Getting started

What is Atoa, and how does it work?

Pay instantly and securely in-store with Atoa using your UK bank app Atoa is a new way to pay that uses Open Banking, allowing customers to make payments to your business directly from their existing UK bank app. It's like making an instant bank transfer, but without sharing sensitive card details. We call this "Instant Bank Pay" but the official term is “account-to-account payments”. What Atoa offers to business owners - A cardless solution that saves you up to 50% compared to card payments! Pricing starts at 0.6% + VAT per transaction and falls with higher volumes. - Accept payments in-store and remotely. - Instant bank pay deposit payments into your linked account in seconds, giving your business instant cash flow. Say goodbye to waiting days (or even weeks) to get paid by your card provider. - There's no need to download anything. Customers scan a QR code or click a link to pay with their bank app. - Grow your business with a modern and secure payment solution that works for you. - No hardware or device rental. - Atoa is trusted by 1000s of UK businesses and we’re rated Excellent on Trustpilot. How Atoa works 1. Display your Atoa QR stand or send a payment link. 2. Customers scan the QR code with their smartphone camera or click the link from their smartphone. 3. They select a bank from the list and approve the payment securely from their bank app using a face or fingerprint scan. 4. Done! You receive a notification that your payment has been completed instantly and securely. Funds are deposited into your linked business account within seconds. Learn more Visit our website. Read our article about Open Banking. Watch our YouTube video on how Atoa works: Slash your payment fees | Atoa

Is Atoa secure?

Atoa is completely safe and is actually safer than cards.  Unlike cards which can be lost or stolen, Atoa’s transactions are processed by the consumer's bank app; the customer needs to enter their biometric security before accepting the transaction.  This ensures that Atoa meets the highest standards of security and compliance.  We also do not offer chargebacks, so the business is protected. Atoa bypasses processing payments via the Visa and Mastercard networks and instead uses the UK Government's Faster Payments network. Faster Payments is the network used to pay most people's payroll each month. It's safe, secure, and monitored by the UK Financial Conduct Authority. Every payment is processed by UK Banks and Atoa has no access to funds at any time. The Faster Payments network allows Atoa to remove unnecessary middlemen from the payment flow and pass on cost and time savings to the end business owner. You can't get paid fairer than this.

Does the customer need to download an app to pay with Atoa?

To pay using Atoa, the customer needs a mobile phone with a banking app registered on it. Atoa payments are automatically opened in the smartphone browser. After a customer pays with Atoa, they will automatically receive an e-receipt in their browser, which they can download and save. Customers don't need the Atoa Pay app to make a payment. However, if your customer already has the Atoa Pay app on their smartphone, they can pay using their linked bank details. If the customer forgets their phone, an alternative payment method should be offered to them.