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Industry specific

How Atoa works for different types of businesses.
Anna
By Anisha Suvarna and 1 other
• 6 articles

Using Atoa in hair and beauty businesses

How does Atoa work for salons and clinics? Atoa helps salons and beauty clinics take instant bank payments and card payments in one place, whether you’re at reception, in a treatment room, or taking bookings remotely. With Pay by Bank, customers make an instant bank transfer directly from their banking app. Payments are confirmed in seconds, with no need to enter card details. You can also enable card payments, so customers can choose to pay by debit or credit card when using a payment link or QR code. Once set up, you can: - Display QR codes at reception or workstations - Send payment links via SMS or email - Take payments during or after treatments This gives you one simple way to take both bank and card payments. Can I take deposits or remote payments for appointments? Yes. Atoa makes it easy to take deposits or full payments before an appointment, helping reduce no-shows. You can send a secure payment link via: - SMS - Email When the customer opens the link, they can choose to: - Pay by bank (instant bank pay via their banking app), or - Pay by card (if card payments are enabled on your account) Can I take partial payments for treatments? Yes. If you offer higher-value treatments or packages, you can take partial payments. For example, you can: - Take a deposit when the appointment is booked - Collect the remaining balance after the treatment Can I take payments in the salon? Absolutely. For in-person payments, you can: - Display a QR code at reception or workstations - Let clients scan and pay instantly You can accept card payments and instant bank payments UK businesses rely on, all in one place. Do my clients need to download anything? No. Your clients don’t need to download a new app. They simply: - Scan a QR code or tap a payment link - Choose their bank or card option - Approve the payment securely For bank payments, they’ll complete the payment in their banking app using Face ID, fingerprint, or passcode. How do I manage staff taking payments? You can create individual staff logins within your Atoa account and assign them to your business location. This allows your team to: - Take payments from their own workstation or treatment room - Use QR codes or send payment links to clients - Track payments linked to their activity Everything is managed from your Atoa dashboard, giving you full visibility of payments across your salon. Can I use Atoa for walk-ins and new clients? Yes. Atoa works for both walk-ins and first-time clients. As long as your client has a smartphone, they can: - Scan a QR code in your salon, or - Pay through a secure link sent via SMS or email You can accept credit card payments or offer Pay by Bank for a faster, more secure experience.

Last updated on Mar 25, 2026

Using Atoa in your automotive business

How can Atoa help me take payments for vehicles, servicing, or repairs? Atoa helps dealerships and garages take payments quickly and securely, especially for high-value transactions. With Pay by Bank, customers can pay directly from their Bank app. Payments are confirmed in seconds, so your team doesn’t need to wait or manually verify transfers. You can also enable card payments, giving customers the option to pay by debit or credit card. This makes it easy to: - Take full payment for a vehicle - Collect payments after servicing or repairs - Secure bookings with upfront deposits Can I take a deposit to reserve a vehicle or booking? Yes. You can send a payment link to your customer via SMS or email to collect a deposit. They can choose to: - Pay directly from their banking app, or - Pay by card (if enabled) This helps you secure serious buyers and bookings without chasing payments. What if the customer can’t pay the full amount upfront? For larger jobs, you can offer partial payments. This allows you to: - Take a deposit before starting work - Let the customer pay the remaining balance later The same payment link can be reused, so the customer can return and complete the payment when ready. This is especially useful when: - Repair costs change after inspection - Customers need flexibility on larger bills - You want to avoid splitting invoices or chasing balances How do I handle payments for additional repair work? If extra work is needed after inspection, you can quickly send a payment link with the updated amount. The customer can review and approve the payment remotely, without needing to return to the workshop. This helps you move forward with the job faster and keeps everything clearly recorded. Can I take payments in the workshop or showroom? Yes. You can display a QR code at your reception, service desk, or showroom. Customers simply scan the code and choose how they want to pay, either through their banking app or by card. This removes the need for cash handling or manual bank transfers. Can customers pay remotely if they’re not on-site? Yes. You can send a payment link via SMS or email, allowing customers to pay from anywhere. This is useful when: - A customer approves work over the phone - You need payment before releasing a vehicle - The customer can’t return in person Why not just ask for a bank transfer? Manual bank transfers can slow things down and create extra admin. With Atoa: - Payments are confirmed instantly - You don’t need to check your bank account manually - Each payment is tracked and linked to the customer Everything is handled in one place, making it easier to manage payments across your business. Can I use Atoa alongside my DMS or existing systems? Yes. Atoa works alongside your existing dealership management system (DMS) or payment setup. You don’t need to replace anything. You can simply add Atoa to start accepting instant bank payments and card payments for business. How can my sales or service team take payments? You can give your sales advisors, service staff, or reception team access to take payments through Atoa. They can: - Send payment links for deposits, bookings, or completed work - Take payments in person using QR codes - View the status of payments they’ve handled This helps your team collect payments smoothly at every stage, from booking to vehicle handover. Can I track which payments relate to which job or customer? Yes. Every payment is tracked in your Atoa dashboard in real time. You can: - See which payments are completed, pending, or partially paid - Match payments to specific customers or jobs - Keep a clear record without manual tracking This makes it easier to stay organised, especially when handling multiple vehicles or jobs at once. Can I take payment before releasing a vehicle? Yes. You can request payment before handover by sending a payment link to your customer. Once the payment is confirmed, you’ll see it instantly in your dashboard. This gives you confidence that everything is settled before the vehicle leaves your premises. Do customers need to download anything? No. Customers don’t need to download a new app. They simply open the payment link or scan a QR code and complete the payment using their Bank app or card.

Last updated on May 04, 2026

Using Atoa in bars and restaurants

Can I add Atoa to my point-of-sale system? Yes. Atoa integrates with leading hospitality POS systems, including Tevalis, Kurve, pointOne, and more, so payments sync straight back to your system without any manual work. If your current system isn't in our list of integrations, let your provider know about us and we'll work on adding the connection. How should I display my QR codes? You can place QR codes wherever customers are most likely to pay. Common placements include: - Table stickers or card holders for pay-at-table - Printed on receipts or check presenters - At the bar or self-service kiosks - On digital menus or ordering screens Linking each QR code to the right table or station makes it easy to track payments without any extra steps. Can my waiting staff take payments? Yes. You can add your whole team to Atoa and control what each person can access. There are three built-in roles to choose from: - Cashier – can take payments but has limited visibility - Supervisor – has broader access to manage and review payments - Admin – has the same access as the account owner You can also create a Custom role, give it a name, and assign it exactly the permissions you want. This is useful if your team structure doesn't fit neatly into the standard options. All activity is visible in your dashboard, so you always have a clear view of payments across your team. Does Atoa have a tip feature? Yes. You can enable tipping so customers can leave a gratuity at checkout, no prompting needed from your team. To turn it on, go to Tipping on the menu and toggle tips on. You can choose: - Most tipped – shows the most popular tip amounts - Custom amount – lets customers choose what they want to leave Enabling tips can increase your takings by up to 10%. How does a customer actually pay using Atoa? When a customer is ready to pay, they scan the QR code on the table or tap the payment link you've sent them. From there, they can: - Pay directly from their banking app using Face ID, fingerprint, or passcode - Pay by debit or credit card (if card payments are enabled) The whole process takes seconds. There's no app to download and no card machine to bring to the table. How quickly do payments settle? Pay by Bank payments settle instantly, with funds arriving in your account in real time. Every payment is confirmed the moment it's made, so your records are always up to date. If you're an enterprise business, you can opt for consolidated payouts. All payments from the day batched into a single settlement the following morning. Can I take advance payments for group bookings or events? Yes. You can send a secure payment link via SMS or email to collect a deposit or full payment before the visit. This is useful for: - Large group reservations or private dining - Pre-ordered food and drinks packages - Private catered events - Events or ticketed evenings Once the customer opens the link, they can pay by bank or by card. You'll see the payment confirmed instantly in your dashboard. Can Atoa help me collect more Google reviews? Yes. When a customer pays through an Atoa payment link, they're automatically prompted to leave a Google review. There’s no chasing or follow-up needed from your team. Here's how it works: - Reviews of four stars and above are published directly to your connected Google Business Profile - Lower ratings are routed privately to your Atoa dashboard, so you can follow up with the customer before anything goes public - You can respond to all reviews from within your dashboard, in one place - The feature can be switched on or off at any time from your account settings Because the prompt goes out at the moment of payment, when the experience is freshest, you're far more likely to get a response than with a follow-up email or verbal ask. What happens if a customer needs a refund? You can issue refunds directly from your Atoa dashboard. If you have the Atoa Payouts feature and sufficient balance, refunds can be processed instantly. If not, the refund will typically be returned within a few working days. You can also process refunds manually if needed. Either way, the payment record stays visible in your dashboard so everything is clearly tracked.

Last updated on May 06, 2026

Using Atoa in clinics and healthcare practices

How does Atoa work for clinics? Atoa helps dental practices, vet clinics, physiotherapists, and other healthcare providers take instant payments and card payments in one place, whether you're collecting at reception, sending an invoice after a consultation, or securing a deposit before an appointment. With Pay by Bank, patients pay directly from their Bank app. Payments are confirmed in seconds, with no card details to enter. You can also enable card payments, giving patients the flexibility to pay however they prefer. Once your Atoa account is set up, you can: - Take payments at reception using a QR code - Send payment links via SMS or email before or after a visit - Collect deposits to secure bookings - Accept partial payments for longer or higher-value treatment plans Can I take a deposit to reduce no-shows? Yes. You can send a secure payment link via SMS or email to collect a deposit when an appointment is booked. This gives patients a financial commitment to their appointment and significantly reduces last-minute cancellations. How do I handle payments for high-value or multi-stage treatments? For treatments like implants, orthodontics, or ongoing physio, you can take partial payments across multiple stages. For example, you can: - Collect a deposit when treatment is agreed - Take an interim payment before a procedure - Request the final balance once treatment is complete The same payment link can be reused, so patients can return and pay each stage when they're ready. Everything is tracked in your dashboard, so there's no manual reconciliation needed. Can I collect payment remotely after a consultation? Yes. You can send a payment link via SMS or email at any point, before, during, or after the appointment. Patients don't need to return to the practice to pay. They simply open the link and complete the payment from wherever they are. Can my reception team take payments? Yes. You can add your team to Atoa and assign each person a role based on what they need access to. There are three built-in roles: - Cashier – can take payments but has limited visibility - Supervisor – has broader access to manage and review payments - Admin – has the same access as the account owner You can also create a custom role, give it a name, and assign it exactly the permissions you want. Do patients need to download anything? No. Patients don't need to download a new app. They simply scan a QR code or click on a payment link, then choose to pay through their Bank app or by card. For Pay by Bank payments, they authenticate using Face ID, fingerprint, or passcode. How quickly do payments settle? Pay by Bank payments settle instantly, with funds arriving in your account in real time. Every payment is confirmed the moment it's made, so your records are always up to date. For larger practices or group clinics, payouts can be consolidated into a single bulk settlement paid out the following morning. Learn more here. Can I manage payments across multiple locations? Yes. If you run more than one practice or branch, you can manage all payments from a single Atoa account. Learn more here. Each location can have its own QR codes, payment links, and staff access, while you retain full visibility across all sites from your dashboard. This makes it easier to track performance and stay organised without switching between systems. Does Atoa prompt patients to leave a Google review? Yes, on the Growth and Advance plans. After paying through an Atoa payment link, patients are automatically prompted to leave a review, no follow-up needed from your team. Four-star reviews and above go straight to your Google Business Profile, while lower ratings are routed privately to your dashboard first.

Last updated on May 22, 2026

Using Atoa for online and ecommerce payments

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.

Last updated on May 14, 2026