gateway to accept payments from all popular processors.
Experience
The team's extensive experience in the payment industry allows us to ensure maximum uptime and high quality of our services
Personalized approach
Takes into account each client's unique needs and requirements, developing solutions that align with their business goals and growth strategy
24/7 technical support
We guarantee a prompt response to any queries that arise during the use of our products

Facts about us

7
of fintech experience
700
active merchants
$500M+
volume of successful transactions per year
30K
transactions daily
99.98%
service continuity
integration with payment systems
international security standard
24/7
technical support

Feedbacks

Charging stations for carsMegawatt Energy
Makhmadiyorov Nurkhon
Head of IT Departments at the Group of Companies

ATMOS provided an integrated solution with excellent commission fees at the time. We needed to accept payments directly within the Megawatt Energy application, and they successfully helped us implement this.

The feedback from the team is at a high level. There are no issues, and the payment acceptance service works stably.

IT products for businessiCAN IT-Group
Akmaljonov Asiljon
Rasuljon o'g'li
CTO/PM

In the iCAN project, we have been collaborating with ATMOS for more than 4 years. Over this time, we have introduced many innovations. Every project has its flaws, but what matters is how quickly solutions are found. In this regard, the ATMOS system is faultless. Long-term and successful collaboration depends not only on the software but also on the team. I would like to express my sincere thanks to Ramil, Farrukh, and Oybek for their key cooperation. May our partnership continue! Best of luck!

Incubator for startupsStartup Garage
Muhammad Khalil
Founder

Reliable partnership and professional approach. Working with ATMOS.UZ has always been convenient and efficient for us. They have a deep understanding of their clients and organize all processes accurately and quickly. We thank the ATMOS.UZ team for their specialists' high qualifications and friendly approach!

Online storeAsaxiy
Husayn Hasanov
Technical Director

Our company collaborates with Atmos.uz, utilizing their auto-payment and acquiring services. Working with Atmos.uz has brought us great benefits, and we are very satisfied with this partnership.

Atmos.uz's services have made a significant contribution to the development of our business. Their services are excellent, and their systems are very convenient. Since we started using their services, our customers can easily and quickly make online payments. Furthermore, Atmos.uz provided us with the ability to accept online payments through acquiring, which allowed us to expand our business and attract new customers.

The Atmos.uz team is always ready to provide support and helps resolve any issues quickly. We greatly appreciate their professionalism and responsibility. We intend to continue using their services and look forward to future collaboration.


Microcredit organizationCASH U
Yuldashev Otabek
Khasanboevich
Executive Director

ATMOS is one of the leaders in the IT sector, providing card linking and auto-payment services for all available cards. The team quickly implemented this service, and now we successfully use it on a regular basis.

Excellent service, knowledgeable and competent employees, quick feedback, and problem-solving — these are the signs of a reliable partner!

Home appliances storeKOMETA SHOP
Iskandarov Abror
Zakhidovich
Chief Specialist (Credit Sales Department)

We have been working with ATMOS for many years. During this time, we have never had any complaints or misunderstandings. Any issues have always been resolved promptly and positively. From a financial perspective, they have always understood us and provided us with great attention and support.

We express our gratitude to the ATMOS team. We wish for continued successful cooperation.

Store automation programBILLZ
Rustam Khamdamov
Co-founder and CEO

The collaboration with ATMOS has been an important step in the development of our service. Thanks to their solutions, we were able to quickly launch the scoring and auto-payment service, which allows our clients to offer installment plans to loyal customers directly in their stores.

The high flexibility of integration, professional support, and system reliability make ATMOS a trusted technological partner. We are happy to continue working together and recommend their solutions!

Sale and booking of airline ticketsBILETONLINE
Hamidullaev Bobur
Dilshodovich
Leading Specialist

We really liked how ATMOS takes care of its clients. This can include examples such as quick feedback or how the company solves customer problems in an expedited manner.

Excellent service, knowledgeable employees, and fast responses — this is exactly what is needed in work!

Telegram bot and website builderRobosell
Ergashev Mashkhurbek
Akmaljon o‘g‘li
CEO

We had been looking for a solution for card payments and auto-payments for a long time. The ATMOS team quickly helped us implement this solution, and now we successfully use their services on a regular basis.

What we liked most about working with ATMOS is their strong and professional team, which efficiently solves tasks. This gives us a great deal of trust and confidence in future cooperation.

Home Appliance CompanyBOSCH
Tereshkova Galina
Alekseevna
Manager, Installments Department

ATMOS is indeed a very convenient tool that significantly simplifies our work. The program allows us to easily export all the necessary data for reporting, including information about debtors, closed and open contracts, as well as the transaction log for installment payments and other details.

I especially appreciate the ability to correct data in case of erroneous registration or payment, which makes the process more flexible and reliable.

I recommend ATMOS to everyone who is looking for an effective solution for managing installments!

Clients

Ehtirom plus
Oasis
Biznes finans
Imkon
Yaxshi niyat
Delta
Ipotekabank
Asaxiy
Bosch
Elmakon

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