Atoa for Xero

Instant Xero
invoice
payments

How this feature works

Connect Atoa
to Xero
Display your QR code on invoices, let your customer scan and pay with their bank app, and get an instant notification when the payment goes through.

Pricing starts at 0.7% + 10p (ex. VAT)

Atoa supports all major UK banks

Pay instantly from your personal or business bank app

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Customers tap to pay instantly

Customers tap the “Pay with bank app” button to pay your business from their personal or business bank account.

The transaction is updated in Xero and you get an instant notification when funds land in your linked bank account.

How our accountancy integration helps you

Atoa gives you more than just payments. Use our open banking powered solution to get paid faster, reduce admin, and keep your clients happy.

Link your bank accounts…

It only takes 30 seconds to connect your Atoa and Xero accounts.
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…for instant invoice payments

Clients can pay you in a few clicks from their UK consumer or business bank app.
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Xero and Atoa works for you

Spend less time on accounting with automatically synced payments and reconciliation.
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Why business owners trust Atoa

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“Atoa is a game changer for low fees, instant payouts, and amazing customer service!”

Dora, Holimed Beauty, Surrey

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“Atoa is far easier for deposits. Customers don’t need to log in to their bank account or transfer money to companies they don’t know.”

Remo, SCC, Leeds

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“Money lands in our account instantly and processing fees went down straight away.”

Luka, Goldsmith, London

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“If you’re starting a business and wondering how to accept payments, try Atoa. I downloaded the app and got set up in about two minutes.”

Damian, Carter Creative, Manchester

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“Since moving to Atoa, we have saved about £6,000 a month in transaction fees. 96% of our payments are now taken via Atoa.”

Jason Drury, Ponko, Cambridge

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“Atoa is a game changer for low fees, instant payouts, and amazing customer service!”

Dora, Holimed Beauty, Surrey

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“Atoa is far easier for deposits. Customers don’t need to log in to their bank account or transfer money to companies they don’t know.”

Remo, SCC, Leeds

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“Money lands in our account instantly and processing fees went down straight away.”

Luka, Goldsmith, London

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“Since moving to Atoa, we have saved about £6,000 a month in transaction fees. 96% of our payments are now taken via Atoa.”

Jason Drury, Ponko, Cambridge

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“If you’re starting a business and wondering how to accept payments, try Atoa. I downloaded the app and got set up in about two minutes.”

Damian, Carter Creative, Manchester

Join thousands of businesses growing with Atoa

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  • Registration takes 5 minutes
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  • Get 7 days of free payments
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  • No sneaky contracts or hidden fees
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  • Efficiency boosting features like tips, Google Reviews, and much more
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Frequently asked questions

Xero is a cloud-based accounting software that can be used to create customised invoices in seconds, which you can send to customers in a few clicks.

Head over to Xero.com and click the “Try Xero for Free” button to start a 30-day free trial. Fill in your details, agree to the terms, and Xero will send you a confirmation email to get things rolling. Just click the link, set a password, and you’re one step closer to sending invoices.  
Enter your business details and click “Start Trial” to finish.

To start accepting instant payments, the business creates an Atoa account, links a bank account and connects Xero.

They create an invoice and a ‘Pay now’ button appears which clients click to pay from their bank account using Atoa.

The customer clicks the button from their phone or laptop, which takes them to a secure payment page. 

How customers pay with their smartphone – Customers scan the QR code which opens a webpage on their phone screen. Here, they select their bank and confirm the payment from their personal or business banking app using a fingerprint scan or face ID. The funds are instantly transferred to the business’s bank account.
How customers pay on their computer – Customers click the “Continue on this Device” button, select their bank and authorise the payment from their personal or business internet banking website. The funds are instantly transferred to the business’s bank account.

Connecting your accounts to accept instant invoice payments is super easy and only takes 30 seconds.

On the Atoa dashboard, head to “My Account” and click the “Integrations” tab directly. Select “Connect to Xero.”  Atoa will ask you for access to your Xero account and to confirm the bank where your Xero invoice payments will be made. 

Now you can create invoices directly in Xero and get paid instantly using Atoa.

Connecting Xero with Atoa to accept invoice payments costs a tiny 0.7%  per transaction, plus a 10p fee. We’re up to 60% cheaper than leading card payment providers. 

If you’re already using Atoa, you’ll pay your current rate with a small 10p Xero fee added on. We’re not a fan of surprise fees or hidden costs. Instead, we keep pricing straightforward and transparent.

Leading card payment providers take up to 7 days to pay you. With Atoa, your money is in your pocket in seconds. This instant bank transfer feature gives you quicker access to your hard-earned money, which can help you run your business smoothly.

There are two ways customers can pay with Atoa:

Pay by Bank App (preferred) – Scan, pay, done. Your customer scans the QR code, sees the bill, picks their UK bank app, and pays. You get a notification from Atoa saying your payment has landed in your account. The payment is automatically reconciled with Xero. 

No phone? No worries. Your customer can skip the QR code and click “Continue on desktop”. They choose their preferred bank account and make a secure payment through their bank app.

You get a notification from Atoa about the payment landing in your bank account and the payment is instantly synced with your Xero account.

Paying with Atoa is as easy as tapping a button. You don’t have to type in a million account details to make a payment. But there are more reasons why “Pay with Bank” is better… 

  • More money in your pocket: You save up to 50% on your transactions than using your card machine.  
  • Forget about chargebacks: You have peace of mind knowing your money is safe and sound. No more worrying about customers disputing payments or chargeback fees. 
  • Faster payments: You don’t have to wait days for payments to clear. Instead, the money lands in your bank account within seconds. 
  • Super secure: Customers pay directly from their own UK bank app with a face or fingerprint scan, adding an extra layer of protection to every payment. 
  • Zero admin: Every Atoa payment is automatically synced in your Xero account and marked as paid.

Head to your Atoa dashboard and find the  “My Accounts” section. Click on “Integrations” and then the “Settings” cog. You’ll see a “Disconnect” button – give it a tap. A pop-up will appear to double-check you really want to do this. Done, your account is disconnected.