Time is money.
We help you save both.
Save more with every payment
Pay by Bank
Most preferred
Let customers pay directly from their bank app for
faster checkout and lower fees.
Pay by Card
Accept any Visa or MasterCard payments via modern Atoa terminals,
built for speed, reliability, and everyday business use.
Accept payments your way
Pay by Link
Send secure SMS and email payment links
and get paid remotely, with instant
confirmation and lower fees.
POS Terminal
Process in-store card and Pay by Bank
payments, with instant confirmation
and lower fees.
QR Payments
Let customers scan a QR code to pay
in store, with instant confirmation
and lower fees.
Online checkouts
Enable smooth, secure online
checkouts and get paid instantly,
with confirmation and lower fees.
Pay by Link
Send secure SMS and email payment links
and get paid remotely, with instant
confirmation and lower fees.
POS Terminal
Process in-store card and Pay by Bank
payments, with instant confirmation
and lower fees.
QR Payments
Let customers scan a QR code to pay
in store, with instant confirmation
and lower fees.
Online checkouts
Enable smooth, secure online
checkouts and get paid instantly,
with confirmation and lower fees.
How businesses benefit from Atoa
Lower costs
50% Lower fees on
Atoa with Pay by Bank.
Faster settlement
Get paid quicker with instant or next
day settlement for better cash flow.
Save time
52% Less time spent
on payment reconciliation.
Finance operations, finally on autopilot
Partial Payments
Accept deposits and split payments, with full visibility and real-time reconciliation.
Instant Reminders
Send payment reminders in one click and reduce time spent chasing late payments.
One-Click Refunds
Issue refunds instantly from your dashboard, no manual bank handling or delays.
Smart Automation
Automate everyday finance tasks so your team can focus on reporting, forecasting, and control.
Connect Atoa to the tools you use daily
Connect effortlessly with ecommerce, accounting, and banking tools you already rely on. Explore all Integrations
Fast, Flexible, Developer-Friendly
Use our clean SDKs and APIs to add secure payments with minimal code. Learn more
A trusted partner
for businesses in the UK
See how much you could save with Atoa
- Up to 50% lower payment fees
- Faster access to funds
- One platform for modern payments
ISO-27001 and SOC2 Secure
Security backed by UK banks
Authorised by the FCA
Schedule a quick chat with our team!
Select your preferred time, and our team will give you a short demonstration of how Atoa can work for your business. Book a call
Book a callAtoa allows customers to pay automotive retailers using their UK bank app. Our name is short for “account-to-account payments”.
Atoa uses the UK Government’s Open Banking network, which lets customers make an instant ‘bank transfer’ to businesses without entering their bank details. Atoa helps local auto businesses save on card fees and get paid faster. We sidestep card networks like Visa and Mastercard, which lowers business owners’ costs and improves cash flow.
Customers enjoy a safe and secure payment experience with Atoa. All they need is a UK bank app on their phone to pay your dealership or garage instantly without signing up or downloading any new apps.
Read our beginner’s guide to open banking to find out more.
When clients are ready to pay, they simply scan a QR code stand in the salon or clinic, which starts an account-to-account (A2A) payment in their smartphone browser. The customer enters the amount they wish to pay and selects their bank. They are then automatically redirected to their bank app to securely confirm the payment using their face ID or fingerprint scan. Once the payment is approved, funds are released to the business instantly.
Find out how in-store and phone QR payments work under ‘Features’ at the top of this page.
Our payment links are great for collecting deposits and can be shared with clients over SMS, WhatsApp, social media or email. When the client clicks the link, they’ll see the amount due and an optional reference or note from the business. The client selects their bank from the list provided and securely approves the payment in their bank app using their face ID or fingerprint scan.
When customers are ready to pay, they scan a QR code stand in the showroom, which starts an account-to-account (A2A) payment in their smartphone browser. The customer enters the amount they wish to pay and selects their bank. They are then automatically redirected to their bank app to securely confirm the payment using their face ID or fingerprint scan.
Once the payment is approved, funds are released instantly to the car dealership. The salesperson gets a real-time notification that payment was successful without needing access to the dealership’s bank account or contacting the finance department.
With Atoa, when a customer pays you, the full amount is paid into your bank account within seconds. We recommend setting up a direct debit to cover monthly transaction fees on Atoa. This way, your bill is paid automatically each month, helping you keep your cash flow smooth and your accounting simple.
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.
Atoa is safer than card payments. Unlike cards that can be lost or stolen, Atoa transactions are made from the customer’s bank app. Every payment is approved by the consumer’s bank and confirmed using a face ID or a fingerprint scan, removing the chances of chargeback fraud.
Atoa skips Visa and Mastercard’s card rails and instead taps directly into the UK government’s secure Faster Payments and Open Banking networks. The UK Financial Conduct Authority monitors every transaction, and banks handle all funds directly, meaning Atoa never touches your money. We’re rated “Excellent” on Trustpilot and trusted by thousands of UK businesses.
No. Atoa uses the open banking network for payments. To use Atoa, the client needs a UK bank account and banking app on their smartphone.
The client scans an Atoa QR code or clicks a payment link, which takes them straight to their bank app to approve the payment. Once confirmed, funds are transferred to the business bank account in seconds. This offers instant cash flow and up to 50% savings compared to traditional card payments. We call this technology “Instant Bank Pay” but it’s also known as an “account-to-account (A2A) payment” or “pay by bank”.
Yes. When partial payments are enabled, the customer can enter any amount up to the total balance. They’ll see the remaining balance each time they open the link.
No. Atoa uses the open banking network for payments. To use Atoa, the customer needs a UK bank account and banking app on their smartphone.
The customer scans an Atoa QR code or clicks a payment link, which takes them straight to their bank app to approve the payment. Once confirmed, funds are transferred to the business bank account in seconds. This offers instant cash flow and up to 50% savings compared to traditional card payments. We call this technology “Instant Bank Pay” but it’s also known as an account-to-account (A2A) payment or “pay by bank”.
