Accept Pay by Card Payments for Business
Everywhere You Sell
What card payments for business cover
Modern card terminals
built for flexibility
Flexible hardware for every environment
The PAX A920 Pro takes contactless, chip and PIN and mobile wallets, and Pay by Bank on the same device, at the counter or at the table, for a flexible payments setup
Easy to use for staff and customers
Order a terminal and we ship it to you; connect to WiFi or mobile data and take your first card payment the same day. Developers can integrate through our APIs and SDKs.
Connected to your wider payments setup
Syncs directly with Xero, QuickBooks, Sage, and other business platforms with ease.
Flexible hardware for every environment
The PAX A920 Pro takes contactless, chip and PIN and mobile wallets, and Pay by Bank on the same device, at the counter or at the table, for a flexible payments setup
Easy to use for staff and customers
Order a terminal and we ship it to you; connect to WiFi or mobile data and take your first card payment the same day. Developers can integrate through our APIs and SDKs.
Connected to your wider payments setup
Syncs directly with Xero, QuickBooks, Sage, and other business platforms with ease.
Accept card payments
wherever you do business
Card terminals
Modern terminals for in-store payments, supporting contactless, chip and PIN, also accept Pay by Bank.
Contact us
Payment links
Send secure SMS and email links
to collect card or bank payments remotely
for customers on the go.
Online checkouts
Easily integrate Atoa with your online
checkout and accept card payments
from anywhere.
Card terminals
Modern terminals for in-store payments, supporting contactless, chip and PIN, also accept Pay by Bank.
Contact us
Payment links
Send secure SMS and email links
to collect card or bank payments remotely
for customers on the go.
Online checkouts
Easily integrate Atoa with your online
checkout and accept card payments
from anywhere.
How accepting card payments works
Contactless, chip and PIN and mobile wallets
Try Atoa-
Contactless is now the default way UK customers pay in person, and mobile wallets are a growing share of that: a tap from an iPhone or Android phone is processed as a card payment through the same NFC reader.
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The Atoa terminal accepts contactless cards and any NFC phone, falls back to chip and PIN for higher values or cards that will not tap, and takes Apple Pay and Google Pay online as well as in-store. The customer taps on the terminal, or scans a QR code and pays from their Bank app.
Card payments that fit your business
Meet customer expectations
Accept the cards and wallets your customers already use, both in person and remotely.
Competitive pricing
Transparent, competitive rates for card payments across the UK, designed to protect your margins as you scale.
Trusted security
Card payments are PCI DSS-compliant and processed using industry standard security keeping sensitive data protected.
Operational clarity
Real-time reporting and data makes it easier for finance teams to reconcile and manage receiving card payments.
What it costs to take card payments
More than just
card payments
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 callSign up online with your company details, choose a terminal, an online checkout, payment links or all three, and you can take your first card payment as soon as your account is verified. Atoa works with UK- and EU-registered companies; if you would rather talk it through, book a demo and our team will set you up.
Visa, Mastercard and American Express debit and credit cards, plus Apple Pay and Google Pay, in person on the terminal, online at checkout and through payment links. Pay by Bank is available on every channel alongside cards.
UK debit and credit card payments start from 1.3% per transaction, with online card payments adding 20p. Rates vary by card type, business size and average transaction value; business cards and American Express typically cost more. There is no monthly fee on the Basic plan and no long-term contract.
Yes. A terminal, an online checkout and payment links all run on one Atoa account with one dashboard and one settlement view, so a business trading across several sites and a website reconciles everything in one place.
Card payments typically settle to your business account within two working days, excluding weekends and public holidays. Pay by Bank payments on the same account settle in seconds over Faster Payments.
What the Atoa Business app on iOS or Android does is show a QR code the customer scans to pay from their Bank app or by card, send payment links by SMS or email, and manage every payment and refund. For customers who want to tap a card, the Atoa terminal does that.
Yes. Atoa terminals support both card payments and Pay by Bank on the same device.
If a customer chooses to pay directly from their Bank app, you benefit from lower fees without needing any additional setup or hardware.
UK domestic debit and credit card transactions start from 1.3% per transaction. Rates vary based on card type, business size and average transaction value. Business cards and American Express typically attract higher rates.
For businesses processing higher volumes, our team can provide tailored pricing based on your setup.
There are no monthly fees. You only pay for the transactions you take.
Security is built into every transaction of accepting card payments across the UK. Atoa’s card payments are PCI DSS compliant and use point-to-point encryption, the same standards followed by major financial institutions.
We’re also ISO 27001 certified, meaning we follow globally recognised security standards. Atoa Payments Limited is authorised by the UK Financial Conduct Authority (FCA) as an Authorised Payment Institution.
