Built for modern
online checkouts
How Atoa works
in online checkouts
Atoa lets businesses accept Pay by Bank and card payments without rebuilding their checkout. Choose the integration that fits your stack and start collecting payments at lower fees and with better financial reporting.
Add Atoa to your checkout
Plug in via SDKs or WordPress, WooCommerce, Shopify, and Magento.
Customers choose how they pay
Shoppers choose Pay by Bank or card at checkout.
You get paid with clear visibility
Confirmed instantly, tracked in one place, settled next day.
Add Atoa to your checkout
Plug in via SDKs or WordPress, WooCommerce, Shopify, and Magento.
Customers choose how they pay
Shoppers choose Pay by Bank or card at checkout.
You get paid with clear visibility
Confirmed instantly, tracked in one place, settled next day.
Reach customers across every online channel
Custom checkout APIs and SDKs
Embed payments into your own checkout with developer friendly SDKs and APIs.
Learn more
Checkout integrations
Enable Pay by Bank and cards directly inside WordPress, WooCommerce, Shopify and Magento.
Explore all integrations
Payment links
Send a link by email, SMS, or WhatsApp
when you need to get paid outside the cart.
Custom checkout APIs and SDKs
Embed payments into your own checkout with developer friendly SDKs and APIs.
Learn more
Checkout integrations
Enable Pay by Bank and cards directly inside WordPress, WooCommerce, Shopify and Magento.
Explore all integrations
Payment links
Send a link by email, SMS, or WhatsApp
when you need to get paid outside the cart.
Online payments built to improve margins and conversion
Reduce checkout friction
Give customers fast, familiar
options that help reduce drop
off and increase completed
payments.
Protect your margins
Pay by Bank can significantly
reduce payment fees compared to
cards, with transparent pricing
across your mix.
Get paid faster
Improve cash flow with faster
settlement and instant confirmation,
so you always know when funds
have landed.
Operate with confidence
Clear transaction data and
consolidated reporting make it
easier to reconcile and manage
payments at scale.
Trusted by growing merchants nationwide
ISO-27001 and SOC2 Secure
Security backed by UK banks
Authorised by the FCA
A trusted partner
for businesses in the UK
See how much you could save with Atoa
- 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
Book a callAtoa is a UK payment provider that helps businesses accept Pay by Bank and card payments on one platform.
Pay by Bank uses secure open banking technology, allowing customers to pay directly from their bank app. Funds typically settle instantly. Card payments (Visa, Mastercard, American Express, Apple Pay, and Google Pay) are also supported, giving businesses flexible payment options across in-store, online, and remote payments.
Atoa is an FCA-authorised payment institution based in London and is rated “Excellent” on Trustpilot.
Pay by Bank allows customers to make payment via their UK Bank App or Internet Banking.
Instead of entering card details, customers:
- Scan a QR code or click a SMS/email payment link
- Select their bank
- Approve the payment securely in their banking app using Face ID or fingerprint scan
The money is sent directly from their bank to yours, often within seconds. No card details are shared, and no manual bank transfers are required.
- Pay by Bank – Funds are typically paid out instantly to your business bank account. Larger businesses can opt for end-of-day payouts, where transactions are consolidated into a single payout every 24 hours.
- Card payments – Card settlements depend on your existing price plan and payout structure with your current provider.
Yes. Atoa supports card payments (Visa, Mastercard, American Express, Apple Pay, Google Pay) alongside Pay by Bank.
Customers can choose to pay by card when using a payment link or online checkout. While Pay by Bank offers lower fees and instant settlement, card payments give customers flexibility where needed.
Both options are managed in one dashboard.
Our Pay by Bank rates are typically up to 50% lower than traditional card processing fees, helping businesses reduce payment costs.
Our card rates are also highly competitive. Pricing depends on your business type and monthly processing volume.
Atoa is designed for UK businesses, including:
- UK-registered limited companies processing £50,000 or more in monthly payments
- Registered UK charities (discounted rates available)
We do not currently support sole traders.
You can sign up in minutes via the Atoa Dashboard or download the Atoa Business app on iOS or Android.
The application takes around 5 minutes to complete, and our UK-based team will guide you through onboarding. We also offer a 7-day free trial so you can explore the platform before going live.
If you’d prefer a walkthrough, you can request a demo or speak to our team at hello@paywithatoa.co.uk.
Atoa supports payments across multiple channels:
In person:
- Payment terminals
- QR code stands
Remotely:
- SMS and email payment links
- Xero invoice payments
Online:
- Shopify checkout
- Magento
- WooCommerce
- WordPress
Customers can pay using Pay by Bank or card.
Our UK-based support team is here to help.
You can reach us via:
- Email: hello@paywithatoa.co.uk
- Live chat: Available in your Atoa dashboard
- Help Centre: Visit our online Help Centre for guides and walkthroughs
