Account | Atoa Help Centre

How do I manage my Atoa account?

Manage your account easily using the Atoa Business Dashboard for desktop or get your free download of the Atoa Business app from the App Store or the Google Play store. You can view your payments; send payment links; see tips; add and manage employees; add business locations; manage bank accounts; download bills and invite other business owners to Atoa. If your business details need to be updated, contact us as soon as possible at hello@paywithatoa.co.uk.

Last updated on Sep 20, 2024

How to verify your business on Atoa

Why verify your business? When you first sign up with Atoa, there's a £20 limit on payments. Verify your business to lift this limit and continue enjoying low processing fees. But don’t worry, our verification process is super simple. To keep Atoa safe, we carry out a quick check of new users to confirm their identity and keep our platform safe. What we need from you - A photo of your ID (passport or UK driver's licence). - Something that shows your business address (like a utility bill, bank statement, phone bill, council tax bill, or tax document). - A quick selfie so we can match it to your ID. Can any business get verified? We can't register small online-only businesses. You'll need to have a physical store as well as an online one and be able to prove you're trading from both. Using Atoa to take payments on places like Facebook Marketplace isn't allowed. If you do, your account will be suspended. Tips to make verification easy - Have your ID and proof of business address handy. - Take your selfie in a bright spot. - Please read the verification instructions carefully to make sure your documents are shared in the correct format. - Make sure each document is the original, hasn't been changed, and we can see all four corners with everything on it. - We might need some more details or documents to verify your business. Keep an eye out for an email or a call from our team. Need more support with verification? If you're stuck verifying your business or need further help, please email us at onboarding@paywithatoa.co.uk.

Last updated on Sep 26, 2024

Does Atoa charge a minimum fee?

Our standard rate of 0.7% works out at about 70p in fees per £100. Instant payments at an unbeatable low rate can help boost your business' cash flow, giving you time to focus on growth. The business will be charged their plan (0.7% per transaction in most cases*) or 30p, whichever number is higher during that month. The 30p charge is paid directly to Stripe to maintain your Direct Debit mandate. You can view your monthly statements by opening your Atoa app, selecting My Account, clicking Billing and Billing History, and then selecting the month you would like to view. You can see your current month's usage by choosing Billing, Current Usage, and Plan. This will display your current use and estimated charges. Fees are collected by direct debit once a month. When a customer pays with Atoa, your business will receive 100% of the transaction amount instantly. We do not hold any of your funds. Larger businesses are eligible for custom pricing, which is significantly lower than 0.7% per transaction. We also offer capped fees for businesses with high average transaction values. Please contact us at hello@paywithatoa.co.uk for more information. Atoa recognises the importance of charity and its positive impact on communities. We offer a reduced transaction rate of 0.2% for all UK-registered charities. To qualify, you need to provide your UK Charity Number during registration.

Last updated on Oct 29, 2024

My account has been suspended. How do I reactivate it?

If you believe your account has been incorrectly suspended, you can appeal our decision by sending us further information at hello@paywithatoa.co.uk. Accounts can be suspended for various reasons, and launching an appeal will start an investigation.

Last updated on Sep 05, 2024

How do I change my linked bank account?

Go into My Account, then Bank Accounts. Add your new bank account details and set it as the primary account. All following transactions will then be paid into the new account details. If you are adding a new bank account and deleting an old one, make sure that you enable the new bank account for billing purposes to ensure you never miss a bill payment. You can have multiple bank accounts saved at once; you can choose which one you like for receiving payment and which one you would like for billing. Sole Traders are permitted to connect personal Bank Accounts. Limited Companies must connect Bank Accounts under their Business Name.

Last updated on Oct 30, 2024

Can I manage multiple businesses or locations from one Atoa account?

Yes! You can manage multiple businesses registered with Atoa from one account. This means that the business owner can manage all of their Atoa businesses through one account. All businesses need to be registered individually but can be accessed through the same login. To add another business, go into My Account, select add more businesses, and complete your registration. Find out how to use this feature on the blog - https://paywithatoa.co.uk/blog/add-multiple-businesses-and-locations-to-atoa/ "

Last updated on Sep 04, 2024

How does billing work?

Atoa bills once a month via Direct Debit, according to your billing cycle. This means that you will receive 100% of the money in your business bank account upon payment from the customer. Instant settlement grants businesses improved cash flow and our monthly invoice will reflect your current plan. You can track your bill through the Atoa app and dashboard. Atoa is free from hidden fees so you can be confident that the rate offered, is the one you pay. If you think that you have been billed incorrectly, please contact us at Hello@paywithatoa.co.uk.

Last updated on Sep 20, 2024

I've been asked to re-verify my account, why? (Re-KYC)

I've been asked by Atoa to re-verify my account, why? Atoa often requests merchants to re-verify their account details as part of our continuous efforts to protect our merchants and consumers. We'll typically notify you via Email and Push Notification and give you 30-days to complete the process. This usually only takes about 3-4 minutes for a business owner to complete and helps us keep Atoa safe for everyone. While completing your account verification you'll be limited to accepting upto £20 in aggregate. What does re-verifying my account mean? Simply put, we need you to verify that the details we have on your are up to date and you have to share with us your Photo ID (Passport or UK Drivers License) and a recent Business Proof of Address (such as a Bank Statement, Utility Bill, Council Tax Bill, Phone Bill, etc) dated in the last 90 days. You can upload these documents by visiting the Atoa Business app on your phone or by logging into your Atoa web dashboard on your computer. What happens if I don't verify my account? For privacy and security reasons, we’ll close your Atoa account within 30 days of you being requested to complete account verification. I have a question about re-verifying my account information If you have any questions while completing your account verification please feel free to reach out to our Onboarding Team at onboarding@paywithatoa.co.uk. You can also reach out to our UK-based Care Team by emailing hello@paywithatoa.co.uk or messaging us via Live Chat on our website.

Last updated on Sep 26, 2024

Can I refer other businesses to Atoa?

Yes! If you know of another business who would really benefit from Atoa, you can send them a referral link from Atoa Business Dashboard, Atoa Business app and also the Atoa Pay app. The best part is, that when you refer a business to Atoa and they transact £400- you will both earn an Amazon Gift Card worth £50!

Last updated on Oct 29, 2024