Instant open banking payments.
Lower fees.

Get paid faster and save up to 50% on fees with Pay by Bank. Customers pay straight from their existing bank app. No cards. No delays.

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FCA Authorised

Authorised UK Payment
Institution (FRN #1007647)

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Secure

ISO-27001 and SOC2 Certified

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Backed by

Backed by the
investors behind

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Rated "Excellent"

FCA Authorised

Authorised UK Payment
Institution (FRN #1007647)

Secure

ISO-27001 and SOC2 Certified

Backed by

Backed by the
investors behind

Rated "Excellent"

Accept payments your way

Our instant payment solution allows customers to pay you in-store or remotely from their bank app. Atoa’s open banking solution is easier than cash and cheaper than cards.

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Share secure payment links, for instant payments from customers' bank apps.

Explore payment links arrow Payment link

Integrate Atoa with your POS for table payments, guests scan a QR receipt to pay.

Learn more arrowabout Atoa Web Dashboard Payment link

Accept payments anywhere using a QR code on your phone.

Explore QR payments arrow Payment link

Show QR codes in-store for easy bank payments.

Learn more arrowabout Atoa Web Dashboard

Manage payments on desktop, to send and track all payments in one place.

Learn more arrowabout Atoa Web Dashboard Payment link

Share secure payment links, for instant payments from customers' bank apps.

Explore payment links arrow Payment link

Accept payments anywhere using a QR code on your phone.

Explore QR payments arrow Payment link

Show QR codes in-store for easy bank payments.

Learn more arrowabout Atoa Web Dashboard

Integrate Atoa with your POS for table payments, guests scan a QR receipt to pay.

Learn more arrowabout Atoa Web Dashboard Payment link

Manage payments on desktop, to send and track all payments in one place.

Learn more arrowabout Atoa Web Dashboard Payment link

Atoa allows customers to pay via their bank app

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How you accept payment

Your customers pay straight from their bank app -no cards, no delays.
You can set the amount or let them enter it themselves.

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Customer receives branded SMS link from your business.

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They select the bank & redirects to their bank app.

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They approve payment securely in their bank app.

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Both parties get instant payment confirmation.

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Customer scans your QR code with their phone.

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They enter the amount they wish to pay.

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They select their bank and approve the payment.

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Both parties get instant payment confirmation.

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Customer scans your QR code with their phone.

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They select their bank and approve the payment.

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They approve payment securely in their bank app.

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Both parties get instant payment confirmation.

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How UK businesses
benefit from Atoa

Whether you’re just starting out or scaling up, Atoa helps you cut
payment fees, speed up settlement, and keep more of what you earn.

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0%

Lower fees than
card machines.

0Min

Setup in minutes. No paperwork. No long approvals.

0%

Less time spent on payment reconciliation

How UK businesses
benefit from Atoa

Whether you’re just starting out or scaling up, Atoa helps you cut
payment fees, speed up settlement, and keep more of what you earn.

Explore pricing arrow
50%

Lower fees than
card machines.

3Min

Setup in minutes. No paperwork. No long approvals.

52%

Less time spent on payment reconciliation

In the news

Read about Atoa in leading tech journals.

Bank-grade protection,
without the friction.

Every Atoa payment is processed by the UK banks and protected by Face ID or fingerprint verification.

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Processed by Faster PaymentsProcessed by Faster Payments

Atoa transactions are processed via the UK Faster Payments Network, the same system used for payroll. Every payment is verified by your customer’s bank – no card numbers, and no chargebacks.

Fewer delays, less adminFewer delays, less admin

Getting your customers to pay using old-school bank transfers means time wasted verifying payments. Atoa tells staff instantly once payment is completed.

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Testimonials

Find out why our businesses are rating Atoa "Excellent" on
Trustpilot...

SUPER CHEAP

“What an amazing payment service. We’ve increased our deposit payments by up to 265% in 1 month. Payments super cheap, instant cash in your account.”

Harminder Singh Bains

The Beauty Wardrobe

THE BEST

"Atoa is easy to use for both the customer and consultant. The payment arrives immediately for us… Highly recommended!"

Andy Price

Just Wills & Legal Services

ALL IN ONE

“All I need in one app. For a small business like myself this type of payment service is a game changer. It’s so nice to see that there are still systems on the market that are not ripping you off with their fees.”

Dora Maries

Holimed Beauty

SIMPLICITY

"We have been very impressed by the ease and simplicity of the link which makes it easy for our customers to pay when they are going through a stressful situation. Thanks Atoa, you make fee collection simple!"

Shepsi Haider

Family Law Cafe

SUPERB

“Superb piece of software to simplify taking payments for businesses.”

Malcolm Beattie

MB Motors

BRILLIANT CONCEPT

“Wish we used it earlier! Brilliant concept that is easy to use and saves the company so much on fees.”

Nicolas Colombo

LDN Physio

INSTANT CASH FLOW

“In short, improves cash flow with instant payments, much much cheaper (saved us over £2,000 a month in payment fees)… would 110% recommend it to any other business.”

Lee Shayler

Richlee Motor Company

Join to save up to 50% on payment fees with Atoa

Let customers pay from their bank app - faster, cheaper, and more secure than cards.
  • Sign up in 3 minutes
  • Get paid instantly
  • No chargebacks or card fraud
  • Boost revenue with built-in tips
    and Google Reviews

ISO 27001 & SOC 2 Type II

FCA Authorised

Book a demo with Atoa

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Want to learn more about Atoa?
Why not book a free 15-minute demo with our team.

Atoa vs. traditional
payments

Whether you're using card machines or manual bank transfers, Atoa helps you save time, cut costs, and get paid faster.

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Features
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Bank Transfers
Debit Cards
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Instant payment confirmation

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No chargeback risk

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No need for bank or card details

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Increase conversion with SMS links

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Add staff with custom access levels

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Collect Google Reviews

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Frequently asked questions

Atoa is a simple way for anyone in the UK to pay in stores using their own bank app. It's like making an instant bank transfer, but without the hassle of entering sensitive card details.

  • Atoa uses the secure Open Banking network, backed by the UK Government. This lets you send money directly to businesses from your bank app.
  • Customers pay from their UK bank app, so there's no need for you to process cash, cards or bank transfers.
  • Payments are fast (usually within seconds) and up to 50% cheaper than card payments.

There are two ways customers can pay with Atoa:

Scan a QR code

  • Customers scan the Atoa QR code at the store with their smartphone and are redirected to their bank app.
  • They confirm the payment with a quick face or fingerprint scan.
  • Done! Your payment is sent instantly.

Use a payment link

  • Send the customer a secure payment link by text, WhatsApp, email or on an invoice.
  • The customer taps the link which opens the payment in their browser.
  • They're redirected to their bank app to confirm payment with a face or fingerprint scan.
  • Your business gets funds within seconds.

No, you can't pay with a credit card when using Atoa.

Atoa lets customers pay your business directly from their UK bank app. It's fast, secure, and cheaper than accepting card payments.

  1. Scan or click: Scan the Atoa QR code or click the payment link.
  2. Confirm in your bank app: You'll be taken to your bank app to confirm the payment.
  3. Done! The money is sent instantly to the business.

We call this "Instant Bank Pay" but the finance term is account-to-account payments.

Yes, Atoa payments are secure. They're even safer than card payments. Here's why:

  • No card details shared: You pay directly from your bank app, so your card details are never shared or exposed.
  • We use strong biometric authentication: Every payment is approved by the customer's bank and confirmed with their face or fingerprint ID.
  • Secure networks: Atoa uses the UK government's secure Faster Payments and Open Banking networks to keep all of its payments secure.
  • Your money is safe: Your bank handles all funds directly. Atoa never touches or holds your money.
  • Our customers trust us: We're used by thousands of UK businesses who rate us “Excellent” on Trustpilot.

Atoa cuts out networks (like Visa and Mastercard) that charge fees for card payments.

Instead, your customers pay directly from their bank account to yours. This means:

  • No card fees: We avoid the high fees charged by card networks.
  • Instant payments: The money goes straight from your customer's account to yours.

That's how we can offer you savings of up to 50% compared to traditional card payments!

  1. Find the app: Search for "Atoa Business" in your app store.
  2. Or click here: You can also click the sign-up link at the top right of this page.
  3. Get started: Enjoy 7 days of free transactions when you sign up!

At Atoa, we keep payments simple and transparent.

  • Monthly invoices: We'll send you an invoice at the end of each month detailing your fees based on your chosen plan.
  • Instant payouts: You receive the full payment amount as soon as your customer pays. This means better cash flow for your business.
  • No hidden fees: The price you see is the price you pay.
  • Low fees: With our fees, you can save up to 50% compared to leading card payments—and pay even less when processing higher volumes.
  • Easy payments: Set up a direct debit when you sign up for hassle-free billing.

With Atoa, you can focus on your business, not your payment fees.