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.
Agentic payments,
answered.
The essentials on agentic commerce, the protocols agents speak, and how they pay over Atoa's regulated rail.
What is agentic commerce?
Agentic commerce is when an AI agent carries out a transaction on your behalf — finding a product or service, comparing options and completing the purchase autonomously, within limits you've approved. Instead of a person clicking "buy", the agent does it, so the payment step has to be machine-initiated yet still authorised, affordable and auditable.
What are agentic payments and how do they work?
Agentic payments are payments initiated by an AI agent rather than a person. With Atoa you approve the agent once with a scoped mandate; from then on it can pay within those limits. Each payment settles bank-to-bank over a regulated rail, is checked for affordability in real time, and produces a signed, provable record from intent to settlement.
How do AI agents pay with Atoa?
You connect the Atoa MCP server to your agent and approve it one time. It can then request, verify and settle real payments on its own — bank to bank, or by card where needed. Every payment carries a signed mandate (AP2), a real-time affordability check and an auditable receipt, so you can see who authorised it and where it settled.
What are the AP2 and x402 protocols?
AP2 (Agent Payments Protocol) uses signed payment mandates, so an agent's authority to spend is explicit, scoped and verifiable — not a shared secret sitting in a prompt. x402 answers the "HTTP 402 Payment Required" handshake natively, letting agents pay for APIs and resources inline, mid-task, over a real bank rail. Atoa speaks both, with MCP (Model Context Protocol) as the interface agents plug into.
Are agentic payments secure?
Yes. Atoa runs on an FCA-authorised regulated rail, not an unlicensed intermediary. Payments are bank-to-bank, so there are no card numbers or PANs to leak, breach or replay. Every payment is bound to a signed mandate, has its affordability logged, and leaves an end-to-end audit trail — who authorised it, the funds check, and where it settled.
What is the agentic commerce protocol?
"Agentic commerce protocol" refers to the emerging open standards that let AI agents transact safely — chiefly AP2 for signed payment mandates and x402 for pay-per-request settlement, exposed to agents through MCP. Atoa is built ground-up around these, so agents authorise and settle payments without leaving their native flow.
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.
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
UK & EU · FCA-authorised via Atoa
