What is Settlement?
“Settlement” is when Atoa pays out funds to your nominated business bank account.
The timing of settlement depends on the payment method (Pay by Bank or card payments) and the terms agreed in your order form.
Pay by Bank (Instant Settlement)
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Funds are typically received within one minute of payment confirmation.
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In some cases, the customer’s bank may delay the payment for manual review (especially if it's a larger payment). If this happens, don't worry, your funds are safe, and both the customer and your staff will be notified once the funds have settled.
Pay by Bank (End of Day Payouts)
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Funds are paid out the following day, usually around 03:00am GMT.
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If funds have not arrived by 09:00am GMT, our Care Team will proactively contact you.
Accessing support on settlement issues
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You can view settlement details by visiting the Card payouts section within your Atoa dashboard.
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If you need additional support, please contact our Care Team via Live Chat or email (hello@paywithatoa.co.uk).
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To help us resolve your query as quickly as possible, please include the following details: Are you querying a Pay by Bank or Card settlement? What is the date of the transactions that have not been settled? Share your business name and contact details so we can reach out to you.