One payment platformfor every channel, every location
What are Omnichannel payments?
Try AtoaOmnichannel payments is the ability to accept and manage payments across all your sales channels. This includes in-store, online and remotely, through a single platform rather than a different provider for each. It also allows you to see and control it in one place: one dashboard, one settlement, one set of reporting across locations and channels.
It is closely related to unified commerce and unified payments. Unified commerce is the broad idea of bringing all your commerce systems together. Unified payments and omnichannel payments are the payments layer of that, joining in-store and online payments into one view. Atoa unifies the payment layer so when customers pay, you manage all of it centrally.
One platform, every way your customers pay
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Take the payment on any channel
A QR code or terminal in-store, an online checkout on your website, or a payment link by text or email.
The customer chooses how to pay
Pay by Bank, straight from their Bank app, or card, including Apple Pay and Google Pay.
Everything lands in one place
Every sale, across every channel and location, settles and reconciles in a single dashboard.
Fees and settlement
Lower fees
Pay by Bank from 0.6% + VAT and cards from 1.3%.* Pay by Bank fees are up to 50% lower than typical card rates.
Faster settlement
Pay by Bank settles instantly for most small businesses and the next working day for larger businesses. Card payments typically settle in T+2.
FCA authorised
Atoa Payments Limited is authorised by the FCA (FRN #1007647), ISO 27001 and SOC 2 certified.
In-store, online and everywhere between
In-store
An Atoa QR stand or a card terminal at the counter or table, taking Pay by Bank and card.
Online Checkout
Add Atoa to your website checkout, and connect the platforms you already run.
By link
Send a secure payment link by text, WhatsApp or email for remote, phone-order or invoice payments.
One platform, not four
Pay by Bank, cards, in-person and online
One account for every channel. You don’t need separate providers or separate setups.
All your locations in one dashboard
Every site and till in one view. You can manage every location and assign role-based access for your staff.
No chargebacks on Pay by Bank
Every payment is approved in the customer’s Bank app, removing the risk of chargebacks.
Handles the hard bits
Full and partial refunds, high-value payments, partial payments and stuck transactions are all handled and not left to you to sort.
Accounting and EPOS
Connects to Xero, QuickBooks, Sage and industry EPOS systems. Payments flow into your books automatically.
Built to integrate
Clean APIs that connect to your website, checkout or existing tech stack without a heavy build.
Pay by Bank or card, customer’s choice
Payment reminders, invoice generation, transaction routing, bulk payments, Google review prompts and reporting.
Ready for what’s next
Commercial Variable Recurring Payments and an MCP server are live today. AP2 protocol is on the roadmap, so you are ready for agentic payments.
Simple pricing that scales with your sites
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
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
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