Legal and compliance

Essential legal information.

By Navdeep Yadav and 1 other

• 6 articles

Is Atoa FCA authorised?

We operate under a UK Financial Conduct Authority license held by our partner, Yapily Connect Limited. Yapily Connect Limited is authorised by the UK Financial Conduct Authority under the Payment Services Regulations 2017 as an Authorised Payment Institution to provide account information and payment initiation services (License #827001). Every Atoa transaction is processed in the customer's bank app. Funds are sent directly to the merchant's linked bank account, making it fast and secure. Atoa does not have access to your funds at any time.

Last updated on Oct 29, 2024

Data Subject Access Requests

Atoa respects your privacy. Please contact our Care Team at hello@paywithatoa.co.uk with the email subject title “Data Subject Access Request”. We'll need you to provide the following details: - Are you an Atoa Business or Atoa Pay user? - Your name - Phone number - Registered business name (if applicable) Our UK-based Care Team will aim to get back to you within one month (excluding UK public holidays). Please note this is the right to access and receive a copy of your personal data and other supplementary information. This right is not absolute and may be subject to certain limitations and exemptions.

Last updated on Sep 04, 2024

What about transaction disputes?

Atoa doesn't handle money as part of any transactions but facilitates payments to be made directly between Merchants and Customers. Therefore, if there is any dispute regarding a transaction that has taken place, it should be dealt with by the relevant Merchant in the first instance. If you are unable to resolve your dispute with the Merchant, we would recommend you get in touch with your bank to see if they are able to assist you. If you believe that a Merchant has breached the Terms of Service with us, you can let us know the full details of your concern, although please note that we may not be in a position to adjudicate on disagreements between you and a Merchant. Email us on Hello@paywithatoa.co.uk.

Last updated on May 10, 2024

How can I make a complaint?

Atoa is committed to providing you with the best service we possibly can, so if you have a suggestion for how we can improve, or you are disappointed with our Service, we want to hear from you. Get in touch via complaints@paywithatoa.co.uk. Please see our Terms of Service for more details about our complaints process.

Last updated on Apr 29, 2024

Shopping on Facebook Marketplace

Atoa advises consumers to not pay Atoa links sent from Facebook Marketplace merchants. Atoa merchants are strictly not permitted to use Atoa for payments on third-party marketplaces like Facebook Marketplace, Gumtree, etc. We advise consumers to exercise caution and only approve payments to merchants they know and trust. We require customers to tick the "I trust this merchant" tickbox and acknowledge they know the recipient before they can approve a payment. Our Terms of Service require merchants to provide a high level of service and care to consumers. Any merchant found accepting payments via marketplaces will be immediately suspended from our service. We advise consumers to exercise caution and only approve payments to merchants they know and trust. We require customers to tick the "I trust this merchant" tickbox and acknowledge they know the recipient before they can approve a payment. If you believe you may have been a victim of fraud when paying with Atoa, please contact your Bank straight away.

Last updated on Oct 07, 2024

I’ve paid for goods using Atoa which I haven’t received

Authorised Push Payment (APP) Fraud You may have been impacted by Authorised Push Payment (APP) fraud. This is where a malicious party tricks someone into purchasing goods which don't exist or are never received. Alternatively, a fraudster can also impersonate bank staff to get someone to transfer funds out of their bank account and into that of a fraudster. Each Atoa payment is effectively a bank transfer, approved by you, and processed by your Bank directly to the Recipient’s Bank account so you will need to make contact with your Bank if you are facing issues with a particular payment. Atoa advises customers not to pay sellers they don't know and to avoid purchasing items via third-party marketplaces. Customers paying remotely must confirm they know and trust the merchant before approving payment. Contact your Bank immediately You should contact your Bank immediately to raise your concern. They will take all relevant information from you and investigate the matter . You can learn more about your rights via the Payment Services Regulator website. Let Atoa know Please also reach out to Atoa’s Care Team via Live Chat or email and provide us with some details on the transaction in question so we can investigate the matter. - Date/Time of Transaction - Transaction Reference Number (if available) - Transaction Amount - Name of Merchant - Your Name and Contact Details This will allow us to investigate the Merchant in question and if necessary, suspend them from our services.

Last updated on Oct 07, 2024