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 banking app using secure open banking technology. Funds are typically received within seconds.
You can also enable card payments (including Visa, Mastercard, American Express, Apple Pay, and Google Pay), giving your customers the flexibility to pay how they prefer.
How customers pay you using Atoa
Atoa supports payments across in-person, remote, and online channels.
1. Scan a QR code
Customers can pay you in person by scanning your Atoa QR code.
How it works:
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The customer scans your QR code using their smartphone
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They select their bank
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They approve the payment securely in their banking app using Face ID, fingerprint, or passcode
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The money is sent directly from their bank to yours, often within seconds
2. Use a payment link or invoice
You can send payment links remotely by SMS or email, or add a Pay now button to invoices.
How it works:
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You send the customer a payment link by SMS or email, or through an invoice
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The customer opens the link and chooses how they want to pay
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For Pay by Bank, they approve the payment in their banking app
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For card payments, they enter their card details as usual
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You receive confirmation as soon as the payment is made
This works well for invoice payments sent through platforms such as Xero, QuickBooks, and Sage.
3. Take card payments
If card payments are enabled on your account, customers can also pay by card.
How it works:
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Customers can tap, insert, or enter their card details depending on the payment method
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Payments are processed securely through Atoa
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Card payments follow your agreed payout schedule
4. Accept payments through your online checkout
Atoa can also be used on ecommerce websites, so customers can pay you online at checkout.
Supported platforms include:
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Shopify
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WooCommerce
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WordPress
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Magento
How it works:
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The customer adds items or services to their basket
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They go to checkout on your website
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They choose their preferred payment method, such as Pay by Bank or card
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For Pay by Bank, they select their bank and approve the payment securely
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For card payments, they complete the checkout using their card details
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You receive the payment and can track it in your Atoa dashboard
What happens after payment
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You’ll receive a real-time notification as soon as the customer pays
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Pay by Bank payments typically arrive within seconds
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Larger businesses can opt for end-of-day payouts, where transactions are grouped into one payout every 24 hours
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Card payments follow your agreed payout schedule
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All payments are tracked in one dashboard, making reconciliation easier
Get started
You can book a free demo with our UK-based team for a guided walkthrough, or contact us at hello@paywithatoa.co.uk.