Instant open banking payments.
Lower fees.

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.