.png&w=1080&q=100)
Payment solutions for microcredit organizations (MCOs)
Automate mass payouts and scheduled debits from all linked or available cards. Use comprehensive payment solutions and integrations with leading industry players to effectively manage your credit pipeline.
I want to find a solutionInstant payouts
Write-off from all available cards
Borrower transaction history
Online acquiring
Monitoring
24/7 support
User-friendly and flexible API
The user-friendly API provides easy integration of the payment gateway into your billing system, allowing you to automate payments in real time. This solution also supports integration with various front-end systems, ensuring that all payments and debits are accurately recorded.
Advantages
- Payment scheduleAutomated online loan origination and write-off pipeline
- Industry-specific integrationsA single partner to work with all popular payment systems, including integration with various CMSs
- Integration and automationFlexible integration with existing systems and automation of key processes, ensuring a quick launch through industry-specific integrations
- Security and complianceHigh level of data security with compliance with international PCI DSS standards and annual security audits of the technical infrastructure
- Support and service24/7 support, help with problem solving, employee training
Integration methods
API
Multifunctional gateway that allows you to choose a specific integration method based on your business needs.
FlexFin
its integration with the FlexSoft system allows you to quickly launch microloan autopayments, and payday loans online.
Personal account (cloud solution)
Personal cabinet for paying to a customer's card to receive a microloan online.
Feedbacks
Sale and booking of airline tickets
Hamidullaev Bobur
Dilshodovich
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 β this is exactly what is needed in work!
Telegram bot and website builder
Ergashev Mashkhurbek
Akmaljon oβgβli
Akmaljon oβgβli
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 Company
Tereshkova Galina
Alekseevna
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!
Cases
Clients
How to set up internet acquiring
and start accepting online payments
Connecting the ATMOS payment solution is a simple four-step process. We will guide you every step of the way β from submitting your application to going live with online payments.
01
Application and contract signing
Submit an application, agree on the terms of cooperation, and sign the contract.
02
Integration in the test environment
Integrate the payment solution via API or ready-made tools and run test payments.
03
Production environment check
Conduct a final test with ATMOS specialists to verify that payments are processing correctly.
04
Start accepting online payments
After successful testing, payment processing will be activated, and you can start accepting payments from customers.
Money charged to your card?
Find out which company made the charge through ATMOS
Contact supportWe'll find a solution for you
In order for us to properly process your application, please answer a couple of questions and provide your contact information
Other ATMOS payment solutions
Manage the full payment cycle with card linking capabilities in your mobile app and other online resources
Accept payments from UZCARD, HUMO, VISA and MASTERCARD on websites and mobile applications
Accept payments on the site with VISA, MASTERCARD, UZCARD and HUMO via convenient widgets or payment pages
Π£ΠΏΡΠ°Π²Π»ΡΠΉΡΠ΅ ΠΏΠΎΡΡΡΠ΅Π»Π΅ΠΌ ΡΠ°ΡΡΡΠΎΡΠ΅ΠΊ Ρ ΠΏΠΎΠΌΠΎΡΡΡ Π°Π²ΡΠΎΠΌΠ°ΡΠΈΠ·ΠΈΡΠΎΠ²Π°Π½Π½ΠΎΠ³ΠΎ ΠΏΡΠΎΡΠ΅ΡΡΠ° ΠΏΠΎΠ³Π°ΡΠ΅Π½ΠΈΡ Π·Π°Π΄ΠΎΠ»ΠΆΠ΅Π½Π½ΠΎΡΡΠΈ
ΠΠ²ΡΠΎΠΌΠ°ΡΠΈΠ·ΠΈΡΡΠΉΡΠ΅ ΡΡΠ΅Ρ ΡΠ°ΡΡΡΠΎΡΠ΅ΠΊ, Π°Π½Π°Π»ΠΈΠ·ΠΈΡΡΠΉΡΠ΅ ΡΠ²ΠΎΠΈΡ
ΠΊΠ»ΠΈΠ΅Π½ΡΠΎΠ² ΠΈ ΠΏΡΠΈΠ½ΠΈΠΌΠ°ΠΉΡΠ΅ ΠΏΠ»Π°ΡΠ΅ΠΆΠΈ ΠΎΠ½Π»Π°ΠΉΠ½
Useful Articles About Internet Acquiring, Online Payments, and Payment Solutions
All articles.png&w=1080&q=100)
Payment Solutions for Microcredit Organizations
Microcredit organizations handle a large volume of routine operations: issuing loans, processing monthly repayments, and making repeated debit attempts in case of overdue payments. ATMOS automates this cycle by enabling mass loan disbursements to cards, setting up autopayments for scheduled repayments, re-attempting debits, and accepting online payments with integration into the MCO's internal systems via API.
The credit pipeline includes a bank card solvency analysis, providing data that the organization can use in its proprietary scoring models, for credit scoring, and in online scoring services. ATMOS supplies payment information for scoring, but the decision to issue a loan always remains with the MCO.
A single dashboard combines control over disbursements, debits, and reporting, while the platform's infrastructure can support loan portfolio growth without any changes to the payment logic.
Π§Π°ΡΡΠΎ Π·Π°Π΄Π°Π²Π°Π΅ΠΌΡΠ΅ Π²ΠΎΠΏΡΠΎΡΡ ΠΎ ΠΏΠ»Π°ΡΠ΅ΠΆΠ½ΡΡ ΡΠ΅ΡΠ΅Π½ΠΈΡΡ ΠΌΠΈΠΊΡΠΎΠΊΡΠ΅Π΄ΠΈΡΠ½ΡΡ ΠΎΡΠ³Π°Π½ΠΈΠ·Π°ΡΠΈΠΉ (ΠΠΠ)
ΠΠΎΠ΄ΠΊΠ»ΡΡΠΈΡΡ ΠΏΠ»Π°ΡΠ΅ΠΆΠ½ΠΎΠ΅ ΡΠ΅ΡΠ΅Π½ΠΈΠ΅ ATMOS Π΄Π»Ρ ΠΠΠ ΠΏΡΠΎΡΡΠΎ β ΠΎΡΡΠ°Π²ΡΡΠ΅ Π·Π°ΡΠ²ΠΊΡ Π½Π° ΡΠ°ΠΉΡΠ΅ ΠΈΠ»ΠΈ ΡΠ²ΡΠΆΠΈΡΠ΅ΡΡ Ρ Π½Π°ΠΌΠΈ ΠΏΠΎ ΡΠ΅Π»Π΅ΡΠΎΠ½Ρ +998 71 231 19 00. ΠΠ°ΡΠΈ ΡΠΏΠ΅ΡΠΈΠ°Π»ΠΈΡΡΡ ΠΏΠΎΠΌΠΎΠ³ΡΡ ΠΏΠΎΠ΄ΠΎΠ±ΡΠ°ΡΡ ΠΎΠΏΡΠΈΠΌΠ°Π»ΡΠ½ΠΎΠ΅ ΠΏΠ»Π°ΡΡΠΆΠ½ΠΎΠ΅ ΡΠ΅ΡΠ΅Π½ΠΈΠ΅ Π΄Π»Ρ Π²Π°ΡΠ΅Π³ΠΎ Π±ΠΈΠ·Π½Π΅ΡΠ°, ΠΏΡΠΎΠΊΠΎΠ½ΡΡΠ»ΡΡΠΈΡΡΡΡ ΠΏΠΎ Π½Π΅ΠΎΠ±Ρ ΠΎΠ΄ΠΈΠΌΡΠΌ Π΄ΠΎΠΊΡΠΌΠ΅Π½ΡΠ°ΠΌ, ΠΏΡΠΎΠ²Π΅Π΄ΡΡ ΠΈΠ½ΡΠ΅Π³ΡΠ°ΡΠΈΡ ΠΈ ΡΠ΅ΡΡΠΈΡΠΎΠ²Π°Π½ΠΈΠ΅, ΠΏΠΎΡΠ»Π΅ ΡΠ΅Π³ΠΎ Π²Ρ ΡΠΌΠΎΠΆΠ΅ΡΠ΅ Π½Π°ΡΠ°ΡΡ ΠΏΡΠΈΠ½ΠΈΠΌΠ°ΡΡ ΠΎΠ½Π»Π°ΠΉΠ½-ΠΏΠ»Π°ΡΠ΅ΠΆΠΈ.
ATMOS ΠΏΡΠ΅Π΄ΠΎΡΡΠ°Π²Π»ΡΠ΅Ρ Π΅Π΄ΠΈΠ½ΡΡ ΠΈΠ½ΡΠ΅Π³ΡΠ°ΡΠΈΡ Π΄Π»Ρ ΠΏΡΠΈΠ΅ΠΌΠ° ΡΠ»Π΅ΠΊΡΡΠΎΠ½Π½ΡΡ ΠΏΠ»Π°ΡΠ΅ΠΆΠ΅ΠΉ ΡΠ΅ΡΠ΅Π· Uzcard, HUMO, Visa, Mastercard, Click, Payme ΠΈ Uzum Bank. ΠΠ»Π°Π³ΠΎΠ΄Π°ΡΡ Π΅Π΄ΠΈΠ½ΠΎΠΉ ΠΏΠ»Π°ΡΠ΅ΠΆΠ½ΠΎΠΉ ΠΈΠ½ΡΡΠ°ΡΡΡΡΠΊΡΡΡΠ΅ Π²Ρ ΡΠΌΠΎΠΆΠ΅ΡΠ΅ ΠΏΡΠΈΠ½ΠΈΠΌΠ°ΡΡ ΠΎΠΏΠ»Π°ΡΡ ΡΠ°Π·Π»ΠΈΡΠ½ΡΠΌΠΈ ΡΠΏΠΎΡΠΎΠ±Π°ΠΌΠΈ ΡΠ΅ΡΠ΅Π· ΠΎΠ΄Π½ΠΎ API ΠΈ ΡΠΏΡΠ°Π²Π»ΡΡΡ Π²ΡΠ΅ΠΌΠΈ ΠΎΠΏΠ΅ΡΠ°ΡΠΈΡΠΌΠΈ Π² Π΅Π΄ΠΈΠ½ΠΎΠΌ Π»ΠΈΡΠ½ΠΎΠΌ ΠΊΠ°Π±ΠΈΠ½Π΅ΡΠ΅.
ATMOS β ΡΡΠΎ Π½Π΅ ΡΠΎΠ»ΡΠΊΠΎ ΠΈΠ½ΡΠ΅ΡΠ½Π΅Ρ-ΡΠΊΠ²Π°ΠΉΡΠΈΠ½Π³, Π° ΠΏΠΎΠ»Π½ΠΎΡΠ΅Π½Π½Π°Ρ ΠΏΠ»Π°ΡΠ΅ΠΆΠ½Π°Ρ ΠΈΠ½ΡΡΠ°ΡΡΡΡΠΊΡΡΡΠ° Π΄Π»Ρ Π±ΠΈΠ·Π½Π΅ΡΠ°. ΠΠ»Π°ΡΡΠΆΠ½Π°Ρ ΡΠΈΡΡΠ΅ΠΌΠ° ΠΏΠΎΠ΄Π΄Π΅ΡΠΆΠΈΠ²Π°Π΅Ρ Π°Π²ΡΠΎΠΏΠ»Π°ΡΠ΅ΠΆΠΈ, ΠΏΡΠΈΠ²ΡΠ·ΠΊΡ Π±Π°Π½ΠΊΠΎΠ²ΡΠΊΠΈΡ ΠΊΠ°ΡΡ, ΠΌΠ°ΡΡΠΎΠ²ΡΠ΅ Π²ΡΠΏΠ»Π°ΡΡ, ΡΠΈΡΠΊΠ°Π»ΠΈΠ·Π°ΡΠΈΡ, Π°Π½Π°Π»ΠΈΡΠΈΠΊΡ ΠΈ Π΄ΡΡΠ³ΠΈΠ΅ ΠΈΠ½ΡΡΡΡΠΌΠ΅Π½ΡΡ Π΄Π»Ρ Π°Π²ΡΠΎΠΌΠ°ΡΠΈΠ·Π°ΡΠΈΠΈ ΠΏΠ»Π°ΡΠ΅ΠΆΠ½ΡΡ ΠΏΡΠΎΡΠ΅ΡΡΠΎΠ².
ΠΠ΅Π·ΠΎΠΏΠ°ΡΠ½ΠΎΡΡΡ ΡΠ²Π»ΡΠ΅ΡΡΡ ΠΎΠ΄Π½ΠΈΠΌ ΠΈΠ· Π³Π»Π°Π²Π½ΡΡ ΠΏΡΠΈΠΎΡΠΈΡΠ΅ΡΠΎΠ² ATMOS. ΠΠ»Π°ΡΠ΅ΠΆΠ½Π°Ρ ΠΈΠ½ΡΡΠ°ΡΡΡΡΠΊΡΡΡΠ° ΡΠΎΠΎΡΠ²Π΅ΡΡΡΠ²ΡΠ΅Ρ ΠΌΠ΅ΠΆΠ΄ΡΠ½Π°ΡΠΎΠ΄Π½ΠΎΠΌΡ ΡΡΠ°Π½Π΄Π°ΡΡΡ PCI DSS Π²Π΅ΡΡΠΈΠΈ 4.0.1, Π° ΡΠΎΠ²ΡΠ΅ΠΌΠ΅Π½Π½ΡΠ΅ ΡΠ΅Ρ Π½ΠΎΠ»ΠΎΠ³ΠΈΠΈ Π·Π°ΡΠΈΡΡ ΠΏΠΎΠΌΠΎΠ³Π°ΡΡ ΠΎΠ±Π΅ΡΠΏΠ΅ΡΠΈΡΡ Π±Π΅Π·ΠΎΠΏΠ°ΡΠ½ΠΎΡΡΡ ΠΎΠ±ΡΠ°Π±ΠΎΡΠΊΠΈ ΠΏΠ»Π°ΡΠ΅ΠΆΠ½ΡΡ Π΄Π°Π½Π½ΡΡ , ΡΠ½ΠΈΠ·ΠΈΡΡ ΡΠΈΡΠΊΠΈ ΠΌΠΎΡΠ΅Π½Π½ΠΈΡΠ΅ΡΡΠ²Π° ΠΈ Π³Π°ΡΠ°Π½ΡΠΈΡΠΎΠ²Π°ΡΡ ΡΡΠ°Π±ΠΈΠ»ΡΠ½ΡΡ ΡΠ°Π±ΠΎΡΡ ΠΏΠ»Π°ΡΠ΅ΠΆΠ½ΡΡ ΡΠ΅ΡΠ²ΠΈΡΠΎΠ².
ΠΠ°. ΠΠΎΠΌΠ°Π½Π΄Π° ATMOS ΡΠΎΠΏΡΠΎΠ²ΠΎΠΆΠ΄Π°Π΅Ρ ΠΊΠ»ΠΈΠ΅Π½ΡΠΎΠ² Π½Π° Π²ΡΠ΅Ρ ΡΡΠ°ΠΏΠ°Ρ ΡΠΎΡΡΡΠ΄Π½ΠΈΡΠ΅ΡΡΠ²Π° β ΠΎΡ ΠΊΠΎΠ½ΡΡΠ»ΡΡΠ°ΡΠΈΠΈ ΠΈ ΠΈΠ½ΡΠ΅Π³ΡΠ°ΡΠΈΠΈ Π΄ΠΎ Π·Π°ΠΏΡΡΠΊΠ° ΠΈ Π΄Π°Π»ΡΠ½Π΅ΠΉΡΠ΅Π³ΠΎ ΡΠ°Π·Π²ΠΈΡΠΈΡ ΠΏΡΠΎΠ΅ΠΊΡΠ°. Π’Π΅Ρ Π½ΠΈΡΠ΅ΡΠΊΠ°Ρ ΠΏΠΎΠ΄Π΄Π΅ΡΠΆΠΊΠ° 24/7 ΠΏΠΎΠΌΠΎΠ³Π°Π΅Ρ ΠΎΠΏΠ΅ΡΠ°ΡΠΈΠ²Π½ΠΎ ΡΠ΅ΡΠ°ΡΡ Π²ΠΎΠ·Π½ΠΈΠΊΠ°ΡΡΠΈΠ΅ Π²ΠΎΠΏΡΠΎΡΡ ΠΈ ΠΎΠ±Π΅ΡΠΏΠ΅ΡΠΈΠ²Π°Π΅Ρ ΡΡΠ°Π±ΠΈΠ»ΡΠ½ΡΡ ΡΠ°Π±ΠΎΡΡ ΠΏΠ»Π°ΡΠ΅ΠΆΠ½ΠΎΠΉ ΠΈΠ½ΡΡΠ°ΡΡΡΡΠΊΡΡΡΡ.
ΠΠ°. ATMOS ΠΏΠΎΠ·Π²ΠΎΠ»ΡΠ΅Ρ Π°Π²ΡΠΎΠΌΠ°ΡΠΈΠ·ΠΈΡΠΎΠ²Π°ΡΡ ΠΌΠ°ΡΡΠΎΠ²ΡΠ΅ Π²ΡΠΏΠ»Π°ΡΡ Π½Π° Π±Π°Π½ΠΊΠΎΠ²ΡΠΊΠΈΠ΅ ΠΊΠ°ΡΡΡ Π·Π°Π΅ΠΌΡΠΈΠΊΠΎΠ², ΡΠΎΠΊΡΠ°ΡΠ°Ρ Π²ΡΠ΅ΠΌΡ ΠΎΠ±ΡΠ°Π±ΠΎΡΠΊΠΈ Π·Π°ΡΠ²ΠΎΠΊ ΠΈ ΠΈΡΠΊΠ»ΡΡΠ°Ρ Π½Π΅ΠΎΠ±Ρ ΠΎΠ΄ΠΈΠΌΠΎΡΡΡ ΡΡΡΠ½ΠΎΠ³ΠΎ Π²ΡΠΏΠΎΠ»Π½Π΅Π½ΠΈΡ ΠΎΠΏΠ΅ΡΠ°ΡΠΈΠΉ.
ATMOS ΠΏΠΎΠ΄Π΄Π΅ΡΠΆΠΈΠ²Π°Π΅Ρ Π°Π²ΡΠΎΠΏΠ»Π°ΡΠ΅ΠΆΠΈ Ρ ΠΏΡΠ΅Π΄Π²Π°ΡΠΈΡΠ΅Π»ΡΠ½ΠΎΠ³ΠΎ ΡΠΎΠ³Π»Π°ΡΠΈΡ ΠΊΠ»ΠΈΠ΅Π½ΡΠ°. ΠΡΠΎ ΠΏΠΎΠ·Π²ΠΎΠ»ΡΠ΅Ρ Π°Π²ΡΠΎΠΌΠ°ΡΠΈΠ·ΠΈΡΠΎΠ²Π°ΡΡ ΠΏΠΎΠ³Π°ΡΠ΅Π½ΠΈΠ΅ Π·Π°ΠΉΠΌΠ° Π² ΡΠΎΠΎΡΠ²Π΅ΡΡΡΠ²ΠΈΠΈ Ρ Π³ΡΠ°ΡΠΈΠΊΠΎΠΌ ΠΏΠ»Π°ΡΠ΅ΠΆΠ΅ΠΉ ΠΈ ΡΠ½ΠΈΠ·ΠΈΡΡ ΠΊΠΎΠ»ΠΈΡΠ΅ΡΡΠ²ΠΎ ΠΏΡΠΎΡΡΠΎΡΠ΅ΠΊ.
ΠΠ°. ΠΠ»Π°ΡΡΠΆΠ½Π°Ρ ΡΠΈΡΡΠ΅ΠΌΠ° ΠΏΠΎΠ·Π²ΠΎΠ»ΡΠ΅Ρ Π²ΡΠΏΠΎΠ»Π½ΡΡΡ ΠΌΠ°ΡΡΠΎΠ²ΡΠ΅ Π²ΡΠΏΠ»Π°ΡΡ Π½Π° Π±Π°Π½ΠΊΠΎΠ²ΡΠΊΠΈΠ΅ ΠΊΠ°ΡΡΡ, ΡΡΠΎ ΠΎΡΠΎΠ±Π΅Π½Π½ΠΎ ΡΠ΄ΠΎΠ±Π½ΠΎ ΠΏΡΠΈ Π²ΡΠ΄Π°ΡΠ΅ Π±ΠΎΠ»ΡΡΠΎΠ³ΠΎ ΠΊΠΎΠ»ΠΈΡΠ΅ΡΡΠ²Π° ΠΌΠΈΠΊΡΠΎΠ·Π°ΠΉΠΌΠΎΠ².
ΠΠ°. ATMOS ΠΏΠΎΠ΄Π΄Π΅ΡΠΆΠΈΠ²Π°Π΅Ρ Π±Π΅Π·ΠΎΠΏΠ°ΡΠ½ΡΡ ΠΏΡΠΈΠ²ΡΠ·ΠΊΡ Π±Π°Π½ΠΊΠΎΠ²ΡΠΊΠΈΡ ΠΊΠ°ΡΡ, ΡΡΠΎ ΠΏΠΎΠ·Π²ΠΎΠ»ΡΠ΅Ρ ΡΠΏΡΠΎΡΡΠΈΡΡ ΠΏΠΎΡΠ»Π΅Π΄ΡΡΡΠΈΠ΅ ΠΏΠ»Π°ΡΠ΅ΠΆΠΈ ΠΈ Π°Π²ΡΠΎΠΌΠ°ΡΠΈΠ·ΠΈΡΠΎΠ²Π°ΡΡ ΠΏΡΠΎΡΠ΅ΡΡ ΠΏΠΎΠ³Π°ΡΠ΅Π½ΠΈΡ Π·Π°ΠΉΠΌΠ°. Π’Π°ΠΊΠΆΠ΅, ATMOS ΠΏΡΠ΅Π΄ΠΎΡΡΠ°Π²Π»ΡΠ΅Ρ Π°Π½Π°Π»ΠΈΠ· ΠΏΠ»Π°ΡΠ΅ΠΆΠ΅ΡΠΏΠΎΡΠΎΠ±Π½ΠΎΡΡΠΈ ΠΏΠΎ ΠΊΠ°ΡΡΠ΅ ΠΊΠ»ΠΈΠ΅Π½ΡΠ° Π΄Π»Ρ ΡΠΊΠΎΡΠΈΠ½Π³Π°.
ΠΠ»Π°ΡΡΠΎΡΠΌΠ° ΠΏΠΎΠ΄Π΄Π΅ΡΠΆΠΈΠ²Π°Π΅Ρ Π°Π²ΡΠΎΠΏΠ»Π°ΡΠ΅ΠΆΠΈ, ΠΏΠΎΠ²ΡΠΎΡΠ½ΡΠ΅ ΠΏΠΎΠΏΡΡΠΊΠΈ ΡΠΏΠΈΡΠ°Π½ΠΈΡ, ΠΏΡΠΈΠ²ΡΠ·ΠΊΡ Π±Π°Π½ΠΊΠΎΠ²ΡΠΊΠΈΡ ΠΊΠ°ΡΡ ΠΈ Π΄ΡΡΠ³ΠΈΠ΅ ΠΈΠ½ΡΡΡΡΠΌΠ΅Π½ΡΡ Π°Π²ΡΠΎΠΌΠ°ΡΠΈΠ·Π°ΡΠΈΠΈ, ΠΊΠΎΡΠΎΡΡΠ΅ ΠΏΠΎΠΌΠΎΠ³Π°ΡΡ ΠΏΠΎΠ²ΡΡΠΈΡΡ ΠΏΠ»Π°ΡΠ΅ΠΆΠ½ΡΡ Π΄ΠΈΡΡΠΈΠΏΠ»ΠΈΠ½Ρ Π·Π°Π΅ΠΌΡΠΈΠΊΠΎΠ² ΠΈ ΡΠΎΠΊΡΠ°ΡΠΈΡΡ ΠΊΠΎΠ»ΠΈΡΠ΅ΡΡΠ²ΠΎ ΠΏΡΠΎΡΡΠΎΡΠ΅ΠΊ ΠΏΠΎ ΠΊΡΠ΅ΡΠΈΠ΄Π°ΠΌ ΠΈ ΠΌΠΈΠΊΡΠΎΠ·Π°ΠΉΠΌΠ°ΠΌ.