ATMOS
ATMOS is a licensed Uzbek payment organization providing a unified payment gateway for online acceptance of UZCARD, HUMO, Visa, Mastercard, Click, Payme, and Uzum Bank via a single API, serving 900+ merchants across e-commerce, microfinance, taxi, BNPL, aviation, and HoReCa verticals with PCI DSS 4.0.1 certified infrastructure.
- Company typePrivate
- Founded2017
- HeadquartersTashkent, Uzbekistan
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What ATMOS does
ATMOS is a licensed payment organization headquartered in Tashkent, Uzbekistan, founded in 2017 and operating under Payment Organization License No. 4 issued by the Central Bank of the Republic of Uzbekistan. The company provides a unified payment gateway enabling Uzbek businesses to accept online payments via UZCARD, HUMO, Visa, Mastercard, Click, Payme, and Uzum Bank through a single API integration, replacing the need for separate contracts and integrations with each payment provider. ATMOS reports approximately 900 active merchants and processes over 12 million successful transactions annually with 99.99% uptime and 24/7 technical support.
ATMOS firmographics
Firmographics- Name
- ATMOS
- Legal name
- ATMOS
- Website
- https://atmos.uz
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- ATMOS is a licensed Uzbek payment organization providing a unified payment gateway for online acceptance of UZCARD, HUMO, Visa, Mastercard, Click, Payme, and Uzum Bank via a single API, serving 900+ merchants across e-commerce, microfinance, taxi, BNPL, aviation, and HoReCa verticals with PCI DSS 4.0.1 certified infrastructure.
- Ownership category
- akta.pro rank
ATMOS industry classification
Industry- Product category
- Payment Gateway / Internet Acquiring
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Payment Gateways & API Connectivity (FSAGABAB)
- akta.pro secondary industries
- Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA), Payment Processing & Acquiring Infrastructure (FSAGABAC), Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN), Payment Gateways & Orchestration (BPAMAFAA)
Keywords
Where ATMOS is headquartered
LocationHeadquarters
- HQ city
- Tashkent
- HQ country
- Uzbekistan
- HQ region
- Asia
Offices1 record
Markets served
ATMOS business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales
Revenue model
- Transaction Processing / Interchange Fees: ATMOS earns revenue by charging merchants a commission or take rate on each successful payment transaction processed through its platform. The platform supports acquiring for domestic cards (UZCARD, HUMO) and international cards (Visa, Mastercard), with fees varying by merchant category, transaction volume, and service bundle. This is the primary revenue driver, referenced as 'oborot successflnyh transaktsiy v god, sum' (annual successful transaction turnover in sum) and merchant testimonials highlighting commission rates.
- Subscription / Recurring Payment Services: Revenue from businesses utilizing recurring payment infrastructure including subscription management, autopayments, and scheduled billing. ATMOS charges for the automation infrastructure enabling merchants to run subscription-based business models (online cinemas, SaaS, education platforms, fitness clubs, delivery services) without rebuilding payment logic.
- Payout / Disbursement Services: ATMOS charges merchants for mass automated payout services to disbursements to couriers, drivers, freelancers, and microfinance borrowers. Pricing is individualized per merchant based on volume and payout frequency.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Custom pricing per merchant — no standard public tiers published |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
ATMOS product offering
Product offeringCore offering
ATMOS provides a unified payment gateway platform that enables businesses in Uzbekistan to accept online payments from UZCARD, HUMO, Visa, Mastercard, Click, Payme, and Uzum Bank through a single API integration. The platform supports card tokenization, recurring/subscription billing, partial holds, mass payouts, and payment splitting, with specialized industry solutions for microfinance, BNPL, taxi fleets, HoReCa, aviation ticketing, and installment retail. Infrastructure is PCI DSS 4.0.1 certified and operates under Central Bank of Uzbekistan License No. 4.
Product overview
ATMOS is a payment organization providing a unified payment acceptance infrastructure for businesses in Uzbekistan. The core offering is internet acquiring (online payment acceptance) which integrates UZCARD, HUMO, Visa, and Mastercard through a single API connection. The platform offers additional payment modules including card tokenization/linking, recurring/subscription payments, partial holds for variable-amount transactions, mass payouts for disbursements, and payment splitting. ATMOS provides industry-specific solutions built on this infrastructure for microcredit organizations, BNPL services, taxi fleets, installment shops, HoReCa, and airline ticketing. The MPS (Visa/Mastercard) module provides separate international card acquiring with 3DS support.
Differentiator
Problem solved
Functional benefit
Products and services
- Internet Acquiring Core internet acquiring service enabling businesses to accept online payments via UZCARD, HUMO, Visa, and Mastercard on websites and mobile applications. Supports payment widgets, embedded checkout frames, and full API integration for online stores and e-commerce platforms.
- Card Linking Secure card tokenization service allowing merchants to link customer bank cards for future payments without re-entering card details. Supports UZCARD and HUMO cards with PCI DSS compliant data storage and one-time SMS OTP confirmation.
- Recurring Payments
Quantifiable outcome
- 99.99% service uptime maintained across all product lines and payment infrastructure
- +3 more outcomes
Companies that use ATMOS
Customer profileNamed customers42 records
Segments8 records
Ideal customer profiles5 records
ATMOS technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
AI capability1 record
Feature10 records
ATMOS partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and secondary.
- UzcardcoreUzcard is Uzbekistan's largest domestic payment system and a primary payment method supported by ATMOS. The partnership enables ATMOS merchants to accept payments from Uzcard cards as part of the unified acquiring platform. Multiple Uzcard partner badges are displayed on ATMOS's website, indicating an established, active partnership.
- HUMOcoreHUMO is a major domestic card network in Uzbekistan. ATMOS provides acquiring services for HUMO cards alongside UZCARD, Visa, and Mastercard as part of its unified payment gateway, allowing merchants to accept all domestic card types through a single integration.
- VisacoreATMOS operates as an IPS (International Payment System) acquiring partner for Visa, enabling Uzbek legal entities to accept Visa card payments. The partnership includes 3DS authentication support and RRN transaction references for international card processing.
- MastercardcoreATMOS is a Mastercard acquiring partner enabling businesses in Uzbekistan to process Mastercard card payments through the same unified API. A Mastercard partner badge is displayed on the ATMOS website.
- PaymesecondaryPayme, a popular Uzbekistan e-wallet and payment service, is supported through ATMOS's unified payment acceptance platform. Merchants can accept Payme payments alongside card payments through a single integration with ATMOS.
- ClicksecondaryClick, a widely-used Uzbekistan payment service and e-wallet, is integrated into ATMOS's payment acceptance platform, allowing merchants to receive Click payments via the same unified API integration.
- Uzum BanksecondaryUzum Bank, a major Uzbek neobank and payment ecosystem, is supported as a payment method through ATMOS's unified acquiring platform, enabling merchants to accept Uzum payments alongside other payment methods.
Scale indicators6 records
Recent moves6 records
Expansion highlights5 records
ATMOS competitors and assessment
Company assessmentBroad incumbents
- Stripe: Global payment infrastructure provider with developer-first API-first approach. Comparable to ATMOS in API-centric integration philosophy and unified payment acceptance across cards and alternative methods.
- Adyen: Global payment platform providing unified acquiring, processing, and treasury services for enterprise merchants. Relevant comparison for ATMOS's single-API, multi-payment-method architecture and platform ambition.
- PayU: Global payment gateway operating across emerging markets including Central and Eastern Europe, Asia, and Latin America. Comparable to ATMOS as a regional payment gateway serving merchants with unified multi-method payment acceptance.
Direct peers
- Payme: One of Uzbekistan's leading digital wallets and payment services, offering merchant acquiring, P2P transfers, and bill payments. Direct overlap with ATMOS in payment acceptance and consumer payment infrastructure within the same Uzbek market.
- Kaspi.kz: Kazakhstan's super-app combining payments, marketplace, and fintech services. Comparable as a Central Asian payment processor that has built a vertically integrated fintech platform and offers a useful proxy for ATMOS's potential regional expansion trajectory.
- Uzum Bank: Uzbek neobank building a full fintech ecosystem including BNPL (Nasiya), payments, marketplace, and banking. Competes with ATMOS in BNPL and digital payments while also being an integration partner.
- Click: Major Uzbekistan payment service and e-wallet providing merchant acquiring, P2P transfers, and government payment services. Comparable to ATMOS as a domestic payment infrastructure provider serving merchants and consumers in Uzbekistan.
Regional players
- TBC Bank Uzbekistan (TBC UZ): Digital bank operating in Uzbekistan and Georgia, offering payment and banking services to consumers and merchants. Comparable as a regional financial services player active in Uzbekistan's growing fintech ecosystem.
- YooMoney (formerly Yandex.Kassa): Russia/CIS-focused payment service provider offering merchant acquiring for cards and alternative methods. Comparable to ATMOS as a regional payment gateway serving the CIS market with similar API-driven integration.
Emerging players
- Rapyd: Fintech-as-a-service platform providing payment infrastructure across emerging and underserved markets. Comparable to ATMOS in targeting emerging-market merchants with unified multi-method payment orchestration.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
ATMOS social profiles
Digital presenceATMOS compliance and trust
Trust signalCompliance2 records
ATMOS financial estimates
Financial estimateRevenue estimate
Valuation estimate
ATMOS leadership team
Management profileNumber of profiles
ATMOS funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ATMOS M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about ATMOS
What does ATMOS do?
ATMOS provides a unified payment gateway platform that enables businesses in Uzbekistan to accept online payments from UZCARD, HUMO, Visa, Mastercard, Click, Payme, and Uzum Bank through a single API integration. The platform supports card tokenization, recurring/subscription billing, partial holds, mass payouts, and payment splitting, with specialized industry solutions for microfinance, BNPL, taxi fleets, HoReCa, aviation ticketing, and installment retail. Infrastructure is PCI DSS 4.0.1 certified and operates under Central Bank of Uzbekistan License No. 4.
Is ATMOS a public or private company?
ATMOS is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was ATMOS founded?
ATMOS was founded in 2017. It employs 11 to 50 people.
Where is ATMOS based?
ATMOS is headquartered in Tashkent, Uzbekistan, in the Asia region.
How does ATMOS make money?
Three revenue lines are on record. Transaction Processing / Interchange Fees are the primary driver. The others are subscription / Recurring Payment Services and payout / Disbursement Services.
Who are ATMOS's main competitors?
Broad incumbents on record are Stripe, Adyen and PayU. Direct peers are Payme, Kaspi.kz, Uzum Bank and Click. Regional players are TBC Bank Uzbekistan (TBC UZ) and YooMoney (formerly Yandex.Kassa). Rapyd is listed as an emerging player.
Does ATMOS have an API?
Yes. REST API for payment processing, card linking, holding operations, Visa/Mastercard acquiring, and PINFL-based withdrawals. Supports Bearer token authentication (OAuth-like), JSON messaging format, multiple language support (uz/ru/en), and webhook-based callback for transaction reconciliation. API endpoints include transaction creation, pre-confirmation, verification, multi-transaction support, partial reversals, card binding, holding operations, and MPS (Visa/Mastercard) acquiring. Sandbox environment available for testing. Developer documentation is at docs.atmos.uz/en.
What industry is ATMOS in?
ATMOS's product category is Payment Gateway / Internet Acquiring. Its primary akta.pro industry code is FSAGABAB, Payment Gateways & API Connectivity, with a secondary code of FSAMACAA, Merchant Payment Gateways (API/Hosted Checkout). Its NAICS code is 52232 and its SIC code is 6199.