How SMS payments work

1

Enter the amount due

Merchant enters the amount due in their Atoa Business app to generate a payment link

2

Share the payment link

Merchant shares payment link with their customer via SMS or by copying the link

3

Approve the transaction

Customer approves the payment in their bank app with face or fingerprint ID

Pay using any UK Bank app

Atoa allows your customers to pay on the move with instant bank transfers. Atoa supports all UK high street banks and neobanks such as Monzo, Revolut and Starling. Transactions are secure and processed within the customer’s mobile banking app.

Securely pay with Bank

Supported banks

Client Logo
Client Logo
Client Logo
hsbc-bank
LLOYDS
Royal-Bank-of-Scotland
monzo
Santander
Starling-bank
Client Logo
Client Logo
Virgin
Wise

Payment fees up to 70% lower than cards

Debit card payments in the UK can be a minefield. There are so many different fees and charges to keep track of that it’s hard to know what you’re really paying.

But it doesn’t have to be that way.

Atoa only charges you when you get paid. No gotcha contracts or sneaky hidden fees.

Payment-fees-images

Get paid anywhere, anytime

Get instant funds when customers pay by link.

Track status and quickly check whether a link has been paid or not.

Atoa can even send guilt-free nudges for you.

Get paid Image

UK-based care when you need it

Our dedicated UK-based customer service team are always happy to help. We’re committed to delivering a smooth payment experience with transparent pricing and service when you need it most. This commitment is echoed by our five-star reviews and happy merchants.

UK based care

Happy customers

With Atoa, we’ve totally cut out the card companies fees

Mikey T,

Barber,

Bristol

This has saved me a tonne of money

Ben McG,

Physio,

Edinburgh

Atoa is a great alternative to cards.

Phil B,

Florist,

London

Atoa helps with cashflow alot… I am so so grateful.

Maria H,

Beautician,

Manchester

Other Ways to Pay with Atoa

QR Sticker

Qr sticker

SMS

Sms qr image

Phone QR

PhoneQR

Fancy a quick chat?