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Can I accept debit card payments on Atoa?

Last updated on Oct 08, 2025

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 Bank–focused solution. Our platform is built on secure, instant bank payments that move money directly from your customer’s bank account into yours, helping you get paid faster and avoid high card fees.

Customers scan a QR code in-store or click on a payment link, select their bank from the provided list, and confirm the payment in their mobile banking app. The money is then instantly transferred into the business owner's linked account, skipping the 2-3 days delay in releasing funds and saving businesses up to 50% compared to card payments.

For a complete payment experience, we also offer card payments as part of our full-stack offering. If this feature is enabled on your account, customers will see ‘Card payment options’ listed as a payment method during checkout.

If you’d like to know more or enable card payments for your business, please contact our Care Team for details.