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 is a UK payment provider that helps businesses accept Pay by Bank and card payments on one platform.
Pay by Bank uses secure open banking technology, allowing customers to pay directly from their bank app. Funds typically settle instantly. Card payments (Visa, Mastercard, American Express, Apple Pay, and Google Pay) are also supported, giving businesses flexible payment options across in-store, online, and remote payments.
Atoa is an FCA-authorised payment institution based in London and is rated “Excellent” on Trustpilot.
Pay by Bank allows customers to make payment via their UK Bank App or Internet Banking.
Instead of entering card details, customers:
- Scan a QR code or click a SMS/email payment link
- Select their bank
- Approve the payment securely in their banking app using Face ID or fingerprint scan
The money is sent directly from their bank to yours, often within seconds. No card details are shared, and no manual bank transfers are required.
- Pay by Bank – Funds are typically paid out instantly to your business bank account. Larger businesses can opt for end-of-day payouts, where transactions are consolidated into a single payout every 24 hours.
- Card payments – Card settlements depend on your existing price plan and payout structure with your current provider.
Yes. Atoa supports card payments (Visa, Mastercard, American Express, Apple Pay, Google Pay) alongside Pay by Bank.
Customers can choose to pay by card when using a payment link or online checkout. While Pay by Bank offers lower fees and instant settlement, card payments give customers flexibility where needed.
Both options are managed in one dashboard.
Our Pay by Bank rates are typically up to 50% lower than traditional card processing fees, helping businesses reduce payment costs.
Our card rates are also highly competitive. Pricing depends on your business type and monthly processing volume.
Atoa is designed for UK businesses, including:
- UK-registered limited companies processing £50,000 or more in monthly payments
- Registered UK charities (discounted rates available)
We do not currently support sole traders.
You can sign up in minutes via the Atoa Dashboard or download the Atoa Business app on iOS or Android.
The application takes around 5 minutes to complete, and our UK-based team will guide you through onboarding. We also offer a 7-day free trial so you can explore the platform before going live.
If you’d prefer a walkthrough, you can request a demo or speak to our team at hello@paywithatoa.co.uk.
Atoa supports payments across multiple channels:
In person:
- Payment terminals
- QR code stands
Remotely:
- SMS and email payment links
- Xero invoice payments
Online:
- Shopify checkout
- Magento
- WooCommerce
- WordPress
Customers can pay using Pay by Bank or card.
Our UK-based support team is here to help.
You can reach us via:
- Email: hello@paywithatoa.co.uk
- Live chat: Available in your Atoa dashboard
- Help Centre: Visit our online Help Centre for guides and walkthroughs
