We operate under a UK Financial Conduct Authority license held by our partner Yapily Connect Limited. Yapily Connect Limited is regulated by the UK Financial Conduct Authority under the Payment Services Regulations 2017 as an Authorised Payment Institution to provide account information services and payment initiation services (License #827001).
Every payment with Atoa is processed by the paying Consumer's Bank and funds travel directly from the Consumer's Bank to the Merchant's Bank making it fast and secure.
Atoa does not have access to your funds at any time.