Payments that don’t eat into your margins
The payments layer for your restaurant
How it works?
Book a demoKeep more of every cover
Lower fees
Pay by Bank from 0.6% + VAT and cards from 1.3%.* Every cover costs less to process.
Google reviews built in
Every completed payment prompts the guest to leave a Google review, so great service builds your reputation.
UK-based support from day one
Our UK care team handles onboarding, training and account support from the moment you sign up.
Built for your team
Register staff as cashiers or supervisors with different levels of access on the Atoa platform, so the right people can take payments and the right people can manage the account.
No card machine needed
The QR code works on any screen at the table: a smartphone, tablet or till display. No terminal to carry between tables. Payment links handle deposits and advance bookings too.
Tips that reach the team
Guests add a tip right at the point of payment on the QR checkout. No awkward asks, no waiting.
Faster tables
Guests who want to pay and go do not have to wait for a card machine. They scan the QR code, choose Pay by Bank or card, and they are out the door. Covers turn faster and the experience is better for everyone.
Watertight security
Every Pay by Bank payment is authenticated by the customer’s own bank using Face ID or fingerprint, making fraud risk minimal. Card payments are PCI compliant. Neither you nor your staff ever handle raw card data.
One platform for the whole restaurant
Book a demo
Pay at table by QR
Pull up an Atoa QR code on any screen at the table. Guests scan, choose Pay by Bank or card, tip if they like, and pay without waiting for a terminal.
Card terminal
Take Visa, Mastercard, American Express, Apple Pay and Google Pay on an Atoa terminal, including contactless, for guests who prefer to tap.
Tip and get reviewed
Guests add a tip as part of the payment. A prompt then appears asking them to leave a Google review. Good service gets noticed without anyone having to ask.
Deposits and advance bookings
Take a deposit for a table booking or an advance payment for a private event or catering, sent by payment link or through online checkout.
Pay by Bank vs a card machine
Works with your restaurant EPOS
Explore Integrations
A trusted partner
for businesses in the UK
See how much you can save with Pay by Bank
- 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 callThe best EPOS depends on your menu, table plan and reporting needs. Options like Tevalis and PointOne are built for the hospitality industry. For the payments side, Atoa lets you take card and Pay by Bank at the table and works alongside your EPOS, so you keep the system that suits your kitchen and add lower-cost payments on top.
Restaurants take payments at the table with a card machine, and increasingly with Pay by Bank, where the guest scans a QR code and pays from their Bank app. With Atoa you can offer both, plus payment links for deposits and advance bookings, all in one dashboard.
When guests pay by QR code or link, they can add a tip at the point of payment, so the team gets tipped. After paying, they are also prompted to leave a Google review.
No, it will not. Atoa is the payments layer and works alongside your existing EPOS provider.
Yes. Atoa Payments Limited is authorised by the Financial Conduct Authority (FRN #1007647), and is ISO 27001 and SOC 2 certified.
