Case: How ATMOS and TOKBOR Implemented Convenient Online Payments for Users via Card Linking

When a service relies on daily online payments, the convenience of the payment process directly impacts conversion rates and customer loyalty. For the TOKBOR network of charging stations and its mobile app, this has become a key factor in the service's development.

About the company

TOKBOR is the first charging station network for electric vehicles, with an infrastructure of over 1,000 charging stations located on key highways, in major cities, and even in the most remote corners of Uzbekistan.

The company is developing its charging station infrastructure and a mobile application that allows users to find stations, manage the charging process, and pay for services online. To date, the service is used by more than 200,000 registered users throughout the country.

For a service like this, stable payment acquiring, fast online payments, and a simple user journey - without unnecessary steps or payment method restrictions - are critically important.

Function

When TOKBOR approached ATMOS, their mobile app only accepted online payments from local cards - Uzcard and Humo. Users with international Visa and Mastercard cards were unable to pay for charging sessions within the app.

The TOKBOR team was searching for a payment partner who could quickly enable both local and international online payments without complicating the application's architecture.

Internet Acquiring & Online Payment Solutions and Integration

ATMOS proposed a solution that enables the quick integration of local and international online payments without complicating the application's architecture. This was achieved with a payment gateway that supports acquiring services and online payments from both local and international cards. As a result, the user payment process was optimized and made more convenient. Additional payment methods were introduced, including international Visa and Mastercard, as well as a card-linking feature that ensures fast and seamless repeat payments within the mobile app.

As part of the integration, the following features were implemented:

• acceptance of online payments from Uzcard, HUMO, Visa, and MasterCard;
• the ability to save cards for future payments within the TOKBOR app;
• fast and stable transactions when initiating a charging session;
• project support throughout all stages, from testing to production.

The integration was completed with no service downtime.

"It was a matter of principle for us to give users the freedom to choose their payment method. The ATMOS solution allowed us to integrate Uzcard, HUMO, Visa, and MasterCard without complicating the product and while preserving a convenient user experience within the app." Erkin Ruzmatov, CEO of TOKBOR

Result

As a result of implementing ATMOS acquiring and online payments, the TOKBOR service:

• expanded payment acceptance to local and international cards;
• removed payment barriers for users;
• improved the comfort and convenience of payments in the app;
• increased conversion to successful payments;
• became equally convenient for local users and foreign guests.
• received a personal account with the ability to monitor all transactions, quickly check payment statuses, and access convenient financial analytics.

ATMOS has become a reliable partner for TOKBOR in acquiring and online payments, ready to support further scaling of the service.

Conclusion

The TOKBOR case study demonstrates how properly structured online payments and acquiring directly impact conversion and user experience. The payment solution from ATMOS has become an important part of the TOKBOR digital service and has supported the development of modern electric vehicle infrastructure in Uzbekistan.