Get cars off
the lot faster

Atoa 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 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.

Our payment links can be shared with customers over SMS, WhatsApp, social media or email. When the customer clicks on the link, they’ll see the amount due and an optional reference or note from the business. The customer selects their bank from the list provided and securely approves the payment in their bank app using their face ID or fingerprint scan. This is great for collecting deposits, repair estimates, loan down payments, and more. Payment links can be sent to prospective customers to increase sales conversion.

Find out more about SMS payment links.

Bank transfers can slow the customer experience and create inefficient processes in your dealership. Atoa provides a smooth payment experience with low fees that can help finalise sales faster. Plus you get:

1. Real-time payment visibility – When customers pay by bank transfer, the finance team becomes a bottleneck as sales teams need them to confirm funds have cleared. With Atoa, salespersons are notified as soon as a customer payment is made, removing finance teams from the process to get cars off the lot faster.

2. Smoother payment handling – Large bank transfers (such as car purchases) can often be flagged by the customer’s bank for review. This creates a “limbo” situation where neither party has the funds and the car can’t be released. Atoa tracks the movement of funds in real-time and provides updates when payments are delayed. This helps salespeople resolve issues quickly and reassure buyers.

3. Better customer experiences – Bank transfers require customers to enter bank details, which can make them question the purchase. With Atoa, the customer scans your QR code, performs face ID and funds are released directly to your business account. Atoa also shows your company name and logo so customers know who they are making a payment to.

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 customer’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.

Atoa is an automotive payment solution that helps car dealerships in the UK with low-fee, instant transactions for sales, servicing, and workshops. We’re trusted by 1000s of automotive businesses with new dealers signing up daily.

Atoa is an official partner of the Independent Motor Dealers Association (IMDA) and we are rated “Excellent” on Trustpilot. 

Atoa works with leading dealer management systems such as Keyloop and DealerKit, automotive website providers such as Starkwood Media Group and Haswent, and auto CRM such as Eskimo Software.

You can sign up by clicking the “Start 7-day free trial” button on the top of our website. You can also download our mobile app by searching for “Atoa Business” in the App Store or Play Store.

Registration takes about five minutes and is quick and easy. When you sign up, we offer 7 days of free transactions to get you started.