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 Atoa transaction is processed in the customer's bank app. Funds are then sent directly to the merchant's linked bank account, making it fast and secure.
Atoa does not have access to your funds at any time.