An Online Payment Gateway
That Settles in Seconds
How Atoa Works
in Online Checkouts
Payment Gateway Integration in Three Steps, Atoa plugs directly into your existing online checkout system. No rebuild required, just a simple switch of payment provider for both Pay by Bank and card payments. Choose the integration that fits your stack and start collecting payments at lower fees and with better financial reporting.
Add Atoa to your checkout
Install the plugin for Shopify, WooCommerce, WordPress or Magento, or connect through the API and SDKs for a custom checkout. Most plugin installs take a couple of minutes, and you can run Atoa alongside your existing gateway while you test
Customers choose how they pay
At checkout, the Shoppers see Pay by Bank, card and Pay Later options. And choose what works for them.
You get paid with clear visibility
Every payment is confirmed instantly, tracked in one dashboard and reconciled automatically in Xero, QuickBooks or Sage.
Add Atoa to your checkout
Install the plugin for Shopify, WooCommerce, WordPress or Magento, or connect through the API and SDKs for a custom checkout. Most plugin installs take a couple of minutes, and you can run Atoa alongside your existing gateway while you test
Customers choose how they pay
At checkout, the Shoppers see Pay by Bank, card and Pay Later options. And choose what works for them.
You get paid with clear visibility
Every payment is confirmed instantly, tracked in one dashboard and reconciled automatically in Xero, QuickBooks or Sage.
Reach customers across every online channel
Custom checkout APIs and SDKs
Embed Pay by Bank, cards, and pay later in your checkout with hosted payment pages or direct APIs and SDKs for web, Flutter, and React Native.
Read the developer docs
Checkout integrations
Enable Pay by Bank and cards directly on your checkout page inside WordPress, WooCommerce, Shopify and Magento.
Explore all integrations
Payment links
Send a secure link by email or SMS when the sale happens outside the cart, a deposit, a quote, or a phone enquiry, and the customer pays on their own phone.
Contact us
Custom checkout APIs and SDKs
Embed Pay by Bank, cards, and pay later in your checkout with hosted payment pages or direct APIs and SDKs for web, Flutter, and React Native.
Read the developer docs
Checkout integrations
Enable Pay by Bank and cards directly on your checkout page inside WordPress, WooCommerce, Shopify and Magento.
Explore all integrations
Payment links
Send a secure link by email or SMS when the sale happens outside the cart, a deposit, a quote, or a phone enquiry, and the customer pays on their own phone.
Contact us
Online payments built to improve margins and conversion
Reduce checkout friction
Give customers fast, familiar options that help reduce abandoned baskets and increase completed payments.
Protect your margins
Pay by Bank from 0.7% + VAT and cards from 1.3% + 20p, with no interchange or scheme fee on the bank route.
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.
The Same-Day Settlement Payment Gateway: Money in Seconds, Not Days
For a business with £600,000 of annual online sales and a third of it on Pay by Bank, that is £200,000 a year arriving on the day of the sale rather than the following week, with no chargeback exposure on any of it.
How settlement works
- Pay by Bank settles in seconds over the UK Faster Payments rails, so most of your online takings are in the account the same day.
- Card payments through the same checkout settle on the usual card timetable, typically within two working days, excluding weekends and public holidays.
- Larger businesses can choose an end-of-day payout on Pay by Bank instead of individual settlements, giving finance one consolidated line to reconcile against.
What Atoa Adds
Atoa is a payment gateway for UK businesses that adds one thing: a second way to pay, sitting right beside the card field.
- Pay by Bank sits next to the card option, so customers can pay straight from their own Bank app instead of typing a card number.
- Atoa is FCA-authorised acquirer, so you still accept Visa, Mastercard and American Express.
- Atoa holds its own FCA authorisation for the bank side, so both payment routes are regulated and run under one roof.
- One dashboard and one settlement view across card and Pay by Bank, instead of reconciling two separate systems.
- The same account also covers your in-store terminal and payment links, which is where the reconciliation time actually gets saved.
- Native plugins for WooCommerce, Shopify and Magento, plus SDKs, so there is no checkout rebuild to go live.
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 integrates with platforms like Shopify, WooCommerce, Magento, and WordPress using simple plugins, so you can get started without needing a developer.
If you’re running a custom checkout, we also provide flexible APIs and SDKs that can fit into your existing setup.
Yes. Atoa Pay Later appears alongside Pay by Bank and card at checkout, so customers can spread purchases from £500 to £10,000 over 3, 12 or 24 months, and you are paid the next business day. Credit is provided by Abound (Fintern Ltd, FCA FRN 929244); Atoa is an Introducer Appointed Representative, not the lender, and customers who accept an offer undergo a hard credit check. Subject to status.
It depends on how you sell. A business trading only online at low volume is usually fine with its platform’s default gateway. An established business that also trades in-store, takes higher-value orders or reconciles several channels benefits from one provider across website, terminal and invoices, with Pay by Bank alongside cards for lower fees and faster settlement, which is what Atoa provides.
Yes. Atoa’s checkout payment gateway supports all major credit and debit cards, including Visa, Mastercard, American Express, Apple Pay, and Google Pay, alongside Pay by Bank.
This gives your customers the flexibility to pay the way they prefer, all within the same checkout.
Yes. Atoa lets you offer both Pay by Bank and card payments within the same online checkout.
Customers can choose what works best for them, while you benefit from lower fees when they pay using Pay by Bank.
Every checkout payment is confirmed in real time, so you know straight away when a transaction has been completed.
Pay by Bank payments typically arrive within seconds. Card payments follow standard settlement timelines depending on your setup. You can track every payment in your Atoa dashboard.
Yes. There are plugins for Shopify, WooCommerce, WordPress and Magento, and an API with web, Flutter and React Native SDKs for custom checkouts. You can run Atoa alongside an existing gateway while you test.
Security is built into every part of the checkout payment experience.
Pay by Bank payments are authorised directly in the customer’s Bank app using Strong Customer Authentication. Card payments are PCI DSS compliant and protected with industry-standard encryption.
Atoa is also FCA-authorised and ISO 27001 certified, so your customers’ data is handled securely across every transaction.
Pay by Bank is from 0.7% + VAT with no fixed fee. Online card payments are from 1.3% plus 20p per transaction, varying by card type. There is no monthly fee on the Basic plan and no long-term contract; Growth and Advanced plans add features for a monthly fee per location.
