What is a card machine?
Try AtoaTake a payment in three steps
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Step 1
Ring up the sale.
Enter the amount on the terminal screen.
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.
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
Every way your customers want to pay
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Cards and wallets
Visa, Mastercard, American Express, Apple Pay and Google Pay, by contactless or chip and PIN.
Pay by Bank
The customer approves in their Bank app, straight from the same terminal. No extra hardware needed.
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
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.