How does Atoa work for online businesses?
Atoa lets you add Pay by Bank and card payments as options at your online checkout, giving customers the flexibility to choose how they pay. Customers choosing Pay by Bank do so directly from their Bank app, no card details needed.
It's built for UK businesses selling products or services online, and helps reduce your transaction costs compared to card-only processing.
Which ecommerce platforms does Atoa integrate with?
Atoa is fully integrated with WooCommerce, WordPress, Shopify, and Magento. You can add Atoa as a payment method at checkout in a few steps.
If you're on a different platform, email us at hello@paywithatoa.co.uk and we'll let you know where things stand.
How does Pay by Bank work for my customers at checkout?
It's a simple, secure, and convenient way to pay. When a customer selects Pay by Bank at checkout, they're redirected to their Bank app where they approve the payment with Face ID, fingerprint, or passcode.
The payment is confirmed in seconds. There's no need to enter card details, remember passwords, or go through extra steps, making it one of the easiest checkout experiences available.
Can I offer both Pay by Bank and card payments?
Yes. If card payments are enabled on your Atoa account, customers can choose between Pay by Bank or cards at checkout. Giving customers both options keeps the experience flexible and reduces chances of abandoning the cart.
You'll also save more on fees the more customers choose Pay by Bank, since it carries lower transaction costs than card processing.
Are there any chargebacks with Pay by Bank?
Yes. There are no chargebacks with Pay by Bank. Because every payment is authorised directly through the customer's own bank, using their own authentication, it can't be reversed in the way a card payment can.
This removes a significant cost and administrative burden for online businesses.
How quickly do online payments settle?
Pay by Bank payments settle instantly, with funds arriving in your account in real time. Card payments follow standard processing timelines.
For businesses with higher volumes, payouts can be consolidated into a single bulk settlement paid out the following morning. Learn more here.
Do customers need a new app for Pay by Bank?
No. Customers use their existing Bank app. There's nothing new to download or set up.
When they select Pay by Bank at checkout, they're taken straight to their Bank app to approve the payment, then returned to your store once it's confirmed.
Will adding Pay by Bank affect my checkout conversion?
It shouldn't, and for many businesses, it improves it. Pay by Bank sits alongside your existing payment options, so customers who prefer cards can still use them.
For customers already comfortable paying through their Bank app, having the option available removes friction and can make them more likely to complete the purchase.
What types of online businesses can use Atoa?
Atoa is available to most UK businesses selling products or services online. However, not all ecommerce businesses qualify, and you may be asked to provide additional documents during verification.
Atoa cannot be used for online marketplace transactions or social commerce payments such as Facebook Marketplace. Accounts found to be doing so will be suspended.
For any other questions, reach out to us at hello@paywithatoa.co.uk.