ATMOS & UnaMoliya Case: Automating Online and Recurring Payments for a Microfinance Organization (MFO)

Today, clients of microcredit organizations expect a fully digital microloan process. A few minutes to complete an application, instant crediting of funds to a bank card, and convenient online repayment without visiting an office are becoming the market standard.

This is precisely the approach UnaMoliya has implemented in collaboration with ATMOS, combining internet acquiring, bank card linking, automatic payouts, and recurring payments into a unified customer service system. The solution aligns with the full-cycle online lending model that ATMOS offers for microcredit organizations.

About the company

UnaMoliya is a modern microcredit organization providing online microloans to individuals. The company prioritizes rapid decision-making, a convenient digital service, and a fully remote microloan application process. As its client base grew, the company faced the challenge of automating payment processes and minimizing manual operations.

Function

To develop its digital lending services, UnaMoliya needed to build a unified payment infrastructure that would allow it to:

• securely link a client's bank card;
• automatically transfer the approved microloan to the card;
• accept online microloan payments;
• set up automatic payments according to the repayment schedule;
• reduce the number of late payments;
• ensure the secure processing of cardholder data.

Additionally, it was important to maintain the simplest possible user experience — the client should be able to receive a microloan and repay it in just a few steps.

ATMOS Payment Solution

In collaboration with the UnaMoliya team, ATMOS specialists implemented a comprehensive payment solution for microfinance organizations.

Bank Card Linking

Upon initial authorization, the client links a bank card once.

This card is then used for:

• receiving a microloan;
• making online payments;
• automatic microloan repayments.

The card data undergoes tokenization and is not stored in the microfinance organization's infrastructure, which complies with PCI DSS 4.0.1 requirements.

Instant Payouts to Card

Once an application is approved, ATMOS automatically transfers funds directly to the client's bank card.

This has made it possible to:

• eliminate manual processing;
• accelerate microloan disbursement;
• automate bulk payouts;
• ensure full control over every transaction

Online Microloan Payments

A modern payment system has been implemented for voluntary microloan repayment.

Clients can:

• pay their microloan online;
• make a partial early repayment;
• fully pay off their debt without visiting an office.

ATMOS online acquiring supports convenient payment scenarios via bank cards.

Automatic Payments

Recurring payments are one of our key features.

Once the client provides consent, the system automatically debits the next payment according to the repayment schedule.

Using automatic payments allows you to:

• reduce the number of late payments;
• reduce the workload for your staff;
• increase payment collection rates;
• make the repayment process as convenient as possible for the borrower.

The principle behind recurring payments is based on linking a card in advance, followed by automatic debits without having to re-enter card details.

What UnaMoliya Gained

Following the solution's implementation, the company gained a unified payment infrastructure for the entire microloan lifecycle.

Results:

• Secure bank card linking
• Automated microloan disbursement
• Online microloan repayments
• Scheduled auto-payments
• Reduced operational load
• A more convenient customer journey
• A scalable system for future business growth

"It was important for us to build the simplest and most convenient process for obtaining and repaying microloans. Thanks to the ATMOS payment infrastructure, we've automated key stages of customer interaction and made online lending even faster and more convenient." The UnaMoliya Team

Why Businesses Choose ATMOS for Internet Acquiring and Online Payments 

ATMOS helps microfinance organizations automate the entire online micro-lending cycle:

• Internet acquiring for accepting payments on websites and in mobile applications;
• Secure bank card linking;
• Automatic payouts to personal bank cards;
• Auto-payments and recurring payments;
• Support for Uzcard, HUMO, Visa, and Mastercard bank cards, as well as Click, Payme, and Uzum payment services.
• API for integration with MFOs' internal systems;
• A reliable payment infrastructure with a high level of security compliant with the PCI DSS 4.0.1 international standard.

The solution's features for MFOs include card linking, bank card solvency analysis for MFO scoring models, instant payouts, online repayment, and scheduled automatic debits.

Developing a Microfinance Organization?

Integrate a modern payment system with ATMOS, featuring internet acquiring, automated payouts, recurring billing, and online microloan payments.

👉 Learn more about our solution for MFOs