The gym payment system built for memberships
Collect memberships without the failed payments and high card fees. Members approve once in their bank app, and you get paid, with joining fees, personal training and day passes handled in the same place.
Get a member paid
up in three steps
Sign up in around 5 minutes
Create your account on the Atoa app or dashboard. Prefer a guided setup? Our care team will walk you through everything.
Set up recurring payments
Collect explicit consent from each member. They approve once in their bank app, with a clear limit set on what you can collect.
You get paid
Pay by Bank payments land in your account the next day. No chargebacks, no chasing failed cards. Card payments typically settle within T+2 days.
One platform for
every gym payment
Recurring memberships
Collect monthly memberships with Pay by Bank or Card on File. Members approve once. We handle the rest.
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Joining fees and day passes
Take a one-off payment by QR code at the front desk or a link sent by text. Pay by Bank or card, member’s choice.
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Personal training and classes
Charge for PT and classes without a card machine. An Atoa QR code on the desk is all you need.
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Cards when members want them
Accept Visa, Mastercard, Apple Pay and Google Pay alongside Pay by Bank, all from one dashboard.
Learn more →Why gyms
choose Atoa
Keep more members paid up with lower fees, fewer failed payments, and a dashboard your whole team can use.
Lower fees on every payment
Pay by Bank starts at 0.6% + VAT per transaction, typically lower than card fees. For cards, we offer competitive rates, so you keep more of every membership payment.
Settlement next day every day
Pay by Bank lands in your account instantly. Larger businesses get a single consolidated payout the next day every day. Cards generally settle within two business days.
Built for your team
Add staff with custom roles and permissions across one site or multiple locations. The front desk can take payments while you stay in control of the dashboard.
Fewer failed payments
Members approve Pay by Bank payments in their bank app, so there are no expired cards to chase.
Members stay in control
Members manage their payment from their own bank app. That transparency builds trust at sign-up and reduces cancellation friction.
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 callA gym payment system lets you collect membership fees, joining fees, day passes and personal training or class payments in one place. Atoa handles Pay by Bank and card payments, so members can pay however they prefer and you get paid without chasing failed cards.
Members approve a Pay by Bank agreement once in their banking app, with a clear limit on what you can collect. After that, Atoa collects each membership payment automatically within those limits, so there are no expired cards to chase. You can also keep a card on file as a fallback.
Yes. Take one-off payments by QR code at the front desk or via a payment link sent by text. Members can pay by bank or by card, whichever they prefer.
Pay by Bank starts at 0.6% + VAT per transaction, typically lower than card fees. Card payments are charged at competitive rates that vary by card type, business size and volume.
Atoa adds payments alongside the tools you already run; it does not replace your gym management, booking or access-control software. It also connects to Xero, QuickBooks and Sage for instant reconciliation.
No. Pay by Bank payments are approved by the member in their banking app, so there are no chargebacks. Card payments still follow standard card dispute rules.
- Pay by Bank — Funds are typically paid out instantly to your business bank account. Larger businesses can opt for end-of-day payouts, where transactions are consolidated into a single payout every 24 hours.
- Card payments — Card settlements depend on your existing price plan and payout structure with your current provider.
Yes. Atoa Payments Limited is authorised by the Financial Conduct Authority (FRN #1007647), and is ISO 27001 and SOC 2 certified.
