Get cars off
the lot faster

See our reviews on

As seen in

  • Sky-News
  • TechCrunch
  • Forbes
  • Yahoo
  • PitchBook

How payment links work

Get paid faster with payment links. Send customers a secure link using SMS, email, or WhatsApp. They pay directly from their bank app. Manage payments and send reminders easily from your app or dashboard. Magic.

Take control of your automotive payments

Find out how our solution can make your dealership or garage stand out from the competition with fuss-free payments.

previous image
next image
slider_img
Desktop friendly

From deposits to repairs, your team can send payment requests from their desktop and get instant alerts when funds arrive.

Learn More
slider_img
Get paid in-person…

Accept faster payments anywhere in your dealership or garage to boost cash flow.

Learn More
slider_img
Send SMS payment links

Collect deposits for sales and repairs remotely using SMS. Follow up with your customers to boost conversion and keep stock moving.

Learn More
slider_img
Collect payments on the forecourt

Forget PDQ machines and unreliable bank transfers – customers pay from their bank app by scanning a QR code.

Learn More
slider_img
Desktop friendly

From deposits to repairs, your team can send payment requests from their desktop and get instant alerts when funds arrive.

Learn More
slider_img
Get paid in-person…

Accept faster payments anywhere in your dealership or garage to boost cash flow.

Learn More
slider_img
Send SMS payment links

Collect deposits for sales and repairs remotely using SMS. Follow up with your customers to boost conversion and keep stock moving.

Learn More
slider_img
Collect payments on the forecourt

Forget PDQ machines and unreliable bank transfers – customers pay from their bank app by scanning a QR code.

Learn More

Atoa supports all major UK banks

Pay instantly from your personal or business bank app

logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo
logo

Atoa helps Ponko save on fees and sell more cars

Ponko, a leading car dealership and workshop in Cambridge with over 300 vehicles found a new automotive payment solution in Atoa. They now accept instant payments directly from their customers’ bank apps, and use Atoa for 96% of their transactions. This switch has saved them over £6,000 in card fees every month and brings a big cash flow boost.

General Manager, Jason Drury, and his team love how easy Atoa makes instant bank payments. They also use SMS payment links to improve the sales experience, allowing customers to pay for cars, deposits, and servicing even when they aren’t at the dealership. This straightforward process has helped Ponko close deals faster and increase its revenue.

star-icon star-icon star-icon star-icon star-icon

“Since moving to Atoa, we’ve saved £6,000 a month in payment fees… 96% of our payments are taken via Atoa now.”

Jason Drury, General Manager

Atoa vs. traditional payments

Features
Instant payment confirmation to release cars faster
A better experience for customers with increased loyalty and return visits
Higher conversion with SMS payments and deposits
Syncs with accounting software such as Xero, Quickbooks and Sage
Atoa logo
image
image
image
image
Debit Cards
image
image
image
image
Features
Instant payment confirmation
No need for bank or card details
Increase conversion with SMS links
Add staff with custom access levels
Collect Google Reviews
Atoa logo
image
image
image
image
image
Bank Transfers
image
image
image
image
image

Payments for every business

A fast and fair alternative to cards and bank transfers

Hair & Beauty

Hair & Beauty

Want instant cash flow, secure deposits, and flexible payments from your clients’ bank app? Look no further…
Learn More

Restaurants

Restaurants

Enjoy a fair alternative to card payments that allows guests to scan and pay, giving you instant cash flow and increased turnover.
Learn More

Retail

Retail

Use Atoa to accept contactless payments anywhere in-store. Our faster cash flow and fairer fees help keep your business running smoothly.
Learn More

Tradespeople

Tradespeople

Collect call-out fees with ease, track payments on the move, and save on transaction fees versus cards.
Learn More

Clinics

Clinics

Collect deposits by SMS and in-store payments using QR stands. Reduce no-shows and save on transaction fees.
Learn More
Card Image
Hair & Beauty
Card Image
Restaurants
Card Image
Retail
Card Image
Tradespeople
Card Image
Clinics

Join thousands of businesses growing with Atoa

    right-logo
  • Registration takes 5 minutes
  • right-logo
  • Get 14 days of free payments
  • right-logo
  • No sneaky contracts or hidden fees
  • right-logo
  • Efficiency boosting features like tips,
    Google Reviews, and much more
https://paywithatoa.co.uk/wp-content/uploads/2024/06/Group-481617-1.webp https://paywithatoa.co.uk/wp-content/uploads/2024/06/Group-481617-2.webp

Atoa works with what you’ve got

Connect the apps and software your business uses.

Syncs with your POS, DMS or accountancy software

card_image card_image

Add our payment API or SDK to your website or app

arrow
card_image card_image

Frequently asked questions

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.
  1. 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.
  1. 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 14-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 14 days of free transactions to get you started.