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 & are redirected to their Bank app.
Approve in their Bank App
Payment is biometrically approved inside their trusted Bank 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 & are redirected to their Bank app.
Approve in their Bank App
Payment is biometrically approved inside their trusted Bank 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 or email and get paid instantly, wherever your customers are.
Learn more
Online Checkout
Accept Pay by Bank or card payments on your website with a fast, frictionless checkout.
Explore Online 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 or email and get paid instantly, wherever your customers are.
Learn more
Online Checkout
Accept Pay by Bank or card payments on your website with a fast, frictionless checkout.
Explore Online 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 the UK’s open banking technology.
Operations at scale
Accept instant bank payments at scale, with end-of-day bulk settlements and enterprise-grade reporting that simplifies payment reconciliation and 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 callPay by Bank is a simple way for customers to pay you directly from their UK Bank app. It’s powered by open banking, so there’s no need to enter card details or remember account numbers.
The customer just selects their bank, approves the payment using Face ID or a fingerprint, and that’s it, the payment is sent and confirmed within seconds.
For businesses, it means lower fees, no chargebacks, and faster access to funds.
A regular bank transfer usually means the customer has to log in, copy your details, and send the payment manually. It can take time, and mistakes can happen.
Pay by Bank removes all of that. It uses an instant bank transfer initiated directly from a secure checkout or payment link. It’s faster, more accurate, and confirmed in seconds rather than hours. Card-like convenience with speed. More about the user experience.
Pay by Bank payments are typically instant, with funds arriving in your business account within seconds.
For enterprise businesses, payouts can be consolidated into a single bulk settlement paid out the following day. Either way, it’s one of the fastest ways for UK businesses to get paid.
With Atoa’s payment platform, many businesses choose Pay by Bank as a more efficient and cost-effective way to get paid, especially for higher-value transactions.
• Lower fees than card payments
• Faster settlement, often within seconds
• Bank-level security, reducing fraud and disputes
• Capped fees on larger payments, making it ideal for industries like dental, legal, automotive, and more
You can still offer card payments, but many Atoa businesses use Pay by Bank as their preferred option when speed and cost matter most.
Not at all. While Pay by Bank is at the heart of what we do, Atoa is a flexible payment platform that accepts both Pay by Bank and card payments including Visa, Mastercard, American Express, Apple Pay, and Google Pay.
We believe your customers should always have the choice of how they pay, and your business deserves a payment solution that accommodates both.
Atoa’s Pay by Bank pricing starts at 0.6% per transaction (plus a small authorisation fee).
If you’re processing over £50,000 a month, our team can offer custom pricing tailored to your business. You can reach us at hello@paywithatoa.co.uk or via Live Chat.
Pay by Bank is designed with security built in from the start.
Customers never share their card details or banking credentials with your business. Every instant bank payment is authorised within their own Bank app using trusted methods like Face ID, fingerprint, or passcode. It follows the same Strong Customer Authentication standards used across UK banking.
As a payment platform, Atoa works within this secure framework and adds its own safeguards. We’re ISO 27001 certified, meaning we follow globally recognised security standards, and Atoa Payments Limited is authorised by the UK Financial Conduct Authority (FCA) as an Authorised Payment Institution.
