SMS payments.Text a link, get paid.
How SMS payments work
Create a payment request
Enter the amount in the Atoa app or dashboard and add a note if you like.
Send it by text, WhatsApp or email
The customer gets a secure link to pay, however you choose to send it.
They tap and pay
They approve in their Bank app with Face ID, fingerprint or passcode, or pay by card.
One link, sent however you work
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Invoices and remote sales
Text a link for work done off-site, phone enquiries or online orders, and get paid without waiting on a bank transfer.
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Instead of card over the phone
Do not read out card details. Send a link by text or email and let the customer pay securely from their own phone.
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Deposits and bookings
Take a deposit to hold a slot, a table or a job, with a link the customer can pay in seconds.
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Reminders and chasing
Resend the same link by text, WhatsApp or email to nudge an unpaid invoice, without an awkward phone call.
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Wholesale and B2B orders
Send a link to a business customer for a bulk order or repeat purchase, and get paid directly without card-over-phone or waiting on a bank transfer.
Why choose Atoa for SMS payments
Clear, lower fees
Pay by Bank starts at 0.6% + VAT with custom pricing for larger businesses and cards from 1.3%. Cancel any time, no hidden charges.*
Instant settlement
Pay by Bank settles instantly for most small businesses. Larger businesses receive funds the next working day. You don’t have to wait days or weeks to be paid.
No chargebacks
Pay by Bank payments are approved in the customer’s Bank app through fingerprint scan or face ID, sometimes even a passcode. So there is nothing to dispute later.
Pay by Bank or card, customer’s choice
The same link takes Pay by Bank or card, including Visa, Mastercard, American Express, Apple Pay and Google Pay.
UK-based support from day one
Our UK care team handles onboarding, training and account support from the moment you sign up.
Integrate with the tools you already use
Explore Integrations
Are SMS payments safe?
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Each Pay by Bank payment is confirmed with Face ID, fingerprint or passcode (Strong Customer Authentication) inside the customer’s own Bank app.
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No card details are shared. Pay by Bank payments move money straight from the customer’s account to yours, so there are no card numbers to read out or store.
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Bank-approved payments are not reversed by card-style disputes. No chargebacks to abuse.
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Atoa is FCA authorised (FRN #1007647) and ISO 27001 and SOC 2 certified.
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 callAn SMS payment is when you collect money by sending a payment link in a text message. With Atoa, the customer taps the link and pays by Pay by Bank or card, with nothing to download and no card machine.
You create a payment request in the Atoa app or dashboard. The customer gets a text, WhatsApp or email with a secure link. They tap it, approve the payment in their Bank app with Face ID, fingerprint or passcode, or pay by card, and the money settles instantly for most small businesses.
Yes. With Atoa, the customer approves each payment inside their own bank app, and no card details are shared. Atoa is FCA authorised (FRN #1007647) and ISO 27001 and SOC 2 certified.
Yes. The same link takes Pay by Bank or card payments, including Visa, Mastercard, American Express, Apple Pay and Google Pay.
Yes, and safer. Rather than reading out card numbers, you send a link by text and the customer pays securely from their own phone, so there is no card data to handle.
Pay by Bank starts at 0.6% + VAT. Atoa provides custom pricing for larger businesses. Card payments start at 1.3% for UK debit and credit cards. Card rates vary based on card type, business size and average transaction value. Business cards and American Express typically attract higher rates.
No. You send the link from the Atoa app or dashboard, and the customer pays on their phone. Buying or renting a card machine is not mandatory.
Yes. Atoa connects with Xero, QuickBooks and Sage, so the payments you take show up on your dashboard and feed straight into your accounts.
