Pricing that works
for your business
Small Businesses
- Save up to 50% compared to card payments (Ex. VAT)
- Lower fees by offering both Pay by Bank and card payments
- No contracts or hidden charges.
Medium to Large Businesses
- We offer highly competitive transaction fees for businesses processing over £1 million a year in payments.
- Contact us to learn more.
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.
Growth
Collect Google Reviews
Add notes to bank statements
Custom role access
Add up to 5 bank accounts
Custom branded checkout
Bulk payment links
Automatic payment reminders
Custom/Brand SMS name
Payment pages
Partial payments
Create invoices
Multi-Location & Multi-Business Support Available
Recurring card paymentsComing soon
Recurring Pay by bank paymentsComing soon
Want to choose your Add-ons later? No problem. We’ll add it to your monthly bill when you subscribe.
*Excluding VAT
Compare Our Add-ons Features
Basic
Free
Growth
£79/month*
Advanced
£149/month*
Custom
Designed by you
Features
App and dashboard access
Get access to the Atoa Business smartphone app and dashboard on your desktop.
In-store payments & links
Accept instant payments from customers using QR codes and payment links.
Instant payout
Get paid instantly from your customer’s bank app.
Collect tips
Collect tips from customers during payment.
Collect One-Off Payments
Collect a payment for a service or purchase that only needs to be paid once.
Add notes to bank statements
Add notes to payments that will appear on your bank statements to easily identify transactions.
Add up to 5 bank accounts
Accept payments into different bank accounts.
Custom role access
Set which features each of your team members can access.
Automated payment
reminders
Send payment reminders by SMS or email to help customers remember to pay on time.
Multi-Location & Multi-Business Support Available
Manage payments across multiple locations and businesses from a single Atoa account.
Card on File
Securely save a customer’s card details with their consent and use them for future payments.
Priority support
Get dedicated account management with faster response times
Onboarding support and training – Guided setup and team training so you’re ready from day one.
Onboarding support
and training
Guided setup and team training so you’re ready from day one.
AI Payment Recovery Agent
Automatically calls clients with overdue payments.
Coming soon
Coming soon
Recurring card and Pay by bank Payments
Collect recurring payments using card or Pay by Bank.
Coming soon
Coming soon
Coming soon
Add-ons
Collect Google Reviews
Request feedback after customers pay. 4 and 5-star reviews go to Google, any below are stored privately in your dashboard.
Custom branded checkout
Add your own brand identity to checkout, including logos and colour schemes.
Bulk payment links
Send bulk payment links, track paid and unpaid links
Custom/Brand SMS name
Ensure your payment SMS reflects your brand identity
Payment pages
Accept and manage multiple payments easily. Share reusable links or QR codes, collect details, and track everything in real time.
Partial payments
Let customers pay in parts rather than the full amount upfront. A flexible way to keep payments moving.
Create invoices
Create invoices instantly, get paid quickly, and keep your sales organised.
Integrations
Xero
Accept low fee, instant payments from customers bank app directly from Xero invoices.
Quickbooks
Accept low fee, instant payments from customers bank app directly from QuickBooks invoices.
Sage
Accept low fee, instant payments from customers bank app directly from Sage invoices.
pointOne
Accept instant hospitality payments using QR code receipts, synced with your pointOne EPoS.
TillTech
Accept instant hospitality payments using QR code receipts, synced with your TillTech EPOS.
Magento
Accept instant e-commerce payments on your website.
EPOS Now
Accept instant hospitality payments using QR code receipts, synced with your Epos Now system.
Tevalis
Accept instant hospitality payments using QR code receipts, synced with your Tevalis EPOS.
Woo Commerce
Instant e-commerce payments from Atoa, designed for WordPress sites.
*Excluding VAT
Features
App and dashboard access
Get access to the Atoa Business smartphone app and dashboard on your desktop.
In-store payments & links
Accept instant payments from customers using QR codes and payment links.
Instant payout
Get paid instantly from your customer’s bank app.
Collect tips
Collect tips from customers during payment.
Collect One-Off Payments
Collect a payment for a service or purchase that only needs to be paid once.
Add notes to bank statements
Add notes to payments that will appear on your bank statements to easily identify transactions.
Add up to 5 bank accounts
Accept payments into different bank accounts.
Custom role access
Set which features each of your team members can access.
Automated payment
reminders
Send payment reminders by SMS or email to help customers remember to pay on time.
Multi-Location & Multi-Business Support Available
Manage payments across multiple locations and businesses from a single Atoa account.
Card on File
Securely save a customer’s card details with their consent and use them for future payments.
Priority support
Get dedicated account management with faster response times
Onboarding support and training – Guided setup and team training so you’re ready from day one.
Onboarding support
and training
Guided setup and team training so you’re ready from day one.
AI Payment Recovery Agent
Automatically calls clients with overdue payments.
Recurring card and Pay by bank Payments
Collect recurring payments using card or Pay by Bank.
Coming soon
Add-ons
Collect Google Reviews
Request feedback after customers pay. 4 and 5-star reviews go to Google, any below are stored privately in your dashboard.
Custom branded checkout
Add your own brand identity to checkout, including logos and colour schemes.
Bulk payment links
Send bulk payment links, track paid and unpaid links
Custom/Brand SMS name
Ensure your payment SMS reflects your brand identity
Payment pages
Accept and manage multiple payments easily. Share reusable links or QR codes, collect details, and track everything in real time.
Partial payments
Let customers pay in parts rather than the full amount upfront. A flexible way to keep payments moving.
Create invoices
Create invoices instantly, get paid quickly, and keep your sales organised.
Integrations
Xero
Accept low fee, instant payments from customers bank app directly from Xero invoices.
Quickbooks
Accept low fee, instant payments from customers bank app directly from QuickBooks invoices.
Sage
Accept low fee, instant payments from customers bank app directly from Sage invoices.
pointOne
Accept instant hospitality payments using QR code receipts, synced with your pointOne EPoS.
TillTech
Accept instant hospitality payments using QR code receipts, synced with your TillTech EPOS.
Magento
Accept instant e-commerce payments on your website.
EPOS Now
Accept instant hospitality payments using QR code receipts, synced with your Epos Now system.
Tevalis
Accept instant hospitality payments using QR code receipts, synced with your Tevalis EPOS.
Woo Commerce
Instant e-commerce payments from Atoa, designed for WordPress sites.
Features
App and dashboard access
Get access to the Atoa Business smartphone app and dashboard on your desktop.
In-store payments & links
Accept instant payments from customers using QR codes and payment links.
Instant payout
Get paid instantly from your customer’s bank app.
Collect tips
Collect tips from customers during payment.
Collect One-Off Payments
Collect a payment for a service or purchase that only needs to be paid once.
Add notes to bank statements
Add notes to payments that will appear on your bank statements to easily identify transactions.
Add up to 5 bank accounts
Accept payments into different bank accounts.
Custom role access
Set which features each of your team members can access.
Automated payment
reminders
Send payment reminders by SMS or email to help customers remember to pay on time.
Multi-Location & Multi-Business Support Available
Manage payments across multiple locations and businesses from a single Atoa account.
Card on File
Securely save a customer’s card details with their consent and use them for future payments.
Priority support
Get dedicated account management with faster response times
Onboarding support and training – Guided setup and team training so you’re ready from day one.
Onboarding support
and training
Guided setup and team training so you’re ready from day one.
AI Payment Recovery Agent
Automatically calls clients with overdue payments.
Coming soon
Coming soon
Recurring card and Pay by bank Payments
Collect recurring payments using card or Pay by Bank.
Coming soon
Coming soon
Add-ons
Collect Google Reviews
Request feedback after customers pay. 4 and 5-star reviews go to Google, any below are stored privately in your dashboard.
Custom branded checkout
Add your own brand identity to checkout, including logos and colour schemes.
Bulk payment links
Send bulk payment links, track paid and unpaid links
Custom/Brand SMS name
Ensure your payment SMS reflects your brand identity
Payment pages
Accept and manage multiple payments easily. Share reusable links or QR codes, collect details, and track everything in real time.
Partial payments
Let customers pay in parts rather than the full amount upfront. A flexible way to keep payments moving.
Create invoices
Create invoices instantly, get paid quickly, and keep your sales organised.
Integrations
Xero
Accept low fee, instant payments from customers bank app directly from Xero invoices.
Quickbooks
Accept low fee, instant payments from customers bank app directly from QuickBooks invoices.
Sage
Accept low fee, instant payments from customers bank app directly from Sage invoices.
pointOne
Accept instant hospitality payments using QR code receipts, synced with your pointOne EPoS.
TillTech
Accept instant hospitality payments using QR code receipts, synced with your TillTech EPOS.
Magento
Accept instant e-commerce payments on your website.
EPOS Now
Accept instant hospitality payments using QR code receipts, synced with your Epos Now system.
Tevalis
Accept instant hospitality payments using QR code receipts, synced with your Tevalis EPOS.
Woo Commerce
Instant e-commerce payments from Atoa, designed for WordPress sites.
*Excluding VAT
Instant Xero payments
Save up to 50% on payment fees
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.
Note: an additional 10p transaction fee is applied.
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.
Atoa is a UK payment provider that helps businesses accept Pay by Bank and card payments on one payment platform.
Pay by Bank uses secure open banking technology, allowing customers to pay directly from their Bank app. Funds typically settle instantly. Card payments (Visa, Mastercard, American Express, Apple Pay, and Google Pay) are also supported, giving businesses flexible payment options across in-store, online, and remote payments.
Atoa is an FCA-authorised payment institution based in London and is rated “Excellent” on Trustpilot.
Pay by Bank allows customers to make payment via their UK Bank App or Internet Banking.
Instead of entering card details, customers:
- Scan a QR code or click a SMS/email payment link
- Select their bank
- Approve the payment securely in their banking app using Face ID or fingerprint scan
The money is sent directly from their bank to yours, often within seconds. No card details are shared, and no manual bank transfers are required.
- 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 supports card payments (Visa, Mastercard, American Express, Apple Pay, Google Pay) alongside Pay by Bank.
Customers can choose to pay by card when using a payment link or online checkout. While Pay by Bank offers lower fees and instant settlement, card payments give customers flexibility where needed.
Both options are managed in one dashboard.
Our Pay by Bank rates are typically up to 50% lower than traditional UK payment processing fees from other online payment processors, helping businesses reduce payment costs.
Our card rates are also highly competitive. Pricing depends on your business type and monthly processing volume.
Atoa is designed for UK businesses, including:
- UK-registered limited companies processing £50,000 or more in monthly payments
- Registered UK charities (discounted rates available)
We do not currently support sole traders.
You can sign up in minutes via the Atoa Dashboard or download the Atoa Business app on iOS or Android.
The application takes around 5 minutes to complete, and our UK-based team will guide you through onboarding. We also offer a 7-day free trial so you can explore the platform before going live.
If you’d prefer a walkthrough, you can request a demo or speak to our team at hello@paywithatoa.co.uk.
Atoa supports payments across multiple channels:
In person:
- Payment terminals
- QR code stands
Remotely:
- SMS and email payment links
- Xero invoice payments
Online:
Set up Atoa as your online payment system for your website through integrations with:
- Shopify checkout
- Magento
- WooCommerce
- WordPress
Customers can pay using Pay by Bank or card.
Our UK-based support team is here to help.
You can reach us via:
- Email: hello@paywithatoa.co.uk
- Live chat: Available in your Atoa dashboard
- Help Centre: Visit our online Help Centre for guides and walkthroughs
