Every Way to Get Paid,in One Place

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FCA authorised · ISO 27001 and SOC 2 certified · Up to 50% lower fees

The Atoa app on a phone showing the Select payment method screen: Pay by Bank with Barclays, Lloyds, HSBC, Nationwide, Natwest, RBS, Santander, Revolut, BOS, Halifax, Monzo and Starling, plus card payment options for Mastercard, Visa, Amex, Google Pay and Apple Pay

Every way to collect, one platform

Try Atoa

How you collect a payment matters as much as which method the customer chooses. A payment at the counter, a remote sale over the phone, a batch of invoices to chase, and a repeat charge on an existing customer all call for a different tool. Atoa brings those tools together, so an established, mid-market or multi-site business can pick the right one for each moment and get paid faster, in person, online and remotely. Here is every way to collect, and where each fits.

Ways to collect with Atoa

Collect by QR code, SMS or email link, invoice link, or card on file, in person, online and remotely. Here is every way to collect, and where each fits.

QR Payments

QR code payments

The customer scans a QR code and pays from their own Bank app, at the counter or table, with no card machine or extra hardware needed.

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Pay by Link

SMS and email payment links

Send a secure payment link by text or email and get paid remotely in seconds, ideal for phone sales, deposits and quotes.

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Invoice payments

Add a Pay by Bank link to your invoices so customers pay in one tap, reconciling automatically in Xero, QuickBooks or Sage.

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Card on file

Securely keep a customer’s card for repeat and follow-up charges, so you can bill again without asking for details each time.

Explore card on file arrow
QR code payments

QR code payments

The customer scans a QR code and pays from their own Bank app, at the counter or table, with no card machine or extra hardware needed.

Explore QR payments arrow
SMS and email payment links

SMS and email payment links

Send a secure payment link by text or email and get paid remotely in seconds, ideal for phone sales, deposits and quotes.

Explore payment links arrow
Invoice payments

Invoice payments

Add a Pay by Bank link to your invoices so customers pay in one tap, reconciling automatically in Xero, QuickBooks or Sage.

Explore invoice payments arrow
Card on file

Card on file

Securely keep a customer’s card for repeat and follow-up charges, so you can bill again without asking for details each time.

Explore card on file arrow

Why Atoa

Bringing every collection tool onto one platform is what keeps fees and admin down. Pay by Bank starts at 0.7% + VAT, up to 50% lower than typical card fees, and settles in 3 to 6 seconds over Faster Payments with no chargebacks, because the customer approves each payment in their own Bank app. Everything reconciles in one dashboard, and it sits alongside the payment types on the products hub.

Who it’s for

Atoa is built for established, mid-market and multi-site UK businesses, across retail, hospitality, healthcare, automotive, dental, veterinary, legal and professional services. If you collect across more than one channel, from the counter to remote invoices, the one-platform model removes the cost and admin of running several tools.

FCA authorised (FRN #1007647) · Card services via Rapyd (FRN #900688) · ISO 27001 and SOC 2 certified · Rated “Excellent” on Trustpilot

A trusted partner
for businesses in the UK

Meet the companies that use our solution to power
growth and save more with every payment they accept

INCREDIBLE
“Since moving to Atoa, we save about £6,000 a month in transaction fees. 96% of our payments are now taken via Atoa.”

Jason Drury

Ponko Motor Company

SUPER CHEAP
“Amazing payment service. Increased our deposit payments by up to 265% in 1 month. Payments super cheap & instant”

Harminder Singh Bains

The Beauty Wardrobe

THE BEST
“Atoa is easy to use for both the customer and consultant. The payment arrives immediately for us… Highly recommended!”

Andy Price

Just Wills & Legal Services

ALL IN ONE
“It’s so nice to see that there are still systems on the market that are not ripping you off with their fees.”

Dora Maries

Holimed Beauty

SIMPLICITY
“We have been very impressed by the ease and simplicity of the payment links. Thanks Atoa, you make fee collection simple!”

Shepsi Haider

Family Law Cafe

SUPERB
“Superb piece of software to simplify taking payments for businesses.”

Malcolm Beattie

MB Motors

BRILLIANT CONCEPT
“Wish we used it earlier! Brilliant concept that is easy to use and saves the company so much on fees.”

Nicolas Colombo

LDN Physio

INSTANT CASH FLOW
“Improves cash flow and saved us over £2,000 a month in payment fees… would 110% recommend it to any other business.”

Lee Shayler

Richlee Motor Company

See how much you can save with Pay by Bank

Book a short demo to see how Atoa helps businesses reduce fees, improve cash flow, and streamline payment operations.
  • Up to 50% lower payment fees
  • Faster access to funds
  • One platform for modern payments
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ISO-27001 and SOC2 Secure

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Security backed by UK banks

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Authorised by the FCA

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Frequently asked questions

Have other queries?
Email us at [email protected]
to get in touch.

How can my business accept payments with Atoa?

You can collect in several ways on one platform: a QR code the customer scans at the counter, a payment link sent by SMS or email, a Pay by Bank link on your invoices, and a card kept on file for repeat charges, in person, online and remotely.

What’s the difference between a payment link and a QR code?

Both let the customer pay by Pay by Bank from their own Bank app. A payment link is sent remotely, by SMS, email or on an invoice, and suits phone and online sales, while a QR code is displayed in person, at the counter or on a table, for the customer to scan and pay.

Can I take recurring or repeat payments?

Yes. Card on file lets you securely charge a returning customer again without re-entering details, and for scheduled, capped recurring collection you can use Variable Recurring Payments on the products hub.

How fast do I get paid?

Pay by Bank payments settle in about 3 to 6 seconds over UK Faster Payments, as soon as the customer approves in their Bank app, with no chargebacks.

Do customers need an app?

No. Customers pay with the UK Bank app they already have, so there is nothing extra to download. They simply approve the payment with their usual Face ID, fingerprint or passcode.

Pick the Right Way to Get Paid

Book a demo and our UK team will show you how mid-market businesses collect faster across every channel, on one platform.

  • QR, payment links, invoice links and card on file in one account
  • Pay by Bank from 0.7% + VAT, up to 50% lower than cards
  • Money in 3 to 6 seconds, no chargebacks on Pay by Bank
Book a demoGet started