QR code payments
in store or on the go
How QR code payments work
Put your code up, the customer scans, you get paid. That’s it.
Show your QR code. On a stand, a screen or an invoice.
The customer scans it with their phone, no app needed.
They approve in their banking app with Face ID, a fingerprint or passcode, or pay by card.
You get paid. Funds usually arrive in seconds.
What is a QR code payment
A QR code payment lets a customer pay by scanning a code with their phone. With Atoa, they pay from their banking app or by card, nothing to download.
Pay by Bank
Customers approve in their banking app. Lower fees, no chargebacks.
Pay by card
Prefer card? If it’s enabled on your account, the same code takes Visa, Mastercard, American Express, Apple Pay and Google Pay.
Why UK businesses are switching
to QR code payments
Lower fees
No card-scheme charges. Keep more of every sale.
Money in seconds
Funds usually arrive in seconds, not days.
No hardware
Nothing to buy or rent. Just show a code.
No chargebacks
Bank-approved payments can’t be reversed.
Fewer mistakes
The amount and your details are pre-filled.
Familiar
Customers pay from the banking app they already use.
QR code payments
vs card machines
| Feature | Card machine | Atoa QR code payment |
|---|---|---|
| Hardware | Terminal to buy or rent | None, show a code |
| Fees | Card fees, typically higher | Pay by Bank from 0.7% |
| Payout | Often next working day | Usually seconds |
| Chargebacks | Possible | None on Pay by Bank |
| Setup | Order and set up a device | Minutes |
Atoa says businesses can save up to 60% on payment fees versus cards. Your exact saving depends on your card mix and volume – see Atoa pricing for a tailored figure.
Are QR code payments safe?
Yes, paid through your bank, they’re built to be secure.
You approve in your own banking app, with Face ID, fingerprint or passcode.
No card details are shared.
No chargebacks to abuse.
FCA authorised, ISO 27001 and SOC 2 certified.
As with any payment, only scan codes you trust.
Why choose Atoa
for QR code payments
QR code payments are only as good as the platform behind them. With Atoa you get:
Clear, low pricing
0.7% + VAT on Pay by Bank. No contracts.
FCA authorised
Authorised Payment Institution (FRN 1007647).
One code, everywhere
Till, links, invoices and online checkout.
In person, no hardware
Pop a red Atoa QR stand on the counter.
More than payments
Collect tips and Google reviews at checkout.
Set up in minutes
Free trial, UK support.
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 callShow a QR code on a stand, screen or invoice. The customer scans it, approves in their banking app (or pays by card), and the money usually lands in seconds
Customers don’t need an app; they use the camera app, you manage your QR codes and payments in the Atoa Business app and dashboard.
Yes. If card payments are enabled on your account, the same code takes Visa, Mastercard, American Express, Apple Pay and Google Pay.
No. Show your code on a phone, tablet or any screen, or print it. Atoa QR stand is handy for a busy counter, but it isn’t required.
Pay by Bank starts at 0.7% + VAT in person; cards from 1.3% for UK debit and credit cards. Online adds 20p per transaction.
