Payments that keep pace with your service
From table bills to hotel deposits, Atoa helps hospitality businesses get paid faster and for less. Pay by Bank or card, lower fees, and money in your account in seconds.
What a hotel payment system actually covers
- A hotel payment system helps you manage payments throughout a guest’s stay, without stitching together multiple tools or reconciling payments manually.
- Guests expect to pay in different ways. Online, at the front desk, by scanning a QR code at the bar, or through a payment link sent by SMS or email.
- With Atoa, hotels can accept Pay by Bank and card payments across every touchpoint, all managed from one dashboard. Your booking system and property management system (PMS) stay in place, so you don’t need to change the way you work.
Three ways to take payment.
One place to manage it all.
Mix and match based on what works for your venue. Every method accepts Pay by Bank or card. The more guests who choose Pay by Bank, the more you save on fees.
QR code payments
Print it on the receipt or display it on a tablet or screen. Guests scan and pay (Pay by Bank or cards). Tables turn faster and your team can focus on the service rather than just the bill.
Learn more →
Payment links
Send by SMS or email before or after a visit. Ideal for deposits, advance bookings, or chasing outstanding balances without needing anyone to be on-site. Guests click, pay, and you get notified.
Learn more →
Card terminal
Take card payments on a PAX terminal at the front desk, bar, or anywhere on the property. Works alongside Atoa’s other payment methods so you are never without an option.
Explore Card Payments →The savings add up
You do not have to give up your card machine. But the more guests who choose Pay by Bank, the lower your average fee per transaction. Even a 25% shift to Pay by Bank makes a noticeable difference.
Pay by Bank or card?
Here is how they compare.
VRP will replace outdated Direct Debit mandates by enabling real-time, flexible, bank-to-bank recurring payments with lower fees and faster settlement.
| Feature | Pay by Bank | Card payments |
|---|---|---|
| Fees | From 0.6% per transaction (plus auth fee) | From 1.3% for UK debit and credit cards (plus auth fee) |
| When you get paid | In seconds | On your agreed payout schedule |
| Chargebacks | None. Guests approve inside their own banking app | Possible. Guests can dispute card payments |
| How guests pay | Open their Bank app and approve with Face ID, fingerprint, or passcode | Tap, insert, or swipe at a terminal |
| Best for | Deposits, table bills, large bookings | Guests who prefer to pay by card |
Wherever your guests pay,
Atoa is there
Whether you are serving customers face-to-face or sending invoices remotely, your Atoa QR code handles it all.
Restaurant and bar
Guests scan a QR code on the receipt or table and pay from their own phone. Payments are confirmed in seconds and synced with your POS.
Front desk and check-in
Send a payment link when a guest books and collect the deposit before they arrive. Settle the balance at the front desk by Pay by Bank or cards. Confirmed in seconds either way.
Spa, room service and extras
Take payments across the property without needing extra card machines. Display a QR code, send a link, or use a terminal.
Why hospitality businesses use Atoa
Built for industries that rely on recurring or variable payments.
Lower fees on every transaction
Pay by Bank starts at 0.6% per transaction, which is typically lower than card because it skips the card networks entirely. The more guests who choose it, the more you keep.
No chargebacks on Pay by Bank
Every Pay by Bank payment is approved inside the guest’s own Bank app with Face ID, fingerprint, or passcode. There is nothing to dispute later. This matters more for large deposits or pre-paid bookings.
Card payments too
Accept Visa, Mastercard, American Express, Apple Pay and Google Pay alongside Pay by Bank, all from one dashboard. Guests always have a flexible way to pay.
Tables turn faster
No card machine to chase down. Guests scan the QR code on the receipt and pay at their own pace. Akasaka reduced waiting times by 36% during peak hours after switching to Atoa.
Tips, built in
Guests can add a tip when they pay. Tips can increase takings by 5 to 10% and go directly to your team. No asking, no awkwardness.
Google reviews, right after payment
Prompt guests to leave a Google review the moment they pay. More reviews mean better visibility on Google, and the ask goes out automatically. You do not have to lift a finger.
Your team, under control
Add staff with custom roles and permissions. Reception, floor, bar, management, everyone gets the access they need and nothing they do not. One dashboard, complete oversight.
Your books, sorted
Every payment shows up in your Atoa dashboard. Sync with Xero, QuickBooks, or Sage to keep your accounts accurate without the manual work.
Akasaka saves £7,200 a year and cut waiting times by 36%
Akasaka is a Japanese BBQ restaurant with three sites across Milton Keynes, Wolverton and Northampton. During busy periods, waiting for card machines meant customers stayed at tables longer and staff spent valuable time running payments back and forth. And all the while, card processing fees were quietly eating into margins that were already tight.
With Atoa, guests could scan a QR code on the receipt and pay from their own phone in seconds. Within 30 days, 1 in 4 payments were coming through Atoa. Waiting times at peak hours dropped by 36%. And with Pay by Bank replacing a chunk of their card payments, the saving on fees came to around £7,200 a year.
Card rates vary based on card type, business size and average transaction value. Business cards and American Express typically attract higher rates.
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 callHotels take card payments at reception on a card terminal, by email or SMS with a secure payment link, and online through a checkout or booking page. With Atoa, hotels accept Visa, Mastercard, American Express, Apple Pay and Google Pay, and can offer Pay by Bank alongside them so guests pay straight from their banking app.
Send the guest a secure payment link by SMS or email when they book. They open it, choose Pay by Bank or card, and approve the payment in seconds, no need to read out card details. The deposit lands in your account fast, so you can confirm the booking with money already in.
The best hotel payment system fits how your property takes payments: deposits at booking, balances at check-out, and food and drink across the site. Atoa is a strong fit for UK hotels that want lower fees, no chargebacks on Pay by Bank and fast settlement.
Offer Pay by Bank alongside card. With Atoa, in-person Pay by Bank starts at 0.7% and card payments start at 1.3% for UK debit and credit cards (online payments add 20p per transaction). Pay by Bank is typically lower than card fees because it skips the card networks, so the more guests who choose it, the more you keep.
Yes. You can see all our official integrations, POS, PMS and e-commerce platforms, on our integrations page. If you run custom or in-house software, our APIs and SDKs let you add Atoa payments to it. Not sure what fits? Our team will help you plan the setup.
No. The guest approves each Pay by Bank payment inside their own banking app, so there’s no card chargeback to dispute later, which removes a common headache for hotels taking large or pre-paid bookings.
Pay by Bank payments are usually confirmed in seconds and settle fast into your business account. Larger hotels can choose an end-of-day payout that groups the day’s transactions into a single settlement. Card payments settle on your agreed card payout schedule.
