ATMOS

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.

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

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

• Payment gateway services
• Internet acquiring
• Card tokenization
• Recurring payment processing
• Mass payout infrastructure

Headquarters

HQ city

Tashkent

HQ country

Uzbekistan

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales

Revenue model

1. 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.
2. 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.
3. 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

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core 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

Named customers42 records

Segments8 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

AI capability1 record

Feature10 records

Partnerships

Seven partnerships are on record, tiered core and secondary.

• UzcardcoreTechnology or IntegrationUzcard 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.
• HUMOcoreTechnology or IntegrationHUMO 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.
• VisacoreTechnology or IntegrationATMOS 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.
• MastercardcoreTechnology or IntegrationATMOS 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.
• PaymesecondaryTechnology or IntegrationPayme, 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.
• ClicksecondaryTechnology or IntegrationClick, 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 BanksecondaryTechnology or IntegrationUzum 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

Broad 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

• LinkedInlinkedin.com/company/atmos-uz

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ATMOS