One platform for every payment your shop takes
The payments layer for your shop
Take a payment in three steps
Book a demo
Step 1
Ring up the sale
On your till, phone, tablet, any screen, or directly on a card terminal.
Step 2
The customer pays
They scan the Atoa QR code and approve in their bank app, or enter card details, or tap a card on the terminal.
Step 3
You get paid
Pay by Bank settles instantly for most small businesses, or next working day for larger ones. Cards typically settle within two working days.
Here is what changes when you add Atoa to your shop
Faster settlement
Pay by Bank settles instantly. Larger businesses receive a single consolidated payout the next working day. Cards typically settle within two days, excluding weekends and public holidays.
Works with your EPOS
Atoa is the payment layer, not a rip-and-replace. Your till, stock and reporting stay where they are. Fully integrated with Tevalis, PointOne, TillTech, VDIT, Haswent, Kurve and more.
No chargebacks on Pay by Bank
Every Pay by Bank payment is authenticated directly through the customer’s Bank app using biometrics or a passcode. Once that authentication is done, the payment stands.
Lower fees
Pay by Bank from 0.6% + VAT (with custom pricing for larger businesses) and cards from 1.3%.*
Built for your team
Assign roles to your team so staff can accept payments at the counter, while you manage the business from your Atoa dashboard.
No hardware needed to start
Get going with just the Atoa Business app on your phone or tablet or the dashboard version. No terminal needed to take your first payment.
Tips and Google reviews
Customers can add a tip during payment and get a prompt to leave a Google review once they’re done. A small touch that adds up.
UK-based support from day one
Our UK care team handles onboarding, training and account support from the moment you sign up. Technical specialists are available for integrations with your EPOS or accounting software.
One platform for the whole shop
Pay by Bank vs a card machine
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 POS depends on your stock and till needs. For the payment side, Atoa lets you take cards and Pay by Bank at the till, with no chargebacks on Pay by Bank, working alongside your existing EPOS, whether that is Tevalis, PointOne, TillTech or others.
Shops take card payments at the till on a card machine, and online through a checkout or payment link. With Atoa, you accept Visa, Mastercard, American Express, Apple Pay and Google Pay on a terminal, and offer Pay by Bank so customers can pay straight from their own Bank app.
Pay by Bank is usually the lower-cost option, because it skips the card networks entirely. Atoa’s Pay by Bank starts at 0.6% + VAT, with custom pricing available for larger businesses. You can still offer a card machine from 1.3% for customers who prefer to tap or insert.
No. Atoa is the payments layer and works alongside your existing EPOS and stock system. Your till, inventory and reporting stay where they are.
No. You can take Pay by Bank payments by QR code with no hardware at all, or use the Atoa Business app on your phone or tablet. If you want a terminal, the PAX is available from £20 a month to rent or £279 to buy outright.
Yes. Atoa Payments Limited is authorised by the Financial Conduct Authority (FRN #1007647), and is ISO 27001 and SOC 2 certified.
