Monthly pricing that
works for your business

Our pricing

Fair and transparent pricing that grows with your business.
Try Atoa Business free for 7 days.

Standard

0.7%(Ex. VAT) per successful transaction

Instant customer payments with low fees. No contracts or hidden charges.
Get 7 days of free payments

Custom

We offer bespoke transaction fees for businesses with £150k+ in annual turnover.

Contact us for rates and terms that suit your needs.
Contact Sales

Explore our Add-ons

Unlock extra features and integrations to grow your business with optional Add-ons. Enjoy the benefits of our Basic plan including unbeatably low transaction fees. You can cancel or adjust your plan anytime.

Can’t decide?

Basic
Free
Included with Standard Core plan.

In-store payments and links

Xero & QuickBooks invoice payments*

App and dashboard access

Instant payout

Collect tips

Add up to 3 locations

Growth
£19/month*
Excluding VAT

Everything in Basic plus…

Collect Google Reviews

Add notes to bank statements

Custom role access

Add up to 5 bank accounts

Up to 5 locations

Advanced
£59/month*
Excluding VAT

Everything in Growth plus…

Custom branded checkout

Bulk payment links

Add up to 10 bank accounts

Add up to 10 locations

Automatic payment reminders

Custom
Is your turnover more than £150k? If so, you may be interested in adding more features and integrations with custom pricing.
Contact our sales team to build a custom plan for your business.

Want to choose your Add-ons later? No problem. We’ll add it to your monthly bill when you subscribe.

*Excluding VAT

Can’t decide?

Compare Our Add-ons Features
Basic

Free

Growth

£19/month*

Advanced

£59/month*

Custom

Designed by you

Features

In store payments & links

icon-img Accept instant payments from customers using QR codes and payment links.
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App and Dashboard Access

icon-img Get access to the Atoa Business smartphone app and dashboard on your desktop.
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Instant payout

icon-img Get paid instantly from your customer’s bank app.
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Collect tips

icon-img Collect tips from customers during payment.
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Add notes to bank statements

icon-img Add notes to payments that will appear on your bank statements to easily identify transactions.
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Multiple bank accounts

icon-img Accept payments into different bank accounts.
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Custom staff access

icon-img Set which features each of your team members can access.
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Multiple locations

icon-img Manage payments different business locations.

3

5

10

Custom

Automated payment reminders

icon-img Send payment reminders by SMS or email to help customers remember to pay on time.
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Add-ons

Collect Google Reviews

icon-img Request feedback after customers pay. 4 and 5-star reviews go to Google, any below are stored privately in your dashboard.
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Custom branded checkout

icon-img Add your own brand identity to checkout, including logos and colour schemes.
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Monthly bulk payments

icon-img Send bulk payment links, track paid and unpaid links
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Custom/Brand SMS name

icon-img Ensure your payment SMS reflects your brand identity
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Integrations

Xero

icon-img Accept low fee, instant payments from customers bank app directly from Xero invoices.
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Quickbooks

icon-img Accept low fee, instant payments from customers bank app directly from QuickBooks invoices.
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Sage

icon-img Accept low fee, instant payments from customers bank app directly from Sage invoices.
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PointOne

icon-img Accept instant hospitality payments using QR code receipts, synced with your pointOne EPoS.
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TillTech

icon-img Accept instant hospitality payments using QR code receipts, synced with your TillTech EPOS.
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Magento

icon-img Accept instant e-commerce payments on your website.
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EPOS Now

icon-img Accept instant hospitality payments using QR code receipts, synced with your Epos Now system.
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Tevalis

icon-img Accept instant hospitality payments using QR code receipts, synced with your Tevalis EPOS.
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Woo Commerce

icon-img Instant e-commerce payments from Atoa, designed for WordPress sites.
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*Excluding VAT

Basic

Free

Growth

£19/month*

Advanced

£59/month*

Custom

Designed by you


Features

In store payments & links

icon-img Accept instant payments from customers using QR codes and payment links.
Image
Image

App and Dashboard Access

icon-img Get access to the Atoa Business smartphone app and dashboard on your desktop.
Image
Image

Instant payout

icon-img Get paid instantly from your customer’s bank app.
Image
Image

Collect tips

icon-img Collect tips from customers during payment.
Image
Image

Add notes to bank statements

icon-img Add notes to payments that will appear on your bank statements to easily identify transactions.
Image
Image

Multiple bank accounts

icon-img Accept payments into different bank accounts.
Image
Image

Custom staff access

icon-img Set which features each of your team members can access.
Image
Image

Multiple locations

icon-img Manage payments different business locations.

3

5


Automated payment reminders

icon-img Send payment reminders by SMS or email to help customers remember to pay on time.
Image
Image

Add-ons

Collect Google Reviews

icon-img Request feedback after customers pay. 4 and 5-star reviews go to Google, any below are stored privately in your dashboard.
Image
Image

Custom branded checkout

icon-img Add your own brand identity to checkout, including logos and colour schemes.
Image
Image

Monthly bulk payments

icon-img Send bulk payment links, track paid and unpaid links
Image
Image

Custom/Brand SMS name

icon-img Ensure your payment SMS reflects your brand identity
Image
Image

Integrations

Xero

icon-img Accept low fee, instant payments from customers bank app directly from Xero invoices.
Image
Image

Quickbooks

icon-img Accept low fee, instant payments from customers bank app directly from QuickBooks invoices.
Image
Image

Sage

icon-img Accept low fee, instant payments from customers bank app directly from Sage invoices.
Image
Image

PointOne

icon-img Accept instant hospitality payments using QR code receipts, synced with your pointOne EPoS.
Image
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TillTech

icon-img Accept instant hospitality payments using QR code receipts, synced with your TillTech EPOS.
Image
Image

Magento

icon-img Accept instant e-commerce payments on your website.
Image
Image

EPOS Now

icon-img Accept instant hospitality payments using QR code receipts, synced with your Epos Now system.
Image
Image

Tevalis

icon-img Accept instant hospitality payments using QR code receipts, synced with your Tevalis EPOS.
Image
Image

Woo Commerce

icon-img Instant e-commerce payments from Atoa, designed for WordPress sites.
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Basic

Free

Growth

£19/month*

Advanced

£59/month*

Custom

Designed by you


Features

In store payments & links

icon-img Accept instant payments from customers using QR codes and payment links.
Image
Image

App and Dashboard Access

icon-img Get access to the Atoa Business smartphone app and dashboard on your desktop.
Image
Image

Instant payout

icon-img Get paid instantly from your customer’s bank app.
Image
Image

Collect tips

icon-img Collect tips from customers during payment.
Image
Image

Add notes to bank statements

icon-img Add notes to payments that will appear on your bank statements to easily identify transactions.
Image
Image

Multiple bank accounts

icon-img Accept payments into different bank accounts.
Image
Image

Custom staff access

icon-img Set which features each of your team members can access.
Image
Image

Multiple locations

icon-img Manage payments different business locations.

10

Custom


Automated payment reminders

icon-img Send payment reminders by SMS or email to help customers remember to pay on time.
Image
Image

Add-ons

Collect Google Reviews

icon-img Request feedback after customers pay. 4 and 5-star reviews go to Google, any below are stored privately in your dashboard.
Image
Image

Custom branded checkout

icon-img Add your own brand identity to checkout, including logos and colour schemes.
Image
Image

Monthly bulk payments

icon-img Send bulk payment links, track paid and unpaid links
Image
Image

Custom/Brand SMS name

icon-img Ensure your payment SMS reflects your brand identity
Image
Image

Integrations

Xero

icon-img Accept low fee, instant payments from customers bank app directly from Xero invoices.
Image
Image

Quickbooks

icon-img Accept low fee, instant payments from customers bank app directly from QuickBooks invoices.
Image
Image

Sage

icon-img Accept low fee, instant payments from customers bank app directly from Sage invoices.
Image
Image

PointOne

icon-img Accept instant hospitality payments using QR code receipts, synced with your pointOne EPoS.
Image
Image

TillTech

icon-img Accept instant hospitality payments using QR code receipts, synced with your TillTech EPOS.
Image
Image

Magento

icon-img Accept instant e-commerce payments on your website.
Image
Image

EPOS Now

icon-img Accept instant hospitality payments using QR code receipts, synced with your Epos Now system.
Image
Image

Tevalis

icon-img Accept instant hospitality payments using QR code receipts, synced with your Tevalis EPOS.
Image
Image

Woo Commerce

icon-img Instant e-commerce payments from Atoa, designed for WordPress sites.
Image
Image

*Excluding VAT

Instant Xero payments

Pricing from 0.7% + 10p (ex. VAT)

Accept instant bank app payments directly from Xero invoices with the same great value pricing. No sneaky contracts or hidden fees. Note an additional 10p transaction fee is applied.
Find out more

Need help choosing your plan?

Our UK-based sales team are here to help

Our sales team can help you create a plan with custom pricing and features to help your business grow.
Contact us

Frequently asked questions

When you register for Atoa, you will automatically be using our free ‘Basic’ plan. When a customer pays your business using Atoa, you receive the full payment amount instantly. We don’t hold any of your funds. Instead, your business will be charged the rate agreed on its account (usually 0.7% per transaction*) or 30p each month, whichever number is higher. The 30p charge is paid directly to Stripe to maintain your direct debit. 

If you add a Growth or Advanced add-on to your Atoa account, you will be charged a monthly fee on top of your agreed transaction rate. If you cancel your Growth or Advanced add-ons you will be moved back to the free ‘Basic’ plan.

With Atoa, when a customer pays you, the full amount is paid into your bank account within seconds. We recommend setting up a direct debit to cover monthly transaction fees on Atoa. This way, your bill is paid automatically each month, helping you keep your cash flow smooth and your accounting simple.

All we charge is our unbeatably low transaction rates. If you choose to use Growth or Advanced add-ons then you’ll pay a monthly fee for those but they can be cancelled anytime. There are no monthly service fees or sneaky contracts with Atoa and our pricing remains simple and transparent.

Atoa is free from hardware or rental costs. All you need is our smartphone app or dashboard on your desktop to accept payments. When you complete sign up, we will send you an Atoa welcome pack with a QR stand for your business to get you up and running.

Our free Basic plan is an easy way to accept low-fee instant payments for small businesses without any extra costs. If your business has a growing team or needs access to more features such as Google Reviews or custom roles for staff, the Growth and Advanced add-ons might be what you’re looking for. 

Read the pricing page above to find out what each add-on offers under their monthly fee.

You can view your monthly statements by opening your Atoa app, selecting My Account, clicking Billing and Billing History, and then selecting the month you want to view. This will display any recent payments and estimated charges. Fees are collected by direct debit once a month.

If you’re on our Basic plan you only pay a percentage of your transactions billed monthly, or a 30p minimum charge to cover your direct debit with Stripe, whichever is higher. 

This article explains how to delete your Atoa account.