One device forcard and Pay by Bank

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What is a card machine?

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  • A card machine, also called a card terminal, card payment machine or POS terminal, is the device a business uses to take card payments in person. The customer taps a contactless card or phone, inserts a card and enters a PIN, or uses a mobile wallet like Apple Pay or Google Pay, and the machine takes the payment.

  • The Atoa card machine does all of that, and it also takes Pay by Bank, so a customer can approve a payment straight from their Bank app on the very same device. One machine, every way they want to pay.

Atoa allows customers to pay via all major bank apps and cards

Take a payment in three steps

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An Atoa card terminal showing a GBP 119.00 amount entered on its number pad Step 1

Ring up the sale.

Enter the amount on the terminal screen.

The terminal's Select Payment Method screen offering Pay by Bank with 12-plus banks and Card Payment Step 2

The customer pays their way.

They tap or insert a card, use Apple Pay or Google Pay, or scan to pay by bank, whichever suits them. They choose, you just confirm.

A transaction details screen confirming a GBP 119.00 payment with its summary, payment source and reference Step 3

Payment confirmed, sale recorded.

The payment shows on the terminal and in your Atoa dashboard across every till and site.

The PAX A920 Pro, card and Pay by Bank in one

Atoa runs on the PAX A920 Pro, a modern smart terminal with a touchscreen, built-in receipt printer and USB-C charging. It takes contactless, chip and PIN and mobile wallets, and it takes Pay by Bank on the same device. It connects over WiFi or mobile data, is portable for use at the table or counter, and works across multiple tills and locations under one account.

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Every way your customers want to pay

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The Atoa mark surrounded by Visa, Mastercard, Google Pay and Apple Pay logos

Cards and wallets

Visa, Mastercard, American Express, Apple Pay and Google Pay, by contactless or chip and PIN.

The Atoa mark surrounded by UK bank logos including Barclays, Lloyds, HSBC, Monzo, Starling, Revolut, Halifax, Nationwide, Natwest and RBS

Pay by Bank

The customer approves in their Bank app, straight from the same terminal. No extra hardware needed.

An Atoa Scan to Pay QR stand showing the QR code and the bank and card logos it accepts

No terminal? QR code

Customers can scan a QR code and pay by card, works on any screen. Good as a second payment point or when the card terminal may not be available.

A card machinethat costs you less

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Lower fees

Cards start from 1.3%* and Pay by Bank in store from 0.6% + VAT. Pay by Bank fees are up to 50% lower than typical card costs.

FCA authorised

Atoa is FCA authorised (FRN #1007647) and PCI DSS compliant. Card services are provided by Rapyd (FRN #900688).

No chargebacks on Pay by Bank

Once a customer approves from their Bank app, the payment stands. No disputes, no reversals.

No lock-in

There’s no long tie-in. You can cancel your contract any time.

Fast settlement

Pay by Bank settles instantly for most small businesses and the next day for larger businesses. Cards typically within two working days, excluding weekends and public holidays.

*Card rates vary based on card type, business size and average transaction value. Business cards and American Express typically attract higher rates.

Clear pricing, no lock-in

The terminal is £279 to buy outright or £20 a month to rent. Either way, there is no long-term tie-in. Cancel any time.

Transaction fees: cards from 1.3%* for UK debit and credit cards, and Pay by Bank in store from 0.6% + VAT.

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
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ISO-27001 and SOC2 Secure

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Security backed by UK banks

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Authorised by the FCA

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Frequently asked questions

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

What is a card machine?

A device that takes card payments in person, by contactless, chip and PIN or mobile wallet. The Atoa card machine, the PAX A920 Pro, also takes Pay by Bank on the same device. So customers can approve a payment from their bank app without needing a separate QR device.

How much does a card machine cost?

Cards start from 1.3% per transaction and Pay by Bank in store from 0.6% + VAT. See the pricing page for current rates and terminal details.

Is there a contract or machine rental?

There is no lock-in. The agreement is transparent and you can cancel whenever you like, so you are not tied into a long-term deal.

Can one machine take card and Pay by Bank payments?

Yes. The PAX A920 Pro takes every major card, mobile wallets and Pay by Bank on the same device, so customers choose how to pay.

Do I need a terminal to take card payments in person?

No. As well as the terminal, Atoa lets customers scan a QR code and choose to pay by card at checkout, device-free and with nothing to download. A terminal gives you contactless, chip and PIN and Pay by Bank all in one, but the QR option works as a second payment point or when a terminal is not practical.

Which card machine is best for my business?

Look for low fees, no lock-in and support for the ways your customers want to pay. The Atoa terminal covers card and Pay by Bank on one portable device, works across multiple tills and sites, and costs less on Pay by Bank transactions, which suits shops, hospitality and multi-site businesses.

Is Atoa FCA authorised?

Yes. Atoa Payments Limited is authorised by the Financial Conduct Authority (FRN #1007647). Card services are provided by Rapyd (FRN #900688). Atoa is PCI DSS compliant, ISO 27001 and SOC 2 certified.