Pay by Bank
instant payments
lower fees
How Pay by Bank Works
Customers choose Pay by Bank, approve the payment in their banking app, and you receive funds next day in your account. Simple, secure, and reliable.
Choose Pay by Bank
They select the bank & redirects to their bank app.
Approve in their Banking App
Payment is securely approved inside their trusted banking app.
Payment is confirmed
The transaction is approved and you receive funds next day.
FCA regulated • ISO & SOC Certified • Security backed by UK banks
Choose Pay by Bank
They select the bank & redirects to their bank app.
Approve in their Banking App
Payment is securely approved inside their trusted banking app.
Payment is confirmed
The transaction is approved and you receive funds next day.
Reach customers
across every channel
Payment links
Send secure payment links by SMS,
email, or WhatsApp and get paid
instantly, wherever your customers are.
Online Checkout
Accept payments on your website
with a fast, frictionless bank-
powered checkout.
In-Store Payments
Take face-to-face payments using QR
codes or terminals for a familiar
experience with lower fees.
Payment links
Send secure payment links by SMS,
email, or WhatsApp and get paid
instantly, wherever your customers are.
Online Checkout
Accept payments on your website
with a fast, frictionless bank-
powered checkout.
In-Store Payments
Take face-to-face payments using QR
codes or terminals for a familiar
experience with lower fees.
Powering business growth with Pay by Bank
Drive more conversions
Make it easier for customers to pay with fewer steps and instant confirmation.
Lower your costs
Cut payment fees by avoiding card networks and keep more of each transaction.
Built-in security
Payments are authorised inside customers’ bank app and powered by UK Open Banking.
Operations at scale
Handle higher volumes with end of day bulk settlements for easier financial management.
Enhance your payments
with Powerful Features
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
