Accept payments your way
Our instant payment solution allows customers to pay you in-store or remotely from their bank app. It’s easier than cash and cheaper than cards.
Get paid in-store…
Display QR code stands in-store for customers to scan and pay from their bank app. No hardware fees, no hassle.
Learn More
…or on the go
Accept payments anywhere by showing customers a QR code on your phone screen. Ideal for tradespeople, showrooms or events.
Learn More
Easy SMS payments
Share secure payment links with your customers to pay instantly from their bank app. Perfect for collecting deposits and invoice payments.
Learn More
Pay at the table
Integrate Atoa with your hospitality POS so guests scan a QR receipt to pay. Helps reduce waiting times to get more covers (and tips!)
Learn More
Manage payments on desktop
Use the Atoa Dashboard to send and track payment links. Ideal for busy office teams and call centres.
Learn More
Get paid in-store…
Display QR code stands in-store for customers to scan and pay from their bank app. No hardware fees, no hassle.
Learn More
…or on the go
Accept payments anywhere by showing customers a QR code on your phone screen. Ideal for tradespeople, showrooms or events.
Learn More
Easy SMS payments
Share secure payment links with your customers to pay instantly from their bank app. Perfect for collecting deposits and invoice payments.
Learn More
Pay at the table
Integrate Atoa with your hospitality POS so guests scan a QR receipt to pay. Helps reduce waiting times to get more covers (and tips!)
Learn More
Manage payments on desktop
Use the Atoa Dashboard to send and track payment links. Ideal for busy office teams and call centres.
Learn MoreMore
than just payments…
Atoa has the features you need to run your business efficiently and help it grow.
Add staff to accept more payments
Grow your business faster by adding your team with custom access levels.
Build your tips, reward staff
Boost your income with optional tips for staff. This feature may help boost takings by 5-10%.
Become a 5-star business
Link your Google Business Profile to collect reviews during payment and attract new customers.
Add staff to accept more payments
Grow your business faster by adding your team with custom access levels.
Build your tips, reward staff
Boost your income with optional tips for staff. This feature may help boost takings by 5-10%.
Become a 5-star business
Link your Google Business Profile to collect reviews during payment and attract new customers.
"Atoa is a game changer for low fees, instant payouts, and amazing customer service!"
Dora, Holimed Beauty, Surrey
"Atoa is far easier for deposits. Customers don’t need to log in to their bank account or transfer money to companies they don't know."
Remo, SCC, Leeds
"Money lands in our account instantly and processing fees went down straight away."
Luka, Goldsmith, London
"If you’re starting a business and wondering how to accept payments, try Atoa. I downloaded the app and got set up in about two minutes."
Damian, Carter Creative, Manchester
"Since moving to Atoa, we have saved about £6,000 a month in transaction fees. 96% of our payments are now taken via Atoa."
Jason Drury, Ponko, Cambridge
"Atoa is a game changer for low fees, instant payouts, and amazing customer service!"
Dora, Holimed Beauty, Surrey
"Atoa is far easier for deposits. Customers don’t need to log in to their bank account or transfer money to companies they don't know."
Remo, SCC, Leeds
"Money lands in our account instantly and processing fees went down straight away."
Luka, Goldsmith, London
"Since moving to Atoa, we have saved about £6,000 a month in transaction fees. 96% of our payments are now taken via Atoa."
Jason Drury, Ponko, Cambridge
"If you’re starting a business and wondering how to accept payments, try Atoa. I downloaded the app and got set up in about two minutes."
Damian, Carter Creative, Manchester
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Get paid instantly, better cash flow
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Lower fees (starting at 0.7% + VAT)
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Reduce no-shows with deposits
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Collect Google Reviews
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Zero chargeback risk
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Instant payment confirmation
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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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Join thousands of businesses growing with Atoa
- Registration takes 5 minutes
- Get 7 days of free payments
- No sneaky contracts or hidden fees
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Efficiency boosting features like tips,
Google Reviews, and much more
Syncs with your POS, DMS or accountancy software
Add our payment API or SDK to your website or app
Frequently asked questions
Email us at hello@paywithatoa.co.uk
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 lets customers pay your business directly from their UK bank app. It's fast, secure, and cheaper than accepting card payments.
- Scan or click: Scan the Atoa QR code or click the payment link.
- Confirm in your bank app: You'll be taken to your bank app to confirm the payment.
- Done! The money is sent instantly to the business.
We call this "Instant Bank Pay" but the finance term is account-to-account 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.
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 60% compared to traditional card payments!
- Find the app: Search for "Atoa Business" in your app store.
- Or click here: You can also click the sign-up link at the top right of this page.
- 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: Our fees are capped at 0.7% per transaction, and can even be lower if you process 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.