Case: How ATMOS Helped ICAN BUSINESS Automate Recurring Payments

The company managed to focus on business partnerships and the development of the installment service itself, rather than on operational "pain points" related to payments.

For any fintech company, one of the most challenging issues is payments. Not only the service performance but also customer trust depends on their stability.

When the ICAN BUSINESS team launched their product for stores and companies selling goods and services on installment plans, it quickly became apparent: without a reliable automatic payment system, the project would not be able to scale.

The team faced a choice: either build their own IT infrastructure for regular deductions (which meant substantial investments in development, support team, and security), or find a partner who already had a ready and reliable solution.

ICAN BUSINESS considered several options. An in-house solution proved to be too expensive and complex - it required certification according to PCI DSS security standards, building their own processing system, and constant monitoring of updates and audits. This threatened to "freeze" the team for six months and consume the budget that was supposed to go towards developing the product itself.

Ultimately, after thoroughly studying the market, the choice fell on the ATMOS payment organization, which already had a ready-made solution for automatic payments, allowing for the complete automation of the funds debiting process.

Integration

The technical aspect turned out to be simpler than anticipated. The ICAN BUSINESS team implemented an auto-payment solution through API:

• customers' card data is stored in a secure ATMOS environment that complies with PCI DSS 4.0.1;
• the system performs instant deductions and provides synchronous responses to requests - this guarantees that the company always receives confirmation for each transaction in real-time;
• in case of insufficient funds, repeat attempts are initiated according to a predetermined scenario;

In this process, ATMOS proved itself not only as a technologically advanced partner but also as a service with the highest level of support. The company's employees were fully engaged in the process. They guided the project from initial meetings to launch, meticulously worked out technical details, assisted with API setup, and completed everything precisely and on schedule.

We anticipated that integration would take several weeks, but in reality, the basic module was up and running within just a couple of days. This became a decisive factor for us - we were able to focus on the installment payment service rather than battling payment errors," notes Akmaljonov Asildjon Rasuljon ogli, CTO/PM of ICAN BUSINESS.

Results

The ICAN BUSINESS product has become more reliable and scalable. The company was able to focus on business partnerships and the development of the installment service itself, rather than on operational "pain points" related to payments. ATMOS proved to be not just a payment tool, but a full-fledged partner that helps build a sustainable financial ecosystem.

In the ICAN project, we have been collaborating with ATMOS for over 4 years. During this time, we have implemented many innovations. In any endeavor, there are shortcomings; what's important is how quickly solutions to problems are found. In this respect, there's nothing to fault the ATMOS system for. Long-term and successful cooperation depends not only on the program but also on the employees. I express my immense gratitude to Ramil, Farrukh, and Oybek for their primary collaboration. May our partnership continue! Best of luck! - Akmaljonov Asiljon Rasuljon ogli, CTO/PM.