Stop chasing invoices.Start getting paid.
What are online invoice payments?
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Online invoice payments let your customers make a payment with much easy.
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They just click the ‘Pay now’ link that takes them to a secure page that offers two options: Pay by Bank or card.
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Once they choose their preferred payment method and complete the transaction, the invoice is marked as paid.
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It removes the friction that makes invoices sit unpaid: no copying account details, no typing a reference, no waiting.
One platform, every way your customers pay
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Step 1
Create a branded invoice.
Build it in Atoa with your logo and colours. Customer and product details you have already stored auto-fill, so repeat billing takes a few clicks, not a few minutes.
Step 2
Send it. They tap once.
The customer gets a ‘Pay now’ link. They tap it, pay by Pay by Bank by approving in their Bank app, or by card.
Step 3
The money moves. The invoice closes.
Pay by Bank settles the next day for larger businesses. The invoice status updates to paid in your Atoa dashboard. No chasing, no guessing, no manual reconciling.
What actually changes
Lower fees and on big invoices, the gap is significant.
Pay by Bank fees are lower, so the larger the invoice, the more you keep versus card.
Settled the next day. Not eventually.
Pay by Bank settles instantly for most small businesses via Faster Payments. Larger businesses receive funds the next working day. Either way, you are not waiting days for cash that is already owed to you.
With automatic reconciliation, know who has paid without having to ask.
Every invoice shows its live status in the Atoa dashboard – sent, partially paid, paid or overdue. No awkward “just following up” email required.
Zero chargebacks on Pay by Bank payments. It cannot be disputed.
Pay by Bank payments are authenticated through the customer’s own Bank app. Once approved, they stand.
They pay their way. Even partly.
Customers choose Pay by Bank or card from the same link. And if a customer pays in stages, partial payments are supported too.
An invoice that looks like you made it on purpose.
Add your logo and brand colours. Customers see a professional payment page that matches your business, not a generic form.
Why big invoices save the most
A trusted partner
for businesses in the UK
See how much you can save with Pay by Bank
- Up to 50% lower payment fees
- Faster access to funds
- One platform for modern payments
ISO-27001 and SOC2 Secure
Security backed by UK banks
Authorised by the FCA
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Select your preferred time, and our team will give you a short demonstration of how Atoa can work for your business. Book a call
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