I'm a Business Owner | Atoa Help Center

What if a customer has forgotten their mobile phone?

To pay with Atoa, the customer has to have their mobile phone and their mobile banking enabled. If the customers have forgotten their phone, an alternative solution will need to be offered.

Last updated on Feb 08, 2024

I need another QR Stand, how do I order one?

You can order a new QR stand in the Atoa Business app for free. Simply go into My Account; QR Code settings; and select 'Order Now' for free! Your new QR Stand will be posted to your business address. In the meantime, you are still able to take payments through the Atoa Business app and can send payment links to customers. Having issues ordering via the App? Don't worry, you can also email us at hello@paywithatoa.co.uk and share your Business Name, Delivery Address and the email address you registered with.

Last updated on Feb 08, 2024

My business has closed, how do I delete my account?

First of all, sorry to hear that this has happened. To delete your Atoa Business account: email hello@paywithatoa.co.uk with your business name, mobile number and reason for account deletion.

Last updated on Feb 08, 2024

Is Atoa integrated with any POS systems?

Yes, we are currently fully integrated with TillTech, Pointone, Keyloop, VDIT, Haswent, Kurve, and EPOS Now. Many more POS integrations are coming soon, to register interest in using Atoa with your POS system please contact us at hello@paywithatoa.co.uk.

Last updated on Feb 08, 2024

Is Atoa FCA Regulated?

We operate under a UK Financial Conduct Authority license held by our partner Yapily Connect Limited. Yapily Connect Limited is regulated by the UK Financial Conduct Authority under the Payment Services Regulations 2017 as an Authorised Payment Institution to provide account information services and payment initiation services (License #827001). Every payment with Atoa is processed by the paying Consumer's Bank and funds travel directly from the Consumer's Bank to the Merchant's Bank making it fast and secure. Atoa does not have access to your funds at any time.

Last updated on Feb 08, 2024

Is Atoa safe?

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 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.

Last updated on Feb 08, 2024

Can a customer still pay with a card through Atoa?

No, sorry, we do not take card payments with Atoa, instead, we take our payments through the UK's 'Faster Payments' Bank Transfer system. Faster Payments is a UK Government-run system that is mainly used for paying salaries and large payments. By leveraging the Bank Transfer network and avoiding Visa and Mastercard we can pass on significant cost and time savings to our merchants. The process is simple: a customer will scan a QR code specific to the business or open a payment link, they will then select their bank account and confirm the payment in their mobile banking app. The best part is, that the money comes into the business account instantly, so no waiting around for 2-3 days like card payments. Lastly, Faster Payments is completely secure, every payment is processed end-to-end by UK Banks, Atoa has no access to merchant funds, and everything is monitored by the UK Financial Conduct Authority.

Last updated on Feb 08, 2024

What is Atoa?

Atoa allows any UK consumer to pay in-store using their existing UK Bank App. Atoa leverages the UK Government's Open Banking Network which allows customers to initiate instant bank transfers to merchants without entering their bank account details. Payments are processed by the Consumer's bank and reach the merchant in seconds at a fraction of the cost of card payments. Consumers do not have to download any new apps and no debit or credit cards are involved in the payment. Atoa is short for "Account-to-Account Payments", the underlying technology which enables each Atoa transaction. You can find more information about open banking here:https://paywithatoa.co.uk/blog/what-is-open-banking/

Last updated on Feb 08, 2024

Can debit or credit card payments be taken through Atoa?

No. Atoa utilises the open banking system in the UK and requires a valid UK bank account in order to initiate a payment. This allows funds to seamlessly be sent from the customer's bank account into the business bank account. We call it ‘Instant Bank Pay’. We're committed to providing a safe, fast, and affordable alternative to expensive card payments.

Last updated on Feb 08, 2024

Who's our target customer for Atoa?

We have found the optimal age range for paying with Atoa tends to be 18 to 55. Why? The majority of consumers in this age range have their mobile banking enabled and are comfortable with bank transfers. This makes Atoa and "open banking" easier to explain to them, making them more willing and likely to pay with it. Many older customers may not be as up-to-date on technology which is understandable and ok. In these circumstances, it may be more convenient to offer payment using cards or cash.

Last updated on Feb 08, 2024

Where is "X" Bank?

Atoa allows payment using major UK bank apps which make up over 95% of the UK banking market (including Barclays, Lloyds, HSBC, etc). We also support challenger banks such as Starling and Monzo. Some banks are still working on their open banking APIs and we are constantly working to add more. Consumers cannot currently pay with Metro Bank, Clydesdale Bank, and Tesco (as of April 2024)

Last updated on Apr 29, 2024

Can I use Atoa for E-Commerce?

Yes, Atoa is now fully integrated with Woo-Commerce for WordPress. To enable this you will need to download a plug-in and have Atoa as a payment option (you will need to register with Atoa Business first through the app). Follow the instructions here: https://docs.atoa.me/WooCommerce/ Information regarding our APIs for development access can be found here: https://docs.atoa.me We are currently working with Shopify and a variety of other providers to get Atoa added as an option for E-Commerce. We are eager to provide our customers with excellent savings for both the retail market and online. Same small fees, same instant payment, same Atoa. Businesses that use their Atoa account for online shopping transactions or Facebook Marketplace-related payments will unfortunately be suspended from our platform. If you are using a different E-Commerce provider which is not listed or are not sure whether your business use case qualifies for Atoa; you can email us at hello@paywithatoa.co.uk.

Last updated on Feb 08, 2024