ATMOS & Pulberry Case Study: Online Acquiring for a Mobile App for Loan Management and Repayment

Pulberry consolidates loans into a single application, while ATMOS provides the internet acquiring — the acceptance of payments on behalf of connected credit organizations.

In Uzbekistan, a growing number of people are simultaneously managing multiple financial obligations: a loan with one credit institution, an installment plan with another, and a secured loan with a third.

Pulberry is a mobile application for managing and repaying loans, allowing users to track their debts across various credit institutions and make payments online. Pulberry created the mobile app, while ATMOS acted as the payment partner, providing the internet acquiring — the processing of online payments from bank cards for the connected organizations.

Behind the simple scenario of "open the app, pay the loan" lies a payment infrastructure that must simultaneously serve many different recipients.

Task: To Process Online Payments to Various Lending Institutions

The teams were tasked with building a payment acceptance system that:

• accepts payments from Uzcard and Humo cards for various creditors;
• correctly routes each payment to the designated credit institution;
• scales with the growing number of partners in the application;
• remains simple and straightforward for the end borrower.

What was the difficulty in accepting payments?

In the Pulberry model, each lending institution is a separate recipient with its own payment details and repayment schedule. This means that:

• each lender must be set up to accept online payments;
• each payment must be correctly routed to the intended recipient;
• it is essential to maintain a consistent payment process within the application, regardless of how many organizations the user has loans with.

The ATMOS Solution: Online Acquiring for Accepting Payments to Various Lending Institutions

ATMOS has connected Pulberry to a payment infrastructure, which features:

• Internet acquiring: accepting online payments from Uzcard and Humo cards;
• Payment processing: making payments to affiliated financial institutions;
• Card linking: for quick repeat payments without re-entering card details.

Access to the ATMOS payment system is provided to Pulberry, and the online service's team integrates it into the application's single interface. ATMOS is responsible for the payment layer, while Pulberry handles the product and user experience.

How loan payment works in the Pulberry app

For the user, the process is as simple as possible:

• Open the app and see all your loans in a single list.
• Select a loan and an amount, with the option to link a card.
• Make the payment—the funds are sent to the correct creditor via the ATMOS acquiring service.

The borrower doesn't need to look up the details for each organization, log into different apps, or re-enter their card information.

Results of ATMOS Acquiring Integration

What Pulberry gained

• stable online payment processing for various lending institutions;
• scalable onboarding of new lending institutions;
• a unified repayment process within the application;

What lending institutions gained

• a new channel for receiving repayments;
• automation of the payment acceptance process;

What borrowers gained

• loans from various lending institutions in one application;
• a fast and intuitive card payment process;
• repayment of liabilities to various organizations in a single interface.

Why is Internet Acquiring Important for Online Services and Mobile Apps?

In products where users manage multiple financial obligations, every extra step reduces the likelihood of timely payment. Reliable online acquiring allows you to:

• eliminate the need to search for payment details and make manual transfers;
• increase the timeliness of payments;
• retain the user within a single product.

For an online service, the payment layer is not an auxiliary function but a core part of the business model.

Pulberry:

• Gathers all your loans in one place
• Shows upcoming due dates in a convenient list.
• Reminds you about each payment in advance so you don't miss a thing.
• After a payment is made, it recalculates the schedule — updating the remaining payments.
• Directs extra funds toward repaying the principal debt, reducing the overpayment.
• History: An archive of all completed transactions for your records.

It's not just a calendar — it's your smart financial assistant.

Summary

Pulberry developed an application for managing and repaying loans, while ATMOS provided the internet acquiring service—the acceptance of online payments on behalf of connected lending institutions.

As a result:

• users can repay their loans in a single window;
• lending institutions receive payments through a single payment channel;
• payment processing becomes a seamless yet crucial part of the product.