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Payments

How to use instant payments in your business.
Navdeep Yadav
By Natalie Davies and 2 others
• 16 articles

How to use Atoa for payments

How Atoa payments help your business Atoa lets customers pay your business directly from their UK bank app. It's fast, secure, and much cheaper than accepting card payments. How customers pay you using Atoa Scan a QR code from your device or stand - Customers scan the Atoa QR stand or code on their device with their smartphone and are redirected to their bank app. - They confirm the payment with a quick face or fingerprint scan. - Your business receives money from the customer's payment, instantly. Click a payment link or invoice - Send the customer a secure payment link by text, WhatsApp, email or on an invoice. - The customer taps the link which opens the payment in their browser. - They're redirected to their bank app to confirm payment with a face or fingerprint scan. - Your business gets paid within seconds. Why choose Atoa over a bank transfer Atoa processes payments in seconds from your customer’s UK bank app, which can dramatically improve your business cash flow. If you’ve ever had customers send money to the wrong bank account, you’ll know how stressful it is. Atoa uses open banking powered account-to-account payments, so your money always reaches the correct account. No more waiting around or chasing finance for payment statuses, as Atoa sends you a real-time notification whenever customers pay. Most of all, accepting payments on Atoa is easy and convenient. Forget filling out complicated forms or triple-checking account details. Customers can pay securely with just a tap of a link or a scan of a QR code. Plus, it’s GDPR-compliant, with no sensitive data to store. Oh, and did we mention you’ll save up to 60% on card processing fees?

Last updated on Oct 30, 2024

How QR code receipt payments work

What is a QR code receipt? A QR code receipt is an easy way for bars or restaurants to accept payments from customers when you hand them the bill. Your guests scan to pay quickly without waiting for a member of staff to bring the card machine, which can save your business valuable time and resources. How do I use QR code receipts on Atoa? 1. Connect Atoa with your point of sale system. Scroll down the pricing page to see which POS providers we work with. All of our integrations are straightforward and only take a few minutes to complete. 2. When you accept a payment in your POS, choose Atoa and print the QR on your customer’s receipt. 3. Let them scan the QR code with their smartphone. A payment will start in their phone browser, which asks them to choose their bank app. 4. They are redirected to their bank app to complete the payment with a face or fingerprint scan. 5. The payment is instant, so your business gets funds right away. Plus, the transaction is cashed off on your POS. How does this help my business? Beyond saving you money with lower fees and faster payouts, QR code receipts can also improve service, give customers the option to pay and leave as soon as they’re eaten and help you reduce costs on front-of-house staff. 💡 If you can’t see your POS provider on our integrations page then contact us at hello@paywithatoa.co.uk and let us know who you use. We’ll try our best to make it happen!

Last updated on Sep 05, 2024

How payment links work

What are payment links? SMS payment links are shareable links that let customers make payments from their devices. They make remote payments more manageable for businesses and offer convenience to customers. Why are payment links good for my business? Atoa payment links help your business get paid faster! Funds arrive as soon as your customer pays the link. You can track paid or unpaid links at a glance. How do I send a payment link using Atoa? - Log into the Atoa Business Dashboard or Atoa Business app. - Go to the "Links" icon. - Click "New Link" or "Create payment link". - Enter the amount and add an optional note (e.g., what the payment is for, customer name, reference number). - Share the link with your customer using text, email, social media, or whatever works best. Can I add notes to my payment links? When you create a payment link, there's a space to add notes below the transaction amount, which customers will see when they make the payment. How can I view the notes after the payment is made? Once the payment is successful, you can view the notes by going to the transaction page and selecting the payment details. 💡 Adding notes to your payment links is a great way to manage and reference your transactions. FAQs How can I see if my links have been paid? To see their status, you can toggle between "paid" and "unpaid" links. You will also receive a notification when payment has been received. Can I send payment reminders to customers? You can send polite payment reminders to customers using the Atoa Business app or dashboard to ensure you don't have any overdue payments. Is the payment reminder feature available on the Basic plan? You can access this feature by upgrading to our Advanced Add-on. Find out about the other features you can unlock with this plan on our pricing page.

Last updated on Oct 30, 2024

Can I accept debit card payments on Atoa?

Not directly. With Atoa, we've made payments more straightforward and convenient. Instead of card payments, we use the open banking system, which requires customers and businesses to have a valid UK bank account to use for payments. This allows funds to be sent directly from the customer's bank account into the receiving business bank account. By using the Faster Payments System, a UK government-run system (frequently used for salaries and larger transactions) we can offer businesses significant cost and time savings when compared to traditional card payments. We call this "Instant Bank Pay" but it’s also known as an account-to-account (A2A) payment or pay by bank. Our payment process is designed with businesses in mind. Customers scan a QR code in-store or click on a payment link, select their bank from the provided list, and confirm the payment in their mobile banking app. The money is then instantly transferred into the business owner's linked account, skipping the 2-3 days delay in releasing funds and saving businesses up to 60% compared to card payments. We call this “Instant Bank Pay” but it’s also known as an account-to-account (A2A) payment or pay by bank. Faster Payments is entirely secure. Every payment is processed end-to-end by UK banks. Atoa has no access to customer or business funds, and the Financial Conduct Authority monitors everything we do. European banks are subject to regulations different from those of UK bank accounts, and there is no infrastructure or mandate to allow these banks to process payments using FPS. Therefore, we are currently only able to accept payments from banks in the UK.

Last updated on Oct 30, 2024

How Atoa in-store QR code payments work

Scan, pay, go. It's that simple with Atoa's in-store QR codes. Upgrade your in-store experience, make your customers happy, and boost your bottom line with instant contactless payments. It's easier than cash and cheaper than cards. Why are Atoa in-store QR code payments good for business? - Payments are instant to keep those queues moving and the cash flowing. - Keep more of your hard-earned money with our low fees. - See your QR code transaction history in your Atoa dashboard or app. - Give your customer an easy payment experience without cash, card, or bank transfers. How to accept Atoa QR code payments in-store 1. Sign up: Create an account on the Atoa Business app or dashboard and get verified. 2. Display: Order your QR code and display it at the counter, on tables, or even on your products. 3. Customers open their phone camera and point it at the code. The Atoa payment page appears, pre-filled with the amount. They're taken to their bank app to confirm the payment with a face or fingerprint scan. 4. You get paid instantly with much lower fees than cards. How to order a new or replacement QR stand Need a new QR stand? It's on us. Read on to find out how to get your hands on one. How can I get a new QR stand? Order one for free right in the Atoa Business app or dashboard by following the steps below. 1. Go to 'My Account'. 2. Select 'QR Code settings'. 3. Tap 'Order Now' and it's yours without charge. We'll send your new QR stand straight to your business address. Can't order through the app? Email us at hello@paywithatoa.co.uk with your: - Business name - Shipping address - Registered email address Keep taking payments: While you wait for your new stand, you can still use the Atoa Business app or send payment links to your customers.

Last updated on Sep 20, 2024

How to enable API access

Ready to start accepting payments on your platform? You can easily enable your API access through your Atoa business app or dashboard. Let’s get started! 1. Go to Settings Head over to the Settings page in your Atoa account and select API Access. 2. Choose Your Environment You’ll see two toggle buttons: Sandbox and Production. - Sandbox is your testing ground. Use this to check how your payment process works and make sure that your payments are going to the right account. - Production is for when you’re ready to go live and start accepting payments from your clients. 3. Share Your URL When you toggle either Sandbox or Production, you’ll need to enter a URL. This is where your clients will be redirected after they make their payments. Note: When you paste or type out your URL, don't forget to include http:// or https:// in the beginning. 4. Access Secret Key Your Access Secret key will be hidden. You can either ‘Copy’ or ‘Share’ this key, but remember, Atoa doesn’t store this information. Keep it safe and don’t share it with anyone you don’t trust. 5. Finish Up Click on ‘Close,’ and it’s done! You’ve successfully enabled your API access. FAQs What if I lose my Access Secret Key? Don’t worry! If you lose it, you won’t be able to retrieve it, but you can generate a new one. Just click the icon next to the Access Secret and hit 'Revoke' to confirm. How do I disable Sandbox or Production API? Simply click the toggle button and select 'Disable' to confirm. This will invalidate your Access Secret key, and you’ll need to follow the steps mentioned above to enable your API access again. Are the processes different for Sandbox and Production? Nope! The steps are the same for both.

Last updated on Nov 18, 2024

How to link and manage in-store QR codes

Whether you’re running one shop or many, it’s easy to link the physical QR codes to your Atoa business account or active integration. Why should I link my QR code to Atoa? If you want to start accepting payments through your QR code, linking it to your Atoa account is the first step. Without this step, your QR code won’t be able to process payments. Linking your QR code with Atoa is essential for unlocking its full potential. When you connect it, you can tie your QR code to your preferred locations—perfect if you have multiple stores—and link it directly to your bank account. Once that’s done, your customers can simply scan, pay, and go—making their experience quick and hassle-free! Let’s show you how to set it up. How do I link the in-store QR code to Atoa? Once you order in-store QR code, linking it to Atoa is super simple—just use your Dashboard or the Atoa business app! On the Dashboard 1. Head over to ‘Settings’ and select the ‘Manage QRs’ tab 2. Click the ‘Link QR code’ button 3. Choose a store (select the location if you have multiple) 4. Enter the QR reference number (you’ll find it at the bottom right of your QR stand) 5. Give it a nickname and hit ‘Link QR code’ On the Atoa business app 1. Tap the ‘Menu’ button 2. Go to ‘QR code settings' 3. Select the ‘Link QR code’ button 4. Scan the QR code to connect it to your Atoa account 5. Choose a store (select the location if you have multiple) 6. Give it a nickname and hit ‘Finish linking’ Once linked, you’ll be able to see the funds collected from customers in the 'Payments' section for each location. This makes it easy to keep track of all transactions made through your physical QR code. How do I link my in-store QR code with my active POS integration? To link your QR code to your active POS integration, just follow the steps above and check the box that says ‘Link this QR with your POS’ for your preferred location. FAQs How do I modify my QR code’s nickname? Modifying your QR code’s nickname is simple. 1. Just tap on any QR code in the Atoa business app or click the modify icon on the dashboard. 2. A pop-up will appear where you can change the nickname of the QR. 3. Once you’re happy with it, just hit ‘Save changes’—and you’re done! How do I unlink my QR code integration? 1. Tap on any QR code in the Atoa business app or click the modify icon on the dashboard. 2. Select the ‘Unlink from {pointOne}’ button. 3. Click ‘Unlink’ to confirm and it’s done. Remember that once you unlink the QR code from your POS integration, it will become a standalone QR stand. But don’t worry—you can relink it anytime in the future if you need to. How do I delete a QR code from my Atoa account? To delete a QR code, just tap on any QR code in the Atoa business app or click the modify icon on the dashboard. Click the ‘Delete’ button. Just a heads-up: once you do this, you won’t be able to accept payments with that QR code anymore

Last updated on Nov 19, 2024