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Account How do I change my linked bank account? You can edit your bank account details directly from your Atoa account settings. Go to Settings and select Manage Bank Accounts . Click the three… 2 min read Account When do I get paid? (Settlements) The moment a customer pays, the clock starts. Here's exactly when you can expect the money in your account, depending on how they paid. When does the… 2 min read Account Can I refer other businesses to Atoa? Yes! If you know of another business who would really benefit from Atoa, you can send them a referral link from Atoa Business Dashboard, Atoa… 1 min read Account How do I manage my Atoa account? Managing your Atoa account is straightforward whether you're at your desk or on the go. From adding your team and tracking payments to updating your… 4 min read Account How does billing work? It depends on how your customers pay. Pay by Bank – You receive 100% of the payment upfront into your business bank account. Atoa's fees are then… 1 min read Account My account has been suspended. How do I reactivate it? If you believe your account has been incorrectly suspended, you can appeal our decision by sending us further information at hello@paywithatoa.co.uk… 1 min read Account How to verify your business on Atoa Why verify your business? When you first sign up with Atoa, there's a £20 limit on payments. Verify your business to lift this limit and continue… 1 min read Account Does Atoa charge a minimum fee? Our standard Pay by Bank rate of 0.7% works out at about 70p in fees per £100. Instant payments at an unbeatable low rate can help boost your… 1 min read Account I've been asked to re-verify my account, why? (Re-KYC) I've been asked by Atoa to re-verify my account, why? Atoa often requests merchants to re-verify their account details as part of our continuous… 1 min read Account Can I manage multiple businesses or locations from one Atoa account? Home Account Can I manage multiple businesses or locations from one Atoa account? Yes. You can add and manage multiple business locations under one… 1 min read Account Why did my Atoa Business account application get declined? If your Atoa Business account application was declined, you can find more information on the reasons behind this decision in the relevant article on… 1 min read Account How can I view my payment history on Atoa? You can view your payment history by going to My Account and then Analytics in your Atoa dashboard. This section shows the number of payments… 1 min read Account What happens if my account is suspended? If your account is suspended, you can appeal by sending further information to hello@paywithatoa.co.uk. The reasons for suspension may vary and your… 1 min read Account How do I update my bank account details on Atoa? You can edit your bank account details in your Atoa account settings by going to Settings, selecting Manage Bank Accounts, and editing the account… 1 min read Account What information do I need to verify my business with Atoa? You need to provide a photo of your ID (passport or UK driver's license), proof of your business address (like a utility bill), and a quick selfie to… 1 min read Account Will my account be closed if I'm inactive for a while? No, Atoa will not delete your account due to inactivity. However, you may receive communications from us to check on your business situation. 1 min read Account Can I suspend or cancel my account with Atoa? To suspend or cancel your account, you must provide notice to Atoa as specified in the Terms. If you cancel, you need to settle any outstanding… 1 min read Account What are my responsibilities when using Atoa? You are responsible for ensuring your use of Atoa’s services complies with all applicable laws, maintaining accurate account information, handling… 1 min read Account What types of businesses can sign up for Atoa services? Atoa is designed for UK-registered limited companies processing £50,000 or more in monthly payments and registered UK charities, but it does not… 1 min read Account How does Atoa ensure the security of my account information? Atoa maintains a security program intended to protect your personal data and financial information, which includes encryption of sensitive data in… 1 min read Account What happens if I don't verify my account when requested? If you don’t verify your account within 30 days of being requested, your Atoa account will be closed for privacy and security reasons. 1 min read Account Can I manage multiple businesses under one Atoa account? Yes, you can add and manage multiple business locations under one Atoa account, with each location operating independently while allowing you to… 1 min read Account What happens if I enter the wrong 2FA code? If you enter the wrong 2FA code three times, you'll need to wait and try again later. You may also see an error message prompting you to try again or… 1 min read Account What should I do if I lose access to my authenticator app for 2FA? If you lose access to your authenticator app, use one of your backup codes to log in. After logging in, go to Security And Control to set up 2FA on a… 1 min read Account How do I set up two-step authentication (2FA)? You'll be prompted to set up 2FA when you log in. If you're an existing user, follow the instructions provided, or go to Security And Control in your… 1 min read Account What should I do if I suspect unauthorized access to my Atoa account? If you suspect any unauthorized access to your Atoa account, you must notify Atoa immediately. It's important to maintain the confidentiality of your… 1 min read Account Do my clients need to download anything to pay using Atoa? No, your clients do not need to download a new app. They can complete their payment by scanning a QR code or using a payment link sent via SMS or… 1 min read Account What types of businesses can use Atoa? Atoa is designed for UK-registered limited companies and UK charities. Sole traders cannot currently sign up. 1 min read Account Can I manage multiple business locations with my Atoa account? Yes, you can manage multiple locations from a single Atoa account, with full visibility across all sites from your dashboard. To add more business… 1 min read Account How do I access my Atoa account? You can access your Atoa account either through the Atoa Business Dashboard on your desktop by logging in at dashboard.paywithatoa.co.uk or through… 1 min read Account How do I track my payment history with Atoa? To view your payment history, head to 'My Account' and select 'Analytics'. Here, you can see transaction details, the number of payments accepted,… 1 min read

Data Protection and Privacy What data does Atoa collect and how is it used? Atoa processes personal data as a data processor on your behalf to complete transactions and comply with regulatory requirements. You are responsible… 1 min read

Devices Getting started with my card terminal Atoa now offers payment via Terminals for Card Payments and Pay by Bank Payments. I've just received my new card terminal, what should I do first?… 3 min read Devices Voiding and refund card payments Difference between "void" and "refunds" Voids – If a transaction has been completed but you wish to return funds to the customer before settlement… 1 min read Devices Connecting to Wi-Fi on your A920 Pro Connecting Atoa to the internet is quick and easy... Power on your terminal by holding down the button on the right-hand side. Wait until a “No… 1 min read Devices Purchasing a card machine Buying a PAX A920 Pro Atoa currently offers the PAX A920 Pro card machine. Built on Android 10, it's an advanced card machine designed for fast,… 1 min read Devices Accessing settings You can access our Settings area by swiping up from the right-hand side of the terminal screen. You'll then see the button for "Settings". 1 min read Devices What is Rapyd Payments Limited? Rapyd provides Atoa's card payment services. Rapyd is a major global card acquirer and provides payment services for leading brands such as… 1 min read Devices How do I change the paper roll? Changing the till roll is quick and easy. Pull the latch on top of the terminal’s printer cover to open it. Place the paper roll inside with the… 1 min read Devices How to update your password What is a password? The default password for voiding transactions on your terminal is 9299 . For security reasons, we strongly recommend updating… 1 min read Devices My card machine isn't working... Troubleshooting Your Card Machine 1. Check the Basics 💡 95% of card machines issues can be resolved by following these two steps. Wi-Fi Signal:… 1 min read Devices What is two-step authentication (2FA)? Two-step authentication (2FA) or two-factor authentication adds an extra layer of security to your Atoa account. Along with your password, you'll… 6 min read Devices How to enable tips and split bills By default, Tips and Split Bills are disabled on Atoa terminals. How to Enable Swipe up from the right-hand side of the terminal screen. Select… 1 min read Devices How do I generate a end of day card report? Generating a end-of-day or end-of-shift summary report (also known as a "X Report" in three easy steps. Swipe up from the right-hand side of the… 1 min read Devices How do I enable tips and split bills on my Atoa terminal? To enable tips and split bills on your Atoa terminal, swipe up from the right side of the terminal screen, go to "Settings", and toggle the options… 1 min read Devices Can I use Atoa to take card payments on my phone? Yes, the Atoa Business app for iOS and Android lets you accept card payments and send payment links directly from your phone or tablet, managing… 1 min read Devices Does the Atoa terminal accept card payments too? Yes, Atoa terminals support both card payments and Pay by Bank on the same device, letting customers choose how they want to pay. 1 min read

Features How do I connect my Atoa account to my Google Profile? The Google reviews feature is for Growth or Advance Add-on users. People trust businesses with good reviews—it shows you’re reliable. We’ve made it… 1 min read Features How to add and manage employees on Atoa There are three ways for your employees to be added to your Atoa account. Employees can scan the QR code on the app Employees can scan the back of… 1 min read Features What is the Invoice feature on Atoa? Create invoices instantly, get paid quickly, and keep your sales organised. With Atoa Invoices, you can send professional, branded invoices in… 2 min read Features How do bulk payment links work? What is the bulk payment link feature? Atoa's bulk payment link feature helps you save time by sending multiple payment links simultaneously. How do… 2 min read Features What are Communication Preferences? Communication Preferences allow you to choose how you’d like to receive updates from Atoa. You can control notifications by channel (Push… 2 min read Features 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… 3 min read Features What is the Customers feature all about? The Customers feature lets you save your customer details in one place so you can track payments and send invoices faster. Why do I need the… 1 min read Features What is the Products feature about? Products lets you create and save a list of items you sell. Instead of typing product details each time you create an invoice, you can add them… 2 min read Features 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… 3 min read Features How to collect tips on Atoa Everyone loves a tip! As a business owner, you can increase your takings by 5-10% by collecting them when you accept payments with Atoa. Why you… 1 min read Features How can Google Reviews help my business with Atoa? What is the Google Reviews feature? Atoa asks customers to leave a review after they pay, securing more 5-star reviews for your business so it… 2 min read Features What are partial payments? Partial payments allow customers to pay an amount less than the full total. This is useful for large transactions or when you want to collect a… 1 min read Features How to create a custom role for your staff? Sometimes, our standard roles like cashier and supervisor don’t match what your staff needs. That’s why we’ve made it easy for you to create custom… 1 min read Features How does Atoa ensure the security of payments? Atoa is a FCA-authorised payment institution that utilizes secure open banking technology. Customer bank details and card information are never… 1 min read Features How does Pay by Bank work with Atoa? With Pay by Bank, customers can make payments directly from their banking app using secure open banking technology. They simply approve the payment,… 1 min read Features How are transactions processed with Atoa? Atoa enables payments through Pay by Bank, allowing customers to pay directly from their banking app, as well as through card payments. This provides… 1 min read Features How does Atoa handle card payments? Atoa supports card payments from Visa, Mastercard, American Express, Apple Pay, and Google Pay. Customers can pay by tapping, inserting, or entering… 1 min read Features How can I send a payment link using Atoa? Log into the Atoa Dashboard or app, click on the "Links" icon, choose "New Link", enter the amount and customer details, and click "Create and send… 1 min read Features How can I send a payment link to my customers? Log into the Atoa Business Dashboard or app, go to the 'Links' icon, click 'New Link' or 'Create payment link', enter the amount and customer… 1 min read Features What types of payments can I accept with Atoa? With Atoa, you can accept payments through QR codes, payment links, card payments, and online checkout for various platforms, giving your customers… 1 min read Features What is the advantage of having a single payment platform? Using Atoa’s single payment platform streamlines your operations by allowing you to manage both Pay by Bank and card payments easily, reducing manual… 1 min read Features How can I send payment links to my customers? You can send secure payment links via SMS or email to collect payments from customers remotely. This is useful for deposits or customers who aren’t… 1 min read Features Can Atoa be used for in-store payments? Yes, Atoa can be used for in-store payments through tools like QR codes and payment links that sync directly back to your system. 1 min read Features How do Payment Pages work? Payment Pages allow you to accept and manage multiple payments from customers in one place. You can create a single link or QR code, customize the… 1 min read Features Can I offer both Pay by Bank and card payments in my online checkout? Yes, Atoa allows you to offer both Pay by Bank and card payments within the same online checkout, giving your customers more flexibility in their… 1 min read Features Does Atoa’s checkout payment gateway accept credit cards? Yes, Atoa’s checkout payment gateway supports all major credit and debit cards, including Visa, Mastercard, American Express, Apple Pay, and Google… 1 min read Features What is the payment initiation process through the Atoa platform? When you request a payment from a customer, Atoa securely transmits the payment request to the customer’s bank for authorization. The payment is… 1 min read Features What cards can I accept on Atoa? With Atoa, you can accept debit and credit card payments, including Visa, Mastercard, American Express, and digital wallets like Apple Pay and Google… 1 min read Features What payment methods does Atoa support? Atoa supports both Pay by Bank and card payments. You can accept payments via Visa, Mastercard, American Express, Apple Pay, and Google Pay through… 1 min read Features Can I accept deposits or split payments with Atoa? Yes, Atoa allows you to accept deposits and split payments, providing you with full visibility and real-time reconciliation. 1 min read Features How does the Pay by Bank feature work? Pay by Bank lets customers pay directly from their bank app. They can scan a QR code or click a payment link, select their bank, and approve the… 1 min read Features What are the benefits of using Atoa for payments? Atoa helps businesses save on payment fees, speed up settlements, and streamline financial operations, making it easier to manage payments from one… 1 min read Features Can I use Atoa to facilitate transactions on third-party marketplaces? No, Atoa cannot be used as a payment intermediary for sales on third-party marketplaces. You may only use Atoa for e-commerce transactions related to… 1 min read Features How can I collect invoice payments with Atoa? You can collect invoice payments faster with Atoa by using Pay by Bank or card payment links directly from your Atoa dashboard, and you can also… 1 min read Features How can I send Pay by Bank links to customers? You can send Pay by Bank links through SMS, email, or directly from your CRM or booking system using Atoa's features. 1 min read Features How can I enable the Google Reviews feature on Atoa? To enable the Google Reviews feature, you need to upgrade to the Growth or Advanced Add-ons. Then, go to the ‘Add-ons’ tab on your dashboard, select… 1 min read Features What are the steps to collect tips through Atoa? To collect tips on Atoa, follow these steps: 1. Open the Atoa app and tap 'Tips' on the homepage. 2. Slide the 'Allow Tips' toggle on, then tap… 1 min read Features How do I manage employee access levels on Atoa? To manage access levels for employees, go to the 'Staff' tab on your Atoa dashboard, approve employee requests from the ‘Requests’ tab, and set the… 1 min read Features What is the bulk payment link feature and how do I use it? The bulk payment link feature allows you to send up to 100 payment links simultaneously. To use it, go to the Bulk Payments Links tab on your… 1 min read Features How do I create and send invoices with Atoa? To create an invoice on Atoa, click on 'Invoice' in the left-hand menu, select 'Create new invoice,' enter the customer and product details, and… 1 min read Features Can I customize communication preferences for my Atoa notifications? Yes, you can customize your communication preferences. Go to the Communication Preferences section on your Atoa dashboard and toggle on or off… 1 min read Features What happens if I forget my phone when trying to pay with Atoa? If a customer forgets their phone, they should be offered an alternative payment method since Atoa requires the use of a mobile phone with a banking… 1 min read Features How can I take deposits for appointments using Atoa? You can take deposits by sending a secure payment link via SMS or email, allowing customers to pay either through their banking app or by card. 1 min read Features How do I manage staff access levels on Atoa? You can add staff to your Atoa account and assign them roles such as Cashier, Supervisor, or Admin based on the access they need. 1 min read Features What are Payment Pages and how do I use them? Payment Pages allow you to accept and manage payments from multiple customers in one place. You can collect customer information, share a single… 1 min read Features Do I need to pay extra for the Google Reviews feature? Yes, the Google Reviews feature is exclusive to Growth and Advance Add-on users. If you want to use this feature, you will need to upgrade from the… 1 min read Features How can I track which payments have been partially paid? You can track partially paid payments in the Links tab of your Atoa account. Check the Status column; it will show as 'Partially paid' for any… 1 min read Features What is Recovery AI and how can it benefit my business? Recovery AI is Atoa’s AI-powered collections assistant that follows up on pending payments automatically. It makes calls, shares SMS payment links,… 1 min read Features How do I enable Recovery AI for my customers? You can enable AI follow-up calls by uploading customer details using a .csv file or by selecting the option while creating individual payment links.… 1 min read Features How do I check the outcome of the calls made by Recovery AI? You can check the outcomes on the Recovery AI page by viewing the list of customers uploaded. The status column will display results such as Paid,… 1 min read Features How do I create an invoice using Atoa? To create an invoice, click 'Invoice' in the left-hand menu, select 'Create new invoice', fill in the details including customer and products, and… 1 min read Features Can I void an invoice if there's a mistake? Yes, you can void an invoice by clicking the three dots under the 'Send invoice' button, selecting 'Mark as void', and confirming. Voided invoices… 1 min read Features What is the Bank Feed feature and how can it help my business? The Bank Feed feature allows you to connect your bank accounts to Atoa, helping you view all transactions in one place and reducing manual data… 1 min read Features How do I set up my bank feed on Atoa? To set up your bank feed, select 'Bank feed' on your dashboard, contact sales to activate it, and then follow the instructions to add and authorize… 1 min read Features Who can access the bank feed in Atoa? Only business owners and Admins can view the bank feed. You can assign permissions to staff members to allow view/edit access if needed. 1 min read Features How do I disconnect a bank account from Atoa? To disconnect a bank account, go to 'Bank Feed' in your Atoa Dashboard, tap on 'Manage Bank Accounts', select the account, click the three dots, and… 1 min read Features Can I manage my communication preferences on Atoa? Yes, you can manage your communication preferences by going to 'Settings' > 'Communication Preferences' on your dashboard to customize how you… 1 min read Features How does Atoa’s online payment integration handle reconciliation? Atoa's online payment integration automatically matches and records every payment, whether through your eCommerce platform or invoices, ensuring that… 1 min read Features Can Atoa handle both online and in-store payments? Yes, Atoa can process payments both online and in-store, using payment links, QR codes, or terminals, all while ensuring lower fees and clear… 1 min read Features What is the Virtual Account used for in Atoa? The Virtual Account is a safeguarded bank account provided by Atoa's banking partner, ClearBank. It is used to collect and hold funds from… 1 min read Features What payment methods can I accept with Atoa? You can accept payments via Pay by Bank and card payments (Visa, Mastercard, American Express, Apple Pay, Google Pay) all through one platform. Atoa… 1 min read Features How does Atoa process refunds? Atoa processes refunds through their system where you can initiate it from your Atoa dashboard, and it will be confirmed real-time. The method of… 1 min read Features Why do many businesses prefer Pay by Bank over card payments? Many businesses prefer Pay by Bank for its lower fees, faster settlement times, and enhanced security, making it ideal for higher-value transactions. 1 min read Features Is Atoa only a Pay by Bank payment platform? No, Atoa supports both Pay by Bank and card payments, giving your customers the option to choose their preferred payment method. 1 min read Features How quickly are checkout payments confirmed? Every checkout payment is confirmed in real time. Pay by Bank payments typically arrive within seconds, while card payments follow standard… 1 min read Features What are Aggregation Services with Atoa? Aggregation Services involve the collection of funds from multiple transactions into a Virtual Account that Atoa manages. The net amount, after… 1 min read Features What is the Virtual Account in Atoa's Aggregation Services? The Virtual Account is a safeguarded bank account provided by Atoa's banking partner, ClearBank, where funds from transactions are held until they… 1 min read Features What is a Payment Initiation Service (PIS)? PIS is a service that allows you to initiate a payment request to a customer's bank account through Atoa's platform, enabling secure payment… 1 min read Features How do customers pay through a Xero invoice via Atoa? Customers can pay through a Xero invoice by clicking the ‘Pay now’ button, which redirects them to a secure payment page. They can approve the… 1 min read Features How does Atoa handle invoice reconciliation with Xero? Atoa automatically syncs payments to Xero, marking invoices as paid instantly without any manual intervention required. This streamlines your finance… 1 min read Features How is Pay by Bank different from a regular bank transfer? Unlike regular bank transfers, which require manual entry of payment details, Pay by Bank initiates instant transfers directly from a secure… 1 min read Features What types of payments can customers make through Atoa? Customers can make payments via debit and credit cards, including Visa, Mastercard, and American Express, as well as through digital wallets like… 1 min read Features What are the Aggregation Services offered by Atoa? Aggregation Services with Atoa involves collecting funds from multiple transactions into a Virtual Account, from which net amounts (after applicable… 1 min read Features What are the benefits of using cashless transactions with Atoa? Cashless transactions through Atoa offer faster checkouts, lower fees, stronger security, and improved cash flow for UK businesses. Most shoppers now… 1 min read Features How do customers confirm their payments using Pay by Bank? Customers simply select their bank and approve the payment using secure methods like Face ID or fingerprint authentication directly in their banking… 1 min read Features How does Atoa handle reconciliation for payments? Atoa automatically reconciles every payment, whether processed through a Shopify store, Xero invoices, or WooCommerce checkout, ensuring that all… 1 min read Features What should I do if I want to send payment links to customers? You can send secure payment links via SMS or email directly from Atoa to collect payments efficiently, making it easy for customers to pay from… 1 min read

Getting started Can I use Atoa as a sole trader? Unfortunately, as of 10 January 2025, Atoa doesn’t support new signups for sole traders. To use our services, you'll need a Company Number or a… 1 min read Getting started 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… 1 min read Getting started Does the customer need to download an app to pay with Atoa? To pay using Atoa, the customer needs a mobile phone with a banking app registered on it. Atoa payments are automatically opened in the smartphone… 1 min read Getting started How to order in-store QR codes Let’s walk you through the simple steps of ordering in-store QR codes to get started. How do I order a QR code for my store? Once you’ve created your… 2 min read Getting started What is Atoa, and how does it work? Atoa is a UK payment provider that helps businesses accept Pay by Bank and card payments through one simple platform. With Pay by Bank , customers… 3 min read Getting started Do I need to verify my account to order QR codes? Yes, you need to verify your account before placing an order for the Atoa QR kit. 1 min read Getting started How do I start accepting card payments with Atoa? To start accepting card payments with Atoa, you can contact our team at hello@paywithatoa.co.uk. They will guide you through the setup process and… 1 min read Getting started Can I use Atoa for remote payments? Yes, Atoa supports remote payments, allowing customers to pay through online checkout or by links sent via email or SMS, among other methods. 1 min read Getting started How do I get started with Atoa for my business? To get started with Atoa, you can contact their team via email at hello@paywithatoa.co.uk for more information on setting up payment processing… 1 min read Getting started How do I sign up for Atoa? You can sign up via the Atoa Dashboard or download the Atoa Business app on iOS or Android. The application takes about 5 minutes, and there's a… 1 min read

Help and support What happens if there is a dispute with my transaction? Talk to the business or customer first If there is any dispute regarding a transaction reach out to the business. Contact your bank If you are unable… 1 min read Help and support Why did my card payment fail? If your card payment fails, you’ll see an error code against the invoice. Match the error code below to understand why the payment failed and what to… 12 min read Help and support What is a card chargeback and how does it work? What is a chargeback? A chargeback happens when a customer asks their bank to refund a payment made by debit or credit card because they believe the… 2 min read Help and support Card Payment Errors Explained If a card payment fails, you’ll see an error code against the invoice in your Atoa dashboard. Match the error code below to understand why the… 11 min read Help and support Paying in-store with Atoa If you're a customer who’s paying a business using Atoa, this section is for you. Here are answers to common questions about how it works and what to… 3 min read Help and support I paid for something I didn't receive, can I get a refund? Each Atoa payment is a direct bank transfer from the Customer to the Merchant. Atoa is not liable for transactions on its platform, does not handle… 1 min read Help and support Is there a discounted rate for charities? Atoa values the incredible work that charities do. That's why we offer a reduced transaction rate of 0.3% for all UK-registered charities. Pricing… 1 min read Help and support Can I follow Atoa on social media for updates? Yes! You can follow Atoa Payments on a variety of different platforms to keep up to date with our latest features and developments: Youtube-… 1 min read Help and support Can I accept international payments with Atoa? Not currently. As Atoa utilises the UK Faster Payment Service, only payments made via a supported UK Bank Account can be accepted. International… 1 min read Help and support My Atoa Business account application was declined Our UK-based security team carefully reviews each application to protect existing businesses and customers. We understand that being declined for an… 1 min read Help and support How to close your Atoa account Atoa respects your privacy, so we make it easy for you to close your account and delete your data. Steps to delete your account Please send our… 1 min read Help and support My business is seasonal, will my account be closed due to inactivity? Home Help and support My business is seasonal, will my account be closed due to inactivity? Here at Atoa, we understand that every business is… 1 min read Help and support How do I issue a refund using Atoa? You can issue a refund through Atoa by following the refund procedure outlined in our Help Center. If you need further assistance, please refer to… 1 min read Help and support What should I do if I encounter a card payment error? If a card payment fails, check the error code displayed in your Atoa dashboard. Each code corresponds to a specific reason for the failure; refer to… 1 min read Help and support What should I do if my Atoa account application got declined? If your Atoa Business account application was declined, it's typically because our UK-based security team found that it didn't meet our high… 1 min read Help and support What should I do if my customers encounter card payment errors? If a card payment fails, check the error code in your Atoa dashboard for details about the failure. You can then advise your customer based on the… 1 min read Help and support What should I do if a customer's payment was declined? If a payment is declined, ask your customer to contact their bank. Common reasons include a need for verification or technical issues with their… 1 min read Help and support How can I contact Atoa support for help? You can contact Atoa's support by emailing hello@paywithatoa.co.uk. For urgent issues, you can also start a live chat with our support team available… 1 min read Help and support What happens if there's a dispute regarding a transaction? First, talk to the business directly to resolve the issue. If that fails, you can contact your bank for assistance. If you believe a business… 1 min read Help and support Can I get a refund if I didn't receive my order? Atoa is not liable for transactions and does not handle funds, so you need to speak directly to the business for a refund. If they agree, they can… 1 min read Help and support If my business is seasonal, will Atoa close my account due to inactivity? No, Atoa will not delete your account due to inactivity. However, you may receive correspondence from our team to see if you need support. You may… 1 min read Help and support What happens if there’s a dispute regarding a transaction made through Atoa? In case of a dispute, Atoa advises customers to contact the merchant directly since Atoa facilitates payments but does not handle transactions or… 1 min read Help and support What should I do if I can’t resolve a payment dispute? If you cannot resolve a dispute with the business, you should contact your bank for further assistance as Atoa cannot manage disputes directly… 1 min read Help and support Can Atoa handle refunds for payments made through their platform? Atoa does not handle funds and is not liable for transactions. If a customer needs a refund, they must request it directly from the merchant who… 1 min read Help and support What are the consequences if my account is suspected of fraud? If Atoa suspects your account is involved in fraud or related activities, it may suspend access to the services or hold settlement of funds… 1 min read Help and support What should I do if I discover a data breach involving my information? If you discover a data breach affecting your information or that could impact the Atoa platform, you should notify Atoa promptly. Atoa will work to… 1 min read Help and support What happens if I believe I've been a victim of a fraud when using Atoa? If you suspect fraud, contact your bank immediately to raise your concern. Also, reach out to Atoa’s Care Team with details about the transaction so… 1 min read Help and support What should I do if my card machine isn't working? First, check the Wi-Fi signal and restart your terminal. If issues persist, contact the Atoa Support Team via live chat or email, providing your… 1 min read Help and support What cookies does Atoa use on its website? Atoa uses various types of cookies including Necessary, Performance and Analytics, Functionality, and Targeting and Advertising cookies. These help… 1 min read Help and support How do I know if my payment went through? Once you approve the payment in your banking app, you will be redirected to a confirmation screen and will also see the transaction in your bank… 1 min read Help and support What if there's a dispute with my transaction? Try to resolve the issue directly with the business first. If that doesn't work, contact your bank for further assistance. Atoa cannot manage… 1 min read Help and support What should I do if I didn't receive an item I paid for? You should first contact the business directly to resolve the issue. If they agree to refund you, they can initiate the refund back to your bank… 1 min read Help and support How can I contact Atoa support? You can reach Atoa's UK-based support team via email at hello@paywithatoa.co.uk, through live chat available in your Atoa dashboard, or by visiting… 1 min read Help and support What should I do if I paid for goods using Atoa but haven't received them? Contact your bank immediately to raise your concern. You should also reach out to Atoa's Care Team with details of the transaction for further… 1 min read Help and support How do I process a refund for card payments? Refunds for card payments must be processed through the Atoa dashboard. Go to the Payments tab, select the transaction, click Refund, and enter the… 1 min read Help and support What should I do if I notice unauthorized access to my account? You must notify Atoa immediately if you suspect unauthorized access or misuse of your account. It's your responsibility to maintain the… 1 min read Help and support What should I do if I have further questions about Atoa? If you have additional questions, you can contact Atoa support at hello@paywithatoa.co.uk for assistance. 1 min read Help and support What happens if I have a chargeback dispute? You need to contact your bank to raise a chargeback claim. Atoa does not process chargebacks but will notify the merchant and collect supporting… 1 min read Help and support How can I contact Atoa support if I have questions? You can contact Atoa support via email at hello@paywithatoa.co.uk or through live chat available in your Atoa dashboard. 1 min read Help and support What do I do if I need assistance with Atoa? If you need help, you can reach out to our Care Team at hello@paywithatoa.co.uk or use the Live Chat feature on our website. 1 min read

Industry specific Can I use Atoa for my Facebook Marketplace or Gumtree business? Home Industry specific Can I use Atoa for my Facebook Marketplace or Gumtree business? No. Atoa merchants are strictly not permitted to use Atoa for… 1 min read Industry specific Using Atoa in your automotive business How can Atoa help me take payments for vehicles, servicing, or repairs? Atoa helps dealerships and garages take payments quickly and securely,… 4 min read Industry specific Using Atoa for online and ecommerce payments How does Atoa work for online businesses? Atoa lets you add Pay by Bank and card payments as options at your online checkout, giving customers the… 3 min read Industry specific Using Atoa in hair and beauty businesses How does Atoa work for salons and clinics? Atoa helps salons and beauty clinics take instant bank payments and card payments in one place, whether… 2 min read Industry specific Using Atoa in clinics and healthcare practices How does Atoa work for clinics? Atoa helps dental practices, vet clinics, physiotherapists, and other healthcare providers take instant payments and… 3 min read Industry specific Using Atoa in bars and restaurants Can I add Atoa to my point-of-sale system? Yes. Atoa integrates with leading hospitality POS systems, including Tevalis, Kurve, pointOne, and more,… 4 min read Industry specific Can my reception team take payments using Atoa? Yes, you can add your reception team to Atoa and assign roles based on their access needs, including Cashier, Supervisor, and Admin roles. 1 min read Industry specific How can I add Atoa to my point-of-sale system? You can integrate Atoa with leading hospitality POS systems like Tevalis and Kurve. If your system isn't listed, inform your provider, and we will… 1 min read Industry specific How do I order a new QR code stand for in-store payments? You can order a new QR stand for free through the Atoa Business app or dashboard under 'My Account' -> 'QR Code settings' -> 'Order Now'. 1 min read Industry specific How can I collect more Google reviews using Atoa? When a customer pays through an Atoa payment link, they are prompted to leave a Google review automatically. You can control this feature in your… 1 min read Industry specific Do patients need to download anything to use Atoa? No, patients do not need to download an app. They can pay by scanning a QR code or clicking on a payment link to use their Bank app or card. 1 min read Industry specific How do I handle payments for high-value treatments? You can accept partial payments by collecting a deposit initially, taking interim payments before procedures, and requesting the final balance once… 1 min read

Integrations How to Connect QuickBooks with Your Atoa Account Connecting your QuickBooks account to Atoa is a great way to simplify how you send invoices and keep track of payments. Here’s how to get started,… 3 min read Integrations Can I use Atoa with my point-of-sale system? Yes , we are currently fully integrated with Tevalis , pointOne , TillTech , Keyloop , VDIT , Haswent , and Kurve . We are working on more POS… 1 min read Integrations Does Atoa integrate with accounting software like Xero, Sage, or QuickBooks? Home Integrations Does Atoa integrate with accounting software like Xero, Sage, or QuickBooks? Yes, Atoa easily integrates with accounting platforms… 1 min read Integrations How to connect Atoa with Epos Now Why use Atoa instant payments with your Epos Now system? Get paid fast, keep your customers happy Money in your account straight away: Atoa means you… 3 min read Integrations Introducing Atoa Pay by Bank for Shopify Atoa lets you accept secure, bank-to-bank payments on your Shopify store. It’s quick to set up and can help you save on payment fees while improving… 1 min read Integrations How do I manage payment methods after installing Atoa on Shopify? Home Integrations How do I manage payment methods after installing Atoa on Shopify? Once you’ve installed Atoa on your Shopify store, we recommend a… 1 min read Integrations How do I connect Atoa to Dentally? There are four ways to use Atoa with Dentally: Atoa dashboard – Send payment links and manage payments directly from your Atoa account Chrome plugin… 5 min read Integrations How to connect Atoa-Pay by Bank with your Shopify account Integrating Atoa with your Shopify store lets your customers pay you directly through their bank app, quickly, and securely. Follow these steps to… 3 min read Integrations How to connect Atoa and Xero for instant invoice payments Swap expensive card fees and slow bank transfers to get paid instantly from your customers' UK bank accounts. Our Xero integration takes under a… 5 min read Integrations Can I use Atoa for e-commerce payments? Use Atoa with WooCommerce for WordPress for instant online payments Atoa is now fully integrated with WooCommerce for WordPress. To get started:… 1 min read Integrations What do I need to do to start accepting payments with Atoa on Shopify? To accept payments with Atoa on Shopify, you need to install the Atoa Payments app, connect your bank account, and ensure that the Payouts feature is… 1 min read Integrations Does Atoa integrate with WooCommerce for online payments? Yes, Atoa is fully integrated with WooCommerce for WordPress, allowing you to accept instant online payments by registering with Atoa Business and… 1 min read Integrations How can I disconnect Atoa from my Shopify account? To disconnect Atoa from Shopify, go to your Atoa dashboard, navigate to "Settings" > "Integrations", find Shopify, click "Manage", and then select… 1 min read Integrations How can I link my in-store QR codes with Atoa? To link your QR codes, go to 'Settings' on your dashboard, select 'Manage QRs', click 'Link QR code', and follow the prompts to enter the QR… 1 min read Integrations Can I customize the payment method names after installing Atoa on Shopify? Yes, you can rename payment methods after installing Atoa on Shopify. You would need to use the BeSure Checkout Rules plugin to manage and rename… 1 min read Integrations How do I install the Atoa Payment app on Shopify? To install the Atoa Payments app on Shopify, go to your Atoa dashboard, click on 'Integrations', then 'Set up now' under the Shopify option. Click… 1 min read Integrations Which platforms does Atoa integrate with? Atoa currently supports integration with eCommerce platforms like Shopify, WooCommerce, Magento, and WordPress, as well as accounting platforms like… 1 min read Integrations How do I integrate Atoa with my eCommerce platform? To integrate Atoa with your eCommerce platform like Shopify, WooCommerce, or Magento, you need to register with Atoa Business, download the… 1 min read Integrations What website checkout systems does Atoa integrate with? Atoa integrates with platforms like Shopify, WooCommerce, Magento, and WordPress using simple plugins. You can get started without needing a… 1 min read Integrations Is there an API available for custom integrations with Atoa? Yes, Atoa offers a payment gateway API integration for custom builds, allowing you to connect directly if you need a bespoke solution. 1 min read Integrations Can I accept credit card payments online? Yes, Atoa integrates with platforms like Shopify, WooCommerce, WordPress, and Magento, allowing you to accept card payments through your existing… 1 min read Integrations How does Atoa’s Xero payment integration work? Atoa’s Xero integration allows you to add a 'Pay now' button to your Xero invoices. Customers can pay directly from their bank app, and invoices will… 1 min read Integrations How do I enable API access for my Atoa account? To enable API access, go to the Settings in your Atoa account, select API Access, choose your environment (Sandbox or Production), enter a redirect… 1 min read Integrations How can I manage third-party software integrations with Atoa? You can enable third-party software integrations via the Atoa Platform's integration settings. This allows Atoa to exchange data with the third-party… 1 min read Integrations What platforms does Atoa integrate with for payment processing? Atoa integrates with several popular platforms including eCommerce platforms like Shopify, WooCommerce, Magento, WordPress, accounting tools like… 1 min read Integrations Is Atoa's integration with Xero certified? Yes, Atoa is a Xero App Store partner and the integration is fully certified. It takes only a few minutes to set up and is supported by both Atoa and… 1 min read

Legal and compliance I’ve paid for goods using Atoa which I haven’t received Home Legal and compliance I’ve paid for goods using Atoa which I haven’t received Authorised Push Payment (APP) Fraud You may have been impacted by… 1 min read Legal and compliance Data Subject Access Requests Atoa respects your privacy. Please contact our Care Team at hello@paywithatoa.co.uk with the email subject title “Data Subject Access Request”. We'll… 1 min read Legal and compliance Shopping on Facebook Marketplace Atoa advises consumers to not pay Atoa links sent from Facebook Marketplace merchants. Atoa merchants are strictly not permitted to use Atoa for… 1 min read Legal and compliance Is Atoa FCA authorised? Yes. Atoa Payments Limited is authorised by the UK Financial Conduct Authority (FCA) as an Authorised Payment Institution . We are permitted to… 1 min read Legal and compliance How can I make a complaint? Atoa is committed to providing you with the best service we possibly can, so if you have a suggestion for how we can improve, or you are disappointed… 1 min read Legal and compliance Updates to Our Terms, Privacy & Cookie Policy Why have we updated our terms? We last updated them back in 2023. Now, Atoa has become an Authorised Payment Institution, which means we need to… 1 min read Legal and compliance How can I manage my cookie preferences on Atoa's website? You can manage your cookie preferences using the cookie banner when you first visit the site. You can also change your browser settings to block or… 1 min read Legal and compliance How does Atoa ensure I can control my cookie consent? Atoa allows you to manage your cookie consent directly through the cookie banner on their website and offers a way to change or withdraw consent any… 1 min read Legal and compliance What personal data does Atoa collect from me? Atoa collects various types of personal data including Identity Data (name, title, date of birth), Contact Data (addresses, email), Financial Data… 1 min read Legal and compliance How does Atoa ensure my personal data is secure? Atoa employs several security measures including data encryption, secure server storage, and compliance with data protection laws such as being… 1 min read Legal and compliance How does Atoa use my personal data? Atoa uses your personal data primarily to provide services and manage your account. They may also use it for marketing communications, service… 1 min read Legal and compliance What should I do if I want to withdraw my consent for Atoa collecting my data? You can withdraw your consent at any time by contacting Atoa at hello@paywithatoa.co.uk. Withdrawal of consent won't affect the legality of any… 1 min read Legal and compliance Can I ask Atoa to delete my personal data? Yes, you have the right to request the deletion of your personal data if there is no longer a valid reason for processing it. However, Atoa may have… 1 min read Legal and compliance What should I do if I want to access my personal data held by Atoa? You have the right to request access to your personal data by submitting a request to Atoa. They usually respond within 4 weeks but may ask for… 1 min read Legal and compliance How secure is Pay by Bank for customers? Pay by Bank uses secure methods like Face ID and fingerprint authentication in customers' Bank apps. Atoa also follows Strong Customer Authentication… 1 min read Legal and compliance Can I withdraw my consent for Atoa to process my data? Yes, you can withdraw consent for Atoa to access your account data for Account Information Services (AIS) at any time via the Platform settings or by… 1 min read Legal and compliance What is the role of Atoa under the Terms of Service? Atoa acts as a provider of regulated payment services, specifically Payment Initiation Services (PIS) and Account Information Services (AIS), but is… 1 min read Legal and compliance What actions should I take if I have concerns about Atoa's processing of my personal data? You can contact Atoa directly to address your concerns, or if unresolved, you can lodge a complaint with the Information Commissioner's Office (ICO)… 1 min read Legal and compliance How secure is Atoa’s card payment processing? Atoa's card payments are PCI DSS compliant and use point-to-point encryption, adhering to standards used by major financial institutions. We are also… 1 min read Legal and compliance Is Atoa's Privacy Policy updated regularly? Yes, Atoa keeps their Privacy Policy under regular review and may update it from time to time. Any changes will be posted on their platform. 1 min read Legal and compliance Is Atoa’s integration with Shopify regulated? Yes, Atoa is a fully regulated payment gateway, authorized by the Financial Conduct Authority (FCA). All Pay by Bank transactions follow UK Open… 1 min read Legal and compliance How does Atoa ensure data protection? Atoa implements technical and organizational measures to protect personal data and acts as a data processor on your behalf while ensuring compliance… 1 min read Legal and compliance How could fraud affect my use of Atoa's services? If a customer is a victim of fraud related to a payment made via Atoa, there is a risk that the funds might be reclaimed. You agree to fully… 1 min read Legal and compliance Is Atoa secure for processing payments? Yes, Atoa is FCA authorised and maintains security certifications like ISO-27001 and SOC2. It uses secure SSL technology for all transactions. 1 min read Legal and compliance What is Atoa's legal status? Atoa is authorized by the Financial Conduct Authority (FCA) under the Payment Services Regulations 2017 as an Authorised Payment Institution to… 1 min read Legal and compliance How secure is Atoa’s checkout payment gateway? Atoa’s checkout is highly secure, with Pay by Bank payments authorized directly in the customer’s bank app using Strong Customer Authentication. Card… 1 min read Legal and compliance What should I expect from Atoa's data collection practices? Atoa uses cookies to collect information to personalize content, provide social media features, and analyze traffic. They do not sell or share your… 1 min read Legal and compliance How does Atoa ensure the security of my data? Atoa implements technical and organizational measures to protect personal data, processes it per your instructions as needed to provide services, and… 1 min read Legal and compliance How does Strong Customer Authentication work within Atoa? Strong Customer Authentication is built into every bank-app payment made through Atoa, requiring at least two independent checks to verify online… 1 min read Legal and compliance Is Atoa FCA authorized? Yes, Atoa Payments Limited is authorized by the UK Financial Conduct Authority (FCA) as an Authorized Payment Institution and is permitted to provide… 1 min read Legal and compliance What does it mean that Atoa payments do not support traditional chargebacks? This means that Atoa’s Pay by Bank transactions provide additional protection for businesses against disputed payments, as these transactions do not… 1 min read Legal and compliance What are the terms of service I agree to when using Atoa? When you use Atoa's services, you agree to the Terms of Service, which outline the rights and obligations of both you and Atoa. You must read and… 1 min read Legal and compliance What is the definition of 'Payment Initiation Service' according to Atoa? The 'Payment Initiation Service' (PIS) is a service that allows you to initiate a payment order at the request of a user from their account held at… 1 min read Legal and compliance What happens if I disable certain cookies on Atoa's website? Disabling certain cookies may limit your access to some features of the Services, so you may not have a complete experience on the site. 1 min read Legal and compliance What can I do if I have questions about Atoa's Cookie Policy? If you have any questions about Atoa's Cookie Policy, you can contact them via email at hello@paywithatoa.co.uk, or use the live chat feature on… 1 min read Legal and compliance How long will Atoa keep my personal data? Atoa will retain your personal data for as long as necessary to provide their services and to comply with legal or regulatory requirements.… 1 min read Legal and compliance What types of cookies does Atoa use on their website? Atoa uses several types of cookies, including: 1. Necessary Cookies — Essential for site operation. 2. Performance and Analytics Cookies — Collect… 1 min read Legal and compliance Do I need to give consent for the Atoa Pay app? Yes, you need to indicate your consent to process your personal data upon installing the Atoa Pay app or the Atoa Business app. 1 min read

Pay Later How does Atoa Pay Later work? Atoa Pay Later lets your customers spread the cost of a purchase over 3, 12, or 24 monthly instalments, on purchases from £500 to £10,000. Your… 8 min read

Payments Is there a limit on how much I can receive for a single transaction? Home Payments Is there a limit on how much I can receive for a single transaction? Yes, the limit per transaction is £15,000 due to AML regulation.… 1 min read Payments Can I accept debit card payments on Atoa? Yes, you can. Atoa now supports both debit and credit card payments issued by VISA and Mastercard . That said, Atoa is primarily a Pay by… 1 min read Payments Why am I not receiving payment notifications? If you’re not getting payment notifications from Atoa, don’t worry, you can follow these steps to fix it. If you’re using Google Chrome Click the… 2 min read Payments What is Pay by Bank? Pay by Bank is a secure way for customers to pay a business directly from their bank account. Instead of entering card details, the payment is… 3 min read Payments How payment links work What are payment links? SMS payment links are shareable links that let customers make payments from their devices. They make remote payments more… 2 min read Payments My card settlement is delayed, why? What is Settlement? “Settlement” is when Atoa pays out funds to your nominated business bank account. The timing of settlement depends on the payment… 2 min read Payments How to use Atoa for payments Atoa helps UK businesses accept both Pay by Bank and card payments in one simple platform. With Pay by Bank, customers pay directly from their… 2 min read Payments My Pay by Bank settlement is delayed, why? What is Settlement? “Settlement” is when Atoa pays out funds to your nominated business bank account. The timing of settlement depends on the payment… 1 min read Payments Do you support MOTO payments? No. Atoa does not support Mail Order or Telephone Order (MOTO) card payments. What is a MOTO payment? A MOTO payment is a card-not-present… 2 min read Payments How to enable API access Ready to start accepting payments on your platform? You can easily enable your API access through your Atoa business app or dashboard. Let’s get… 1 min read Payments How Atoa in-store QR code payments work Scan, pay, go. It's that simple with Atoa's in-store QR codes . Upgrade your in-store experience, make your customers happy, and boost your bottom… 2 min read Payments How to link and manage in-store QR codes Whether you’re running one shop or many, it’s easy to link the physical QR codes to your Atoa business account or active integration. Why should I… 3 min read Payments How to view your payment history If you want to see how many payments your business has accepted with Atoa, head to My Account and Analytics to view your transaction history. This… 1 min read Payments How do I turn on my notifications for the Atoa Business dashboard? In order to receive notifications, please enable them on your dashboard by following: My Account==>Settings==> press the toggle to enable… 1 min read Payments Are there any risk of chargebacks on Atoa? Pay by Bank does not support chargebacks, but APP regulations do apply... Pay by Bank payments cannot be charged back. Each payment is authorised… 1 min read Payments Can I request a single payment limit over £15,000? Atoa has a standard payment limit of £15,000 per transaction. This limit can be increased to £25,000 for approved businesses after providing… 1 min read Payments What to do when customers payments are declined Declined payments are rare, but we understand it can be inconvenient for you. Read on to find out how this can be resolved. Why was my customer's… 1 min read Payments How to refund customers with Atoa This article is for businesses using Atoa Instant Settlement. For customers using Atoa Payouts (End of Day Settlement) please click here . To refund… 1 min read Payments How invoice payments work Why are Atoa invoice payments good for business? Connect your accountancy software to Atoa and let clients pay invoices instantly from their bank… 1 min read Payments How QR code receipt payments work What is a QR code receipt? A QR code receipt is an easy way for bars or restaurants to accept payments from customers when you hand them the bill.… 1 min read Payments What are Payment Pages? Payment Pages let you accept and manage payments from multiple customers, all in one place. You can collect customer details, share a single link or… 1 min read Payments Why is Atoa not liable for transaction refunds? Atoa facilitates payments through a direct bank transfer from the customer to the merchant and does not handle funds. This means that once a payment… 1 min read Payments What do I do if I paid for something I didn’t receive? Start by directly contacting the business to discuss the issue. If they agree to refund you, they can process the refund straight to your bank… 1 min read Payments What are the steps to issue a refund for a payment? To issue a refund: access the ‘Payments’ section on your dashboard, select the payment, click ‘Refund Amount’, choose the refund type, enter the… 1 min read Payments What is the difference between a void and a refund in Atoa? A void is used to return funds to the customer before settlement, typically on the same day as the purchase. Refunds can only be processed through… 1 min read Payments How do I void a card payment on the Atoa terminal? To void a card payment on the terminal, swipe left on the screen, select Void, enter your merchant passcode, select the transaction, and tap Void. A… 1 min read Payments How do I refund a card transaction through the Atoa Web Dashboard? To refund a card transaction, sign in to the Atoa Dashboard, go to the Payments tab, select the transaction, click Refund, enter the amount (full or… 1 min read Payments Can I cancel a refund after submitting it? Yes, you can cancel a refund within 30 minutes of submitting it by selecting the applicable transaction and clicking 'Cancel Refund'. 1 min read Payments What should I do if I want to refund a transaction that has already settled? Refunds for transactions that have already settled must be processed through the Atoa Web Dashboard or the Atoa Business mobile app, as terminal… 1 min read Payments Can I accept payments through invoice payments with Atoa? Yes, Atoa allows you to connect your accountancy software like Xero to send invoices. Clients can pay instantly from their bank apps using a 'Pay… 1 min read Payments What happens after my customer pays through Atoa? Once the payment is made, you’ll receive a real-time notification. For Pay by Bank, funds typically arrive within seconds, while card payments follow… 1 min read Payments Do you offer a discounted rate for charities using Atoa? Yes, Atoa offers a reduced transaction rate of 0.3% for all UK-registered charities. You will need to provide your UK charity number during… 1 min read Payments How do I request a refund for a customer? To refund a customer, go to the ‘Payments’ section in your Atoa dashboard, select the payment, click 'Refund Amount', choose the refund type, enter… 1 min read Payments Can I request a larger payment limit than £15,000? Yes, you can request an increased limit up to £25,000 for approved businesses. You'll need to email Atoa with necessary verification details to get… 1 min read Payments Does Atoa support instant payments? Yes, Atoa supports instant payments through the Pay by Bank feature, which allows customers to pay directly from their banking app, typically within… 1 min read Payments How does billing work with Atoa? Billing depends on your customers' payment method: with Pay by Bank, you receive 100% of the payment upfront, and Atoa's fees are charged monthly via… 1 min read Payments How do I keep track of my monthly bill with Atoa? You can monitor your billing through the Atoa app or dashboard at any time. Your monthly invoice will reflect your current plan and charges. 1 min read Payments What if I suspect I've been billed incorrectly? If you think there's an error on your bill, reach out to us at hello@paywithatoa.co.uk, and we'll investigate it promptly. 1 min read Payments How fast are Pay by Bank payments? Pay by Bank payments are typically instant, with funds arriving in your business account within seconds. For larger businesses, payouts may be… 1 min read Payments What are the benefits of using Pay by Bank for my business? Using Pay by Bank can lead to lower payment fees, faster settlements, bank-level security, and reduced fraud. It's especially efficient for… 1 min read Payments How does Atoa ensure lower fees for businesses? Atoa charges lower fees compared to traditional card payments, with pricing starting at 0.6% per transaction, allowing businesses to save… 1 min read Payments What is a Virtual Account and how does it work? A Virtual Account is a safeguarded bank account provided by ClearBank, assigned for holding and distributing the proceeds of transactions processed… 1 min read Payments What are the fees for using Atoa with Xero? Atoa charges 0.6% + 20p per transaction for Pay by Bank payments, capped at £5, making it cost-effective for larger invoices. Card payments are… 1 min read Payments Can customers pay by card through Atoa on their invoices? Yes, customers can pay by card if card payments are enabled on your Atoa account. When they click the ‘Pay now’ button on the invoice, they will see… 1 min read Payments How is card payment pricing structured on Atoa? Card payment pricing starts from 1.3% per transaction for UK domestic debit and credit cards. Rates vary based on card type, business size, and… 1 min read Payments What should I do if I want to provide a refund to a customer? You must initiate refunds through Atoa’s Platform, ensuring that the refund is returned to the same payment source from which the original… 1 min read Payments How are fees determined for Atoa services? Fees for Atoa services are specified in your Order Form and may include subscription fees, transaction fees, and any add-on fees. Atoa will notify… 1 min read Payments How does Atoa handle late payments or unpaid fees? If you fail to pay any undisputed fees within 14 days of the Payment Date, Atoa may charge interest on the overdue sum, and you may be liable for… 1 min read Payments What is the pricing structure for Pay by Bank on Atoa? Atoa’s Pay by Bank pricing starts at 0.6% per transaction plus a small authorisation fee, and it can be tailored for businesses processing over… 1 min read Payments What payment methods can I offer with Atoa? With Atoa, you can accept debit and credit cards including Visa, Mastercard, and American Express, as well as digital wallets like Apple Pay and… 1 min read Payments Can I issue refunds through Atoa? Yes, you can issue refunds directly from your Atoa dashboard or Business app. You can process full or partial refunds as needed, but once processed,… 1 min read Payments Are there any fees for customers using Atoa? No, Atoa is completely free for customers to use. Only businesses pay fees for transaction processing. 1 min read Payments How are fees structured for the services I use with Atoa? Fees for Atoa services may include a subscription fee, transaction fees, and any add-on fees for optional services. These are specified in your Order… 1 min read Payments How is Pay by Bank priced on Atoa? Atoa's Pay by Bank pricing starts at 0.6% per transaction, with custom pricing available for businesses processing over £50,000 a month. 1 min read Payments Are there any charges for using Atoa with Xero invoices? Atoa charges for Pay by Bank at 0.6% + 20p per transaction, capped at £5, while card payments are 1.2% + 20p per transaction. Pay by Bank is… 1 min read Payments Can customers pay by card on Xero invoices through Atoa? Yes, if card payments are enabled on your Atoa account, customers will have the option to pay by card when they click the Pay now button on their… 1 min read Payments Why might businesses prefer Pay by Bank over traditional card payments? Many businesses prefer Pay by Bank because it offers lower fees, faster settlement times, enhanced security, and no chargebacks, making it a… 1 min read Payments What banks support the Pay by Bank feature? Most major UK banks support Pay by Bank, including Barclays, HSBC, Lloyds Bank, NatWest, Santander, Monzo, and Starling Bank. 1 min read Payments Is there a transaction limit when using Atoa? Yes, the standard transaction limit is £15,000. You can request an increase to £25,000 for approved businesses, but some banks may not support… 1 min read Payments Can I accept payments in-store with Atoa? Yes, you can accept in-store payments by displaying a QR code that customers scan with their phones, allowing them to pay quickly and securely using… 1 min read Payments How do I send payment links to my customers using Atoa? Log into the Atoa Business Dashboard or app, go to the 'Links' icon, and click 'New Link'. Enter the amount, customer details, and any optional… 1 min read Payments How quickly are payments confirmed with Atoa? Payments through Atoa’s system are confirmed in real time. Pay by Bank payments typically arrive in seconds, while card payments vary based on… 1 min read Payments How quickly are Pay by Bank payments received? Pay by Bank payments are usually confirmed instantly once the customer approves the payment in their banking app. Funds are sent directly from the… 1 min read Payments Can customers use Pay by Bank in different ways? Yes, customers can pay using Pay by Bank through various methods, including payment links sent via SMS or email, QR codes in-store, online checkout… 1 min read

Payouts (End of Day) Why do I need the Payouts feature to use Atoa with Shopify? Home Payouts (End of Day) Why do I need the Payouts feature to use Atoa with Shopify? Shopify requires the ability to process instant refunds… 2 min read Payouts (End of Day) How do I sign up for payouts? Please note, this feature is available only to businesses using our 'Payout' service that payouts funds at end of day and makes refunds easier. You… 1 min read Payouts (End of Day) How do I issue a refund to a customer? Please note, this answer is for businesses using our 'Payout' service that processes refunds through end-of-day settlements each day. Click on the… 1 min read Payouts (End of Day) What is Payouts? Please note, this feature is available only to businesses using our 'Payout' service which provides an end of day settlement facility to businesses… 2 min read Payouts (End of Day) I have a question regarding a specific payout? Please note, this feature is available only to businesses using our 'Payout' service that provides end-of-day settlements to businesses. Get in touch… 1 min read Payouts (End of Day) Can employees issue refunds using Atoa? Yes, employees can issue refunds, but you need to assign them role permissions first. This requires upgrading from a Basic plan to either the Growth… 1 min read Payouts (End of Day) What happens if I want to stop using the Aggregation Services? If you wish to stop using the Aggregation Services, you must inform Atoa and obtain confirmation. Downgrades will typically take effect at the start… 1 min read Payouts (End of Day) How does Atoa safeguard funds in the Virtual Account? Funds received by Atoa into the Virtual Account on your behalf are safeguarded according to regulatory obligations, which means they are held in… 1 min read Payouts (End of Day) What happens if I need to refund a customer? You are responsible for initiating and executing customer refunds through Atoa. Refunds must be processed back to the original payment source, and… 1 min read Payouts (End of Day) What happens if my refund requests exceed my transaction amounts? If your refunds and fees exceed your transaction amounts in a settlement period, no payout will be made for that period. The shortfall amount will… 1 min read Payouts (End of Day) Can I change my Nominated Bank Account for settlements? Yes, you can change your Nominated Bank Account, but Atoa will run a Confirmation of Payee check to ensure the account's name matches your business… 1 min read Payouts (End of Day) What should I do if a payment I received is later reversed? If a payment is reversed, you will be informed by Atoa, and if you've already received the funds for that transaction, you will need to return those… 1 min read Payouts (End of Day) What happens if there is a payment reversal by a bank? If a bank reverses or recalls a payment, Atoa will notify you and the amount may be deducted from your future settlements or invoiced to you for… 1 min read Payouts (End of Day) How are payments settled with Atoa? Payments processed through Atoa are typically settled to your designated bank account at the end of each business day, minus any refunds and… 1 min read Payouts (End of Day) How quickly do payments get settled with Atoa? Payments through Atoa are settled directly into your bank account within 48 hours, improving cash flow for your business. 1 min read Payouts (End of Day) How quickly can I expect payments to settle with Atoa? Pay by Bank transactions typically settle instantly into your business account, while larger businesses on payout schedules usually receive funds the… 1 min read Payouts (End of Day) What happens if my account shows a negative balance due to refunds? If your refunds exceed your transactions during a period, no payout will be made until future transactions cover the shortfall. You are responsible… 1 min read Payouts (End of Day) What is the Virtual Account and how does it work with Atoa's services? The Virtual Account is a safeguarded bank account provided by ClearBank to Atoa that holds and distributes the proceeds of transactions processed for… 1 min read Payouts (End of Day) What happens if I enter the wrong bank account details for payout? If you provide incorrect bank account details, Atoa is not responsible for settlement payments sent to the wrong account. It is your responsibility… 1 min read Payouts (End of Day) Can I cancel a refund request once I've initiated it? You can cancel a refund request within a short grace period (e.g., 30 minutes) after initiation on the Atoa Platform. After this period, once the… 1 min read Payouts (End of Day) How does Atoa process refunds initiated by me? You are responsible for initiating and executing refunds through the Atoa Platform. If you initiate a refund via the Virtual Account, Atoa will… 1 min read Payouts (End of Day) Can a refund be canceled once it has been executed? No, once a refund has been executed via the Virtual Account, it cannot be undone. If you need to cancel a refund, you may do so within a short grace… 1 min read Payouts (End of Day) When do I get paid after a customer makes a payment? For Pay by Bank, funds typically settle instantly for small businesses, while larger businesses can expect next working day payouts. Card payments… 1 min read Payouts (End of Day) How does Atoa handle refunds that I initiate? You are responsible for initiating refunds for any transactions. If you use Atoa's platform to execute a refund, it will process that instruction as… 1 min read Payouts (End of Day) How can I check the status of my payouts? To check the status of your payouts, go to the ‘Payouts’ tab in the sidebar of your Atoa dashboard. You'll see a list of recent payouts with their… 1 min read Payouts (End of Day) What should I do if I need to edit my bank account details? Navigate to ‘Settings’ in the sidebar, tap the ‘Bank account’ tab, click ‘Edit’, enter your new bank details, and hit ‘Update details’. You'll… 1 min read Payouts (End of Day) How do I receive settlements from Atoa? Settlements from Atoa typically occur at the end of each UK business day for all payments received into the Virtual Account since the last… 1 min read Payouts (End of Day) How long does it take for a refund to show in my customer's bank account? Refunds usually appear in your customer’s bank account within 30 minutes of processing. If they don’t see it, they should contact their bank with the… 1 min read Payouts (End of Day) What happens if there's a payment error or if a payment is reversed? If Atoa or ClearBank detects that funds have been incorrectly credited or a payment has been recalled, they may debit the Virtual Account… 1 min read Payouts (End of Day) What are the risks associated with using the Aggregation Services? When using the Aggregation Services, there is a risk of payment reversal by banks, potential for APP fraud, and compliance-related holds. Atoa is not… 1 min read Payouts (End of Day) What should I do if my card settlement is delayed? If your card settlement is delayed, first remember that card settlements only occur on business days and may be affected by various factors such as… 1 min read Payouts (End of Day) How are transaction refunds processed with Atoa? When you initiate a refund through Atoa, the refund amount is deducted from your Virtual Account and returned to the customer's bank account. Refunds… 1 min read Payouts (End of Day) How quickly do I get paid with Atoa? With Pay by Bank, funds are typically paid out instantly to your business bank account. For card payments, the settlement depends on your existing… 1 min read