Home Payments What is Pay by Bank?

What is Pay by Bank?

Last updated on Apr 11, 2025

Pay by Bank is a secure, direct way to pay a business straight from your bank account in a few taps. It skips the faff of typing in card details or doing a manual transfer.

How does paying by bank work?

It’s simple! Select the bank you want to make a payment. You’ll be taken to your bank app or internet banking portal. Sign in, secure and approve your payment directly with your bank.

How is my data protected?

When you make a payment through Atoa, you do so directly from your bank app, ensuring that your account details are never shared or exposed. Atoa does not store your sensitive information, such as bank account details or personal identification data.

Is Pay by Bank safe?

Yes, it allows you to accept payments through customers’ bank apps and uses unique security features like face or fingerprint confirmation, reducing the risk of fraud and chargebacks.

How much does it cost my business?

Fees can be much lower than card payments, which boosts your bottom line and can help increase profits.

Can I pay by card or manual transfer?

Card payments aren’t supported on Atoa. The great news is, you don’t need to use manual transfers either! Atoa uses secure, instant bank payments, so the money goes directly from your bank account.