What is Recovery AI? Recovery AI is Atoa’s AI-powered collections assistant that helps you follow up on pending payments—automatically. It makes polite, professional calls to your customers, shares SMS payment links during the call, tracks the outcome, and updates your Atoa dashboard in real time. How does Recovery AI benefit my business? Increases on-time payment collection Reduces time spent manually chasing customers Sends SMS payment links during calls and guides customers through payment Helps you stay on top of overdue invoices with less admin effort How does it work? You can enable AI follow-up calls in two ways, either in bulk for all customers using a .csv upload or individually while creating payment links. Option 1: Enable AI calls for every customer (bulk upload) Download the template: Get our .csv template and fill in your customer details. This will include the name, phone number, amount due, and due date, email, payment details, notes, and an invoice link. Let AI take over: Once the file is uploaded, Recovery AI will automatically make follow-up calls based on system prompts and any notes you provide. You can test and tweak these notes to match your tone and style. Track outcomes: Call results are shown in real time on your dashboard, including statuses like Paid , Promised to pay , Refused , and more. Option 2: Enable AI calls for individual payment links When creating a one-off payment link in Atoa: Tick the checkbox for “Remind with an AI call” AI calls will only be made if the customer’s phone number is included This option gives you flexibility to use Recovery AI only where you need it. When does Recovery AI call customers? Recovery AI makes calls on: The due date , and Any reminder dates you've set Note: If a customer requests a callback during an AI call, Recovery AI will automatically call them back on the date they specify. No manual follow-up needed. How do I manage the tone or message used by Recovery AI? By default, Recovery AI speaks in a friendly, professional, and polite manner. To customise what it says: Go to the Recovery AI page on Atoa Click on Call settings (top right) Under Additional context , add notes such as tone of voice, payment plan details, specific instructions, etc. These notes help the AI tailor its call script while staying within its boundaries. How do I check the outcome of each call? Go to your uploaded customer batch on the Recovery AI page. You’ll see a list of customers with a Status column showing outcomes like: Paid Promised to pay Call not answered Refused to pay Voicemail left Wrong contact Paid via other means Callback requested 3. Click on a customer name to view the detailed AI call summary , including what was said and how the customer responded. Can I try a demo of this feature? Yes! You can contact our sales team at hello@paywithatoa.co.uk to request a demo and get help setting it up for your business. Where do I find Recovery AI on Atoa? Go to Add-ons from the left-hand menu Click on Recovery AI From here, you can upload customer details, view call results, and access call settings Need help getting started? Click Contact sales or email us at hello@paywithatoa.co.uk

What is bank feed? Bank feed lets you connect your business bank accounts to Atoa so you can see your transactions, from Atoa and beyond, all in one place. How does it benefit my business? It helps you save time, reduce manual data entry, and reconcile payments faster by keeping everything up to date automatically. How do I set up my Bank feed on Atoa? 1. Activate the Bank feed Select Bank feed on your web dashboard from the left-hand menu. Click Contact sales — this will open an email to hello@paywithatoa.co.uk . The Atoa team will then get in touch to set up the feature for you. Alternatively, you can email us directly at hello@paywithatoa.co.uk to request activation of the Bank feed feature. 2. Add your bank account Once Bank feed is enabled: Click ‘Add bank account,’ choose to connect an account already linked to Atoa or a new one. You’ll be redirected to a secure authorisation page. 3. Authorise your bank Select your bank and choose one of the two methods below: Option 1: Scan QR code Scan the QR code using your phone camera Select the bank account you'd like to connect Authorise Atoa to access your transaction data Once connected, your bank feed will display the most recent transactions Option 2: Share link with account holder Copy the link and send it to the person who owns the bank account They’ll authorise access through their bank app FAQs My account says it can’t access transaction history. What should I do? This usually means the transaction history permission wasn’t enabled during setup. To fix this: Reauthorise your account via your bank app Ensure you tick the box for transaction history access How can I view the feed for a specific bank? On the Bank feed page: Click on the dropdown titled ‘Filters’ Select the specific bank you’d like to filter by You’ll see just that bank’s transactions in the feed. Who can access the bank feed? Business owners and Admins (an Add-on role) can view the bank feed To assign view/edit access to staff: Go to the Staff page Set permissions for each employee (view-only or manage access) How do I disconnect a bank account? On the Atoa Dashboard (web) : Click on ‘Bank Feed’ in the side menu On the Atoa Business app : Tap ‘Menu’ > ‘My Account’ Then: Tap ‘Manage Bank Accounts’ Click the three dots next to the bank you want to disconnect Select ‘Disconnect’ Confirm by clicking ‘Yes, disconnect’ What are credits on the Bank feed page? Credits refer to the number of times you can refresh your Bank feed. Each time you refresh, one credit is used. The more credits you have, the more often you can update your feed to view the latest payments and transactions. How often do my credits reset? Your credits reset automatically every month. The number of credits you receive depends on your plan. If you’d like to know more or upgrade your plan, please contact our sales team on hello@paywithatoa.co.uk. Can I refresh my Bank feed manually? Yes, you can. Just click the Refresh button on the top-right corner of the Bank feed page to get the most up-to-date transaction details. Each manual refresh will use one credit. Does the Bank feed update automatically? Yes. Your Bank feed automatically refreshes every day at 12:00 a.m. (midnight) to show your most recent payments. This automatic refresh will also use one of your available credits.

Is Atoa secure? Yes. Security is built into every payment made through Atoa. When customers pay using Pay by Bank , the payment is authorised directly in their own banking app. Before approving the transaction, the customer confirms it using their bank’s security checks, such as Face ID, fingerprint, or their banking passcode. This means sensitive details like bank credentials are never shared with the business or with Atoa. Atoa also supports card payments (Visa and Mastercard) . Card transactions are processed through secure card networks and follow industry-standard protections and encryption used across the global payments ecosystem. For Pay by Bank payments, Atoa uses the UK’s Faster Payments network . Faster Payments is the same infrastructure used by UK banks for everyday transfers, including salary payments. The network is regulated and monitored by UK Financial Conduct Authority. Payments move directly between the customer’s bank and the business’s bank account. Pay by Bank payments also do not support traditional chargebacks, which can provide additional protection for businesses against disputed payments. By combining secure bank authentication, trusted payment networks, and strong regulatory standards, Atoa provides businesses with a safe and reliable way to accept both Pay by Bank and card payments .