Pay by Card
lower fees,
fast payouts
Modern card terminals
built for flexibility
Flexible hardware for every environment
Our modern card terminals support contactless
payments, chip and PIN, and mobile wallets, as
well as Pay by Bank for a flexible payments setup.
Easy to use for staff and customers
Getting started is quick with our easy-to-use APIs and SDKs. Need a terminal? We’ll ship it to your door. Just connect to WiFi and start taking card payments immediately.
Connected to your wider payments setup
Syncs directly with Xero, Quickbooks, Sage, and other business platforms with ease.
Flexible hardware for every environment
Our modern card terminals support contactless
payments, chip and PIN, and mobile wallets, as
well as Pay by Bank for a flexible payments setup.
Easy to use for staff and customers
Getting started is quick with our easy-to-use APIs and SDKs. Need a terminal? We’ll ship it to your door. Just connect to WiFi and start taking card payments immediately.
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, and Pay by Bank.
Payment links
Send secure SMS and email links
to collect card 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, and Pay by Bank.
Payment links
Send secure SMS and email links
to collect card payments remotely
for customers on the go.
Online checkouts
Easily integrate Atoa with your online
checkout and accept card payments
from anywhere.
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.
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 callIf you’d like to take card payments for your business or learn more, you can get in touch with our team at hello@paywithatoa.co.uk. They’ll guide you through the setup and help you get started.
Atoa lets you accept debit and credit card payments, including Visa, Mastercard, and American Express, along with digital wallets like Apple Pay and Google Pay.
Whether you’re processing card payments in the UK, in-store or remotely, your customers can pay using the methods they already trust.
Yes. Atoa integrates with Shopify, WooCommerce, WordPress, and Magento, so you can accept card payments through your existing checkout.
You can also send secure payment links via SMS or email. This works well for deposits, remote payments, or customers who are not on-site. All payments are processed securely.
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 consumer debit and credit card rates start from 1.25% per transaction (plus an authorisation fee).
For businesses processing higher volumes, our team can provide tailored pricing based on your setup.
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.
Yes. The Atoa Business Pay by Bank and card payment app is available on iOS and Android, turning your phone or tablet into a portable payment solution.
You can take card payments, send payment links, and manage everything in one place, without needing dedicated hardware to get started.
Prefer working from a desk? Everything is also available through the Atoa web dashboard, so your team can manage payments from any browser.
