Pay instantly and securely in-store with Atoa using your UK bank app
Atoa is a new way to pay that uses Open Banking, allowing customers to make payments to your business directly from their existing UK bank app. It's like making an instant bank transfer, but without sharing sensitive card details.
We call this "Instant Bank Pay" but the official term is “account-to-account payments”.
What Atoa offers to business owners
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A cardless solution that saves you up to 50% compared to card payments! Pricing starts at 0.6% + VAT per transaction and falls with higher volumes.
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Accept payments in-store and remotely.
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Instant bank pay deposit payments into your linked account in seconds, giving your business instant cash flow. Say goodbye to waiting days (or even weeks) to get paid by your card provider.
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There's no need to download anything. Customers scan a QR code or click a link to pay with their bank app.
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Grow your business with a modern and secure payment solution that works for you.
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No hardware or device rental.
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Atoa is trusted by 1000s of UK businesses and we’re rated Excellent on Trustpilot.
How Atoa works
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Display your Atoa QR stand or send a payment link.
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Customers scan the QR code with their smartphone camera or click the link from their smartphone.
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They select a bank from the list and approve the payment securely from their bank app using a face or fingerprint scan.
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Done! You receive a notification that your payment has been completed instantly and securely. Funds are deposited into your linked business account within seconds.
Learn more
Visit our website.
Read our article about Open Banking.
Watch our YouTube video on how Atoa works: Slash your payment fees | Atoa