Scan. Approve. Paid.

Get started Contact us

What are In-person payments?

Try Atoa

  • In-person payments, sometimes called in-store or POS payments, are payments taken where the customer is physically present: a shop counter, a restaurant table, a market stall or a mobile job. Traditionally that meant a card machine.

  • With Pay by Bank, in-person payment can be as simple as the customer scanning a QR code and approving in their Bank app, so you take payment at the point of sale without card fees or card hardware.

Atoa allows customers to pay via all major bank apps

Take Pay by Bank in person in three steps

Book a demo
A printed Atoa Scan to Pay QR code stand on a counter, noting it is free for the customer, with major UK bank and card logos along the bottom Step 1

Show the payment.

Display a QR code on a stand or screen, or bring up the amount on your terminal.

A phone showing a Make a payment screen: GBP 119.59 to ABC Restaurant with the account details listed, ready to approve with Face ID Step 2

The customer approves.

They scan, choose their bank, and approve in their Bank app with Face ID, a fingerprint or a passcode.

A phone confirming GBP 119.59 paid to ABC Restaurant, marked Payment successful, with a star rating prompt and a payment details panel Step 3

You get paid.

Most small businesses receive funds instantly. Larger businesses receive funds the next working day. There are no chargebacks.

An acrylic Atoa Scan to Pay stand on a counter, its QR code above a line reading that Atoa works with all major UK banks and cards

Start with just a QR code

You do not need a card machine to take Pay by Bank in store. An Atoa QR code on a stand at the counter is all customers need to pay from their phones. Nothing to download, works with all major UK banks.

If you want to take cards too, or prefer a terminal, Pay by Bank runs on the Atoa card machine as well. Pick the setup that suits you, or use both.

Try Atoa Contact us

Built for the counter, the table and the road

Pay by Bank in person works wherever you are

Book a demo
An Atoa Scan to Pay stand on a laid restaurant table beside a glass of wine, with diners behind

Restaurant and hospitality tables

An Atoa Scan to Pay stand on a clothing shop till counter next to the point of sale screen

Retail counters and till points

An Atoa Scan to Pay stand on a market stall among crates of fruit and vegetables

Market stalls and pop-ups

An Atoa Scan to Pay stand on the serving ledge of a coffee van beside a takeaway cup

Mobile trades and on-site jobs

It sits alongside card so customers always have a choice. For one setup across multiple tills and locations, see omnichannel payments.

Lower costs, faster payments and no chargebacks

Book a demo Contact us

Lower fees

Accept Pay by Bank in store from 0.6% + VAT, typically much lower than card fees, so you keep more of every sale.

Get paid faster

Pay by Bank payments settle instantly for most small businesses via Faster Payments. Larger businesses receive next-working-day payouts.

No chargebacks

Customers approve every payment in their Bank app. Once approved, it can’t be charged back.

No hardware required

Start taking payments with a QR code on any screen. No terminal, rental fees or setup costs required.

Nothing new for customers

Customers pay securely using the Bank app they already trust. No downloads or new accounts required.

Simple in-store pricing

Pay by Bank in-store starts from 0.6% + VAT. No lock-in period, cancel any time. Cards are available too if you want them.

See the pricing page for current rates.

A trusted partner
for businesses in the UK

Meet the companies that use our solution to power
growth and save more with every payment they accept

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

Jason Drury

Ponko Motor Company

SUPER CHEAP
“Amazing payment service. Increased our deposit payments by up to 265% in 1 month. Payments super cheap & instant”

Harminder Singh Bains

The Beauty Wardrobe

THE BEST
“Atoa is easy to use for both the customer and consultant. The payment arrives immediately for us… Highly recommended!”

Andy Price

Just Wills & Legal Services

ALL IN ONE
“It’s so nice to see that there are still systems on the market that are not ripping you off with their fees.”

Dora Maries

Holimed Beauty

SIMPLICITY
“We have been very impressed by the ease and simplicity of the payment links. Thanks Atoa, you make fee collection simple!”

Shepsi Haider

Family Law Cafe

SUPERB
“Superb piece of software to simplify taking payments for businesses.”

Malcolm Beattie

MB Motors

BRILLIANT CONCEPT
“Wish we used it earlier! Brilliant concept that is easy to use and saves the company so much on fees.”

Nicolas Colombo

LDN Physio

INSTANT CASH FLOW
“Improves cash flow and saved us over £2,000 a month in payment fees… would 110% recommend it to any other business.”

Lee Shayler

Richlee Motor Company

See how much you can save with Pay by Bank

Book a short demo to see how Atoa helps businesses reduce fees, improve cash flow, and streamline payment operations.
  • Up to 50% lower payment fees
  • Faster access to funds
  • One platform for modern payments
icon-secure

ISO-27001 and SOC2 Secure

icon-flag

Security backed by UK banks

icon-shield

Authorised by the FCA

Book a demo with Atoa

All fields are required.

By submitting this form, you consent to our Privacy Policy.

or
Calendar Icon

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 call

Frequently asked questions

Have other queries?
Email us at hello@paywithatoa.co.uk
to get in touch.

How do I take Pay by Bank in person?

Show the customer a QR code on a stand or your terminal, they scan or tap and approve the payment in their banking app, and the money reaches you in seconds. No card details are entered.

What are in-person payments?

Payments taken where the customer is present, such as a shop counter, a restaurant table or a mobile job. They can be by card machine or, with Pay by Bank, by scanning a QR code.

Do I need a card machine to take Pay by Bank?

No. A QR code on a stand is enough for customers to pay from their phones. You can add a card machine if you also want to take cards.

Are in-person bank payments lower cost than card?

Usually, yes. Pay by Bank in store starts from 0.6% + VAT, which is typically well below card rates, and it settles faster with no chargebacks. See the pricing page for current rates.

Do in-person bank payments have chargebacks?

No. The customer approves the payment in their own banking app, so there is nothing to charge back, unlike a card payment.