Cardless Payment App Made for Tradespeople

Demand for tradespeople is at an all-time high, so business is booming, right? But if you’re a tradesperson, you’ll know that getting paid isn’t always easy. Many customers are slow to pay, and some don’t pay at all. But what if there was an easy-to-use cardless payment app to cut through it all? 

Well, we’ve got some good news for you! Atoa is that app. Even better, it’s designed with tradespeople in mind. Open banking is the game’s name and helps us give you the best payment experience possible without the need for debit cards.

How can a cardless payment app improve my business?

We know you’re always zipping between customers’ homes and using your van like an office on wheels. Open banking apps let you accept payments anywhere without cards or cash machines. Show customers a QR code on your smartphone screen or send remote requests and advance payments such as call-out fees and deposits via SMS and WhatsApp.

Fees are lower with Atoa…

Enjoy low transaction fees that never creep above 0.7% (but can fall lower with higher volumes!) For a £300 job, SumUp will charge you a surprising £5.07 in card processing fees or £7.50 on remote fees like an invoice or link payment. Atoa would only take a maximum of £1.80, regardless of how the customer pays. Find out how much more profit you can pocket here.

Want to boost your cash flow with secure instant bank payments?

Get paid on the spot and avoid late payments, which will help keep your cash flow steady and your business running more smoothly.

Remove the risk of chargeback fraud or disputes as all customer payments are fully verified by their mobile banking logins, such as fingerprint scans or Face IDs.

Are customers over the moon? Make the most of it by taking tips on the app. Your revenue could increase by 5-10%. A nice little win for the rainy day fund!

Manage your finances and export them so that you can focus on other areas of your business.

How can I start taking cardless payments?

Whatever your trade, Atoa is the perfect way to get paid faster. You can avoid bad debt and keep your business running smoothly, allowing you to take home more of what you earn! You did the work, so you deserve the reward.

So don’t hesitate to ditch the card machine today! In return, we’ll give you 7 days of free instant transactions as a thank-you for choosing Atoa.

Frequently asked Questions

What is a cardless payment app?

A cardless payment app lets you take payments without a card machine, using open banking to move money directly from the customer’s bank account to yours. The customer approves the payment in their own banking app, so there is no terminal to carry or card to swipe. Atoa is a cardless app built for tradespeople.

How do tradespeople get paid with Atoa?

Tradespeople get paid with Atoa by showing a QR code on their phone on site, or by sending a remote request by SMS or WhatsApp. The customer approves the payment in their banking app, and funds arrive in the business account, usually within 3 to 6 seconds via Faster Payments. This works for call-out fees, deposits and final bills.

Can I take payments without a card machine?

Yes, you can take payments without a card machine using Atoa. Payments run through open banking on your phone, so there is no terminal to rent and no machine rental fees. You can accept payment in person by QR code or remotely by SMS and WhatsApp.

How much does Atoa charge tradespeople?

Atoa’s Pay by Bank fees start from 0.6% plus VAT, which is up to 50% lower than typical card fees, and card payments start from 1.3%. There is no contract, no card machine rental and a 7-day free trial. Lower fees mean you keep more of what you earn on each job.

Can I take a deposit or tip on the job?

Yes, you can take a deposit or a tip on the job with Atoa. Deposits and advance payments such as call-out fees can be requested by SMS or WhatsApp before the work starts, and the app lets customers add a tip when they pay. Because payments are approved in the customer’s banking app, they are protected from chargebacks.