Offer flexibility with Partial Payments

How partial payments work

Make it easier to offer
flexible payments
Make it easier to offer
flexible payments
Partial Payments let customers pay over time while you keep track of it all in one place. Accept an initial payment, see the remaining balance in real time, and send reminders with one click—no new links needed.

Atoa supports all major UK banks

Pay instantly from your personal or business bank app

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Boost cash flow your way

Our instant payment solution allows customers to pay you in-store or remotely from their bank app. It’s easier than cash and cheaper than cards.

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…or on the go

Accept payments anywhere by showing customers a QR code on your phone screen. Ideal for tradespeople, showrooms or events.

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Manage payments on desktop

Use the Atoa Dashboard to send and track payment links. Ideal for busy office teams and call centers.

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Get paid in-store…

Display QR code stands in-store for customers to scan and pay from their bank app. No hardware fees, no hassle.

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Pay at the table

Integrate Atoa with your hospitality POS so guests scan a QR receipt to pay. Helps reduce waiting times to get more covers (and tips!)

Learn More
…or on the go

Accept payments anywhere by showing customers a QR code on your phone screen. Ideal for tradespeople, showrooms or events.

Learn More
Manage payments on desktop

Use the Atoa Dashboard to send and track payment links. Ideal for busy office teams and call centers.

Learn More
Get paid in-store…

Display QR code stands in-store for customers to scan and pay from their bank app. No hardware fees, no hassle.

Learn More
Pay at the table

Integrate Atoa with your hospitality POS so guests scan a QR receipt to pay. Helps reduce waiting times to get more covers (and tips!)

Learn More
Pay
Done

Don’t lose a sale over price

Sometimes paying in full upfront just isn’t realistic. With Partial Payments, you collect what they can pay now and the rest later, all through the same link. No extra invoices, no missed opportunities.

Make paying easier
for both sides

Partial Payments give your customers more flexibility, while helping you lock in sales faster. No more awkward follow-ups or losing business over price.

Take deposits up front

Secure commitment from day one by letting customers pay a portion now and the rest later.
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Keep the same link open

No need to resend anything. Customers can return to the original payment link to settle the balance.
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Reduce admin and chasing

Track how much has been paid — and what’s left — all from your Atoa dashboard.
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Why business owners trust Atoa

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“Atoa is a game changer for low fees, instant payouts, and amazing customer service!”

Dora, Holimed Beauty, Surrey

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“Atoa is far easier for deposits. Customers don’t need to log in to their bank account or transfer money to companies they don’t know.”

Remo, SCC, Leeds

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“Money lands in our account instantly and processing fees went down straight away.”

Luka, Goldsmith, London

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“If you’re starting a business and wondering how to accept payments, try Atoa. I downloaded the app and got set up in about two minutes.”

Damian, Carter Creative, Manchester

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“Since moving to Atoa, we have saved about £6,000 a month in transaction fees. 96% of our payments are now taken via Atoa.”

Jason Drury, Ponko, Cambridge

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“Atoa is a game changer for low fees, instant payouts, and amazing customer service!”

Dora, Holimed Beauty, Surrey

star-icon star-icon star-icon star-icon star-icon
“Atoa is far easier for deposits. Customers don’t need to log in to their bank account or transfer money to companies they don’t know.”

Remo, SCC, Leeds

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“Money lands in our account instantly and processing fees went down straight away.”

Luka, Goldsmith, London

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“Since moving to Atoa, we have saved about £6,000 a month in transaction fees. 96% of our payments are now taken via Atoa.”

Jason Drury, Ponko, Cambridge

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“If you’re starting a business and wondering how to accept payments, try Atoa. I downloaded the app and got set up in about two minutes.”

Damian, Carter Creative, Manchester

Join thousands of businesses growing with Atoa

  • Registration takes 5 minutes
  • Get 7 days of free payments
  • No sneaky contracts or hidden fees
  • Efficiency boosting features like tips, Google Reviews, and much more
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Frequently asked questions

In the Links tab, check the Status column for each payment. If a payment has been partially completed, it will show as ‘Partially paid’ and show you the amount left due. Once the full amount is received, the status will automatically update to ‘Paid’.

Yes. When partial payments are enabled, the customer can enter any amount up to the total balance. They’ll see the remaining balance each time they open the link.

Yes. You’ll receive a notification each time the customer makes a payment—whether it’s partial or full—so you can keep track of progress without checking manually.

No. Once a link is sent with partial payments enabled, that setting can’t be changed. If you no longer want to accept partial payments, you’ll need to create a new link with the full amount required.

No, partial payments are available with the Advanced Add-on. You can explore more features included in this plan on our pricing page.