Agentic Payments
Enable AI-powered payments directly within live chat platforms like Intercom and AI receptionist systems, allowing customers to pay seamlessly within conversations.
Accept cards and local payment methods across the UK and EU, all managed from one dashboard.
Accept payment
StevenAdmin
€16,000.00
Funds will be deposited daily to your bank account.
View all payouts →
€9,800.90
Processed • Deposited in your bank account on 19 Apr, 12:00 PM
Today
€62,400.00112
Search businesses
ABC Retail Ltd7 Stores
ABC Retail Ltd2 Stores
ABC Retail NV1 Store
ABC Retail SARL2 Stores
ABC Retail GmbH4 Stores
Designed for Secure, Reliable Payments
Trusted by merchants
Secure
Rated "Excellent"
Trustpilot
Backed by
Accept card, wallet and local payment methods in store, online and by link, and see every payment in the same Atoa dashboard.
Enable AI-powered payments directly within live chat platforms like Intercom and AI receptionist systems, allowing customers to pay seamlessly within conversations.
Accept Visa, Mastercard and American Express, plus Apple Pay and Google Pay, in person, online or remotely via SMS payment links and invoices. Manage payments across the UK and Europe from one dashboard.
Send a branded payment link by SMS or email. Your customer pays securely by card on their phone, and you receive instant confirmation.
Add a secure card checkout to your website, with Apple Pay and Google Pay, and connect it to the e-commerce software you already run.
Show a QR code at the counter or on the bill, and customers scan it to pay by card on their own phone.
Create and send invoices directly from your Atoa Dashboard, or integrate with accounting software like Xero and QuickBooks to get paid faster.
Drive more payments through cost-effective local payment methods and e-wallets, with competitive card rates as a fallback.
Enjoy fast settlement for healthier cash flow and more flexibility to grow your business.
Integrate Atoa quickly with easy-to-use APIs and developer-friendly tools that make building and launching faster.
Atoa puts agentic payments at the core of its platform, enabling AI agents to securely initiate and complete payments
In-store, online and remote card payments sit in one dashboard, so your finance team works from a single view.
Send a payment reminder in one click and spend less time chasing late payments.
Manage every site and entity from one place, with staff access set per site or seniority.
Let customers add a tip when they pay to show their appreciation for great service.
Accept deposits and part-payments, with full visibility of what has been paid and what is still due.
Automate everyday finance tasks so your team can focus on reporting, forecasting and control.
Atoa connects with the e-commerce and accounting software you already run, and your developers can add card payments to your own product with our APIs and SDKs.
Explore Integrations
Meet the companies that use our solution to power growth and save more with every payment they accept
“It’s so nice to see that there are still systems on the market that are not ripping you off with their fees.”
"We have been very impressed by the ease and simplicity of the payment links. Thanks Atoa, you make fee collection simple!"
“Superb piece of software to simplify taking payments for businesses.”
Book a short demo to see how Atoa helps businesses across Europe take card and local payments, improve cash flow and streamline payment operations.
Cards and local payment methods in one placeFaster access to fundsOne platform for modern payments
ISO-27001 and
trusted by thousands of businesses
Rated Excellent on Trustpilot
Have other queries?
Email us at hello@paywithatoa.com
to get in touch.
Atoa is a payments platform for businesses that sell across the UK and Europe. You can take payments in-store, online, by SMS or email payment link, and through AI agents, and manage all of it from one dashboard and mobile app.
Atoa helps businesses keep more of every sale by steering customers towards lower-cost payment methods, such as local payment methods and digital wallets (where available). With popular local and international payment methods in one platform, your customers can pay the way they prefer, wherever you operate. We’re focused on helping scaling businesses reduce payment costs, accelerate settlements, minimise chargeback risk and automate payment administration. Backed by proactive customer care and dedicated developer support, Atoa is perfect for businesses with annual turnover of £/€1,000,000-£/€50,000,000.
Yes. You can accept payments across the UK and EU and manage all your entities from one dashboard. You don’t need a separate provider for each country, and you can see every market, currency and channel in one place.
Every payment, whether it comes from a card terminal, an online checkout, an SMS link or an AI agent, lands in the same dashboard. Reconciliation stays simple as you add new sites, channels and countries. You can filter, export, and sync with your accounting tools, which saves your finance team hours every month.
Customers can pay in person on our card terminals, online at checkout, through payment links sent by SMS or email, or through agentic payments made by AI assistants. We support popular local and international payment methods so customers can pay the way they prefer.
Yes. Atoa integrates with popular platforms including Shopify, WooCommerce, Magento and Xero. For custom builds, our open APIs and SDKs make it quick for your developers to get you live.
Atoa is open to limited companies, other registered business entities and registered charities based in the UK and EU. We’re best suited to organisations with an annual turnover of £/€1 million to £/€50 million, where switching to Atoa can deliver significant cost and time savings. We’re unable to onboard sole traders at this time.
Atoa is an Authorised Payment Institution in the UK. Across Europe, we work with trusted, licensed partners to process payments securely. All payments are protected by industry-standard security, and your funds are handled in line with the relevant regulatory requirements.
Atoa is rated “Excellent” on Trustpilot and trusted by thousands of businesses across the UK and Europe. We’re backed by the people behind PayPal, Monzo, Xero and Wise. Got a question? Feel free to contact us at hello@paywithatoa.com.
