The Bank rail for the
agent economy.
Every payment an AI agent makes — settled bank to bank, with a signed, provable record.
Agentic payments,
enhanced.
The regulated bank rail for the agent economy is here.
Atoa lets AI agents pay via Banks directly or cards. Optimising payment fees, security, and settlement times.
Approve once.
Then your agent just pays.
Someone asks, the agent installs Atoa, you approve one time — then it pays on its own, and every payment leaves a provable receipt.
Real scenarios.
Every payment, provable.
Real scenarios. Every payment leaves a signed, provable record.
Speaks the protocols
agents already use.
Atoa isn't a card API with an agent wrapper. It's built ground-up for the emerging standards of agentic commerce — so your agents authorise and settle payments without leaving their native flow.
Honours signed payment mandates so an agent's authority to spend is explicit, scoped and verifiable — not a shared secret sitting in a prompt.
Answers the "402 Payment Required" handshake natively, so agents can pay for resources and APIs inline, mid-task, over a real bank rail.
Drop the Atoa MCP server into any agent and payments become a first-class tool — live today, no bespoke integration.
Give your agent a wallet in one line.
Connect the Atoa MCP server and your agent can request, verify and settle real bank payments — with the regulated rail and the proof handled for you.
# Add the Atoa rail to any MCP-capable agent npx @atoa/mcp install # or register it directly claude mcp add atoa \ --url https://mcp.atoa.ai/sse \ --header "Authorization: Bearer $ATOA_KEY" # ✓ rail connected · UK & EU · FCA-authorised
import { Atoa } from "@atoa/sdk"; const rail = new Atoa({ key: process.env.ATOA_KEY }); // agent settles bank-to-bank — affordability checked first const receipt = await rail.pay({ payee: "merchant_atoa_7f3a", amount: 42.00, currency: "GBP", mandate: agent.mandate(), // AP2 }); receipt.provable; // → true (signed, auditable) receipt.feePence; // → 4 (not ~294 on a card)
Regulated by design.
Provable by default.
Money moving for autonomous agents needs more oversight than less, so we built Atoa on a regulated rail with an audit trail on every payment.
Authorised, not improvised
Built and operated by Atoa, a UK FCA-authorised payments company.
FCA-authorised rail
Payments run through a regulated institution — not an unlicensed intermediary.
No card data stored
Bank-to-bank means no card numbers or PANs to leak, breach or replay.
Every payment, an Atoa
A signed, verifiable record from intent to settlement.
End-to-end audit trail
Who authorised it, the affordability result, and where it settled — all reconcilable.
Affordability on record
The real-time funds check is logged with the payment, not assumed after the fact.
A payments company, not a prototype.
Atoa is a UK FCA-authorised payments company already moving real bank-to-bank payments for businesses. The rail, the licensing and the banking relationships are in place — now we're pointing them at the agent economy.
Let your agents pay
like they belong here.
Book a demo and we'll connect the Atoa rail to your agent — affordability check, bank settlement and a provable record, live.
UK & EU · FCA-authorised via Atoa
