As Seen in

Get paid in seconds (not days)

It’s your money, so you get paid instantly, straight into your bank account.

No catches. No funny business

We hate long, scary ‘gotcha’ contracts too. Atoa is on your side, so everything is simple, fair and transparent.

Fast & secure for your customers

Customers pay safely and quickly using their own UK bank app. Nothing to learn, nothing to install.

Way lower fees

We cut out the card middlemen so we can save you a fortune on unfair fees.

It’s the fast, fair and secure way for customers to pay

Customer scans QR code or taps their phone

QR stand, stickers, phone screen or payment links. No matter how you choose to pay, we’ve got you covered.

Choose which bank app to securely pay with

They choose their bank app to approve the payment. Payment completes in the customer’s browser. No need to download an app!

Securely pay with Bank

Quick and easy payment approval!

Payments are processed instantly and securely without hefty card fees.

Quick and easy payment

You choose
how to get paid

QR codes in store

Customers scan QR code stands and stickers in-store to make secure instant payments.

WhatsApp, SMS and email

Send secure payment links to your customer.

Show the customer your phone

No expensive POS machines! Show the customer a QR code on your screen for safe and easy payments


No gotcha contracts, hardware costs or hidden fees.


Unbeatably low fees at 0.6% per transaction, negotiable for higher volumes.


No more card middlemen!

Happy customers

With Atoa, we’ve totally cut out the card companies fees

Mikey T,



This has saved me a tonne of money

Ben McG,



Atoa is a great alternative to cards.

Phil B,



Atoa helps with cashflow alot… I am so so grateful.

Maria H,