Payments Built forYour Industry

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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

Payments tuned to how your sector trades

Try Atoa

Every sector gets paid a little differently: a retailer at the till, a restaurant at the table, a clinic at reception, a garage on a high-value repair. Atoa is built for established, mid-market and multi-site UK businesses, and each industry page shows how card and Pay by Bank work for that setting, on one platform. Here is the range, grouped by sector.

Industries we serve

Retail shops, restaurants, hotels and gyms are live now, each with card and Pay by Bank tuned to how the sector trades.

Retail shops

Card and Pay by Bank at the till, lower fees, and one dashboard across your locations.

Explore retail arrow

Restaurants

QR at the table, tips, and a card terminal, for faster table turnover.

Explore restaurants arrow

Hotels

Deposits, room, spa and restaurant payments by link or QR, paid in seconds.

Explore hotels arrow

Gyms

Recurring memberships, joining fees and day passes, with cards when members want them.

Explore gyms arrow
Retail shops

Retail shops

Card and Pay by Bank at the till, lower fees, and one dashboard across your locations.

Explore retail arrow
Restaurants

Restaurants

QR at the table, tips, and a card terminal, for faster table turnover.

Explore restaurants arrow
Hotels

Hotels

Deposits, room, spa and restaurant payments by link or QR, paid in seconds.

Explore hotels arrow
Gyms

Gyms

Recurring memberships, joining fees and day passes, with cards when members want them.

Explore gyms arrow

Payments That Fit Your Business

Book a demo and see how businesses like yours cut fees and get paid faster.

  • Card and Pay by Bank on one platform, in person and online
  • 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 demoSee pricing
Atoa helps businesses across many industries get paid faster

More sectors we serve

Retail shops, restaurants, hotels and gyms have dedicated pages. We also serve businesses across these sectors, with card and Pay by Bank tuned to how each one trades.

Retail and Hospitality

Cafes, fast counter payments by QR and card.

Healthcare and Clinical

Dental practices, private clinics, veterinary practices, opticians and physiotherapy, treatment and reception payments by QR, link or terminal, with lower fees and no chargebacks.

Professional Services

Solicitors, accountants, insurance brokers, mortgage brokers, and estate and lettings agents, invoice and fee payments by Pay by Bank link, reconciled in your accounting software.

Automotive and Trades

Car dealerships, auto repair and tradespeople, high-value vehicle, repair and job payments by Pay by Bank, with capped fees and no chargebacks.

Other Sectors

Travel agencies, education, e-commerce, jewellery, taxis, construction, insurance companies and hair salons, payments tuned to each sector, in person, online and remotely.

Why Atoa

Whatever your sector, the platform is the same: Pay by Bank from 0.7% + VAT, up to 50% lower than typical card fees, settling 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 Atoa connects to the EPOS and accounting tools you already run, including Tevalis, pointOne and Till Tech, and Xero, Shopify and Sage.

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.

Which industries does Atoa work with?

Atoa works with mid-market and multi-site UK businesses across retail and hospitality, healthcare and clinical, professional services, automotive and trades, and more, including retail shops, restaurants, hotels and gyms, with further sectors rolling out.

Is Atoa suitable for my type of business?

If you are an established UK business taking payments across more than one channel or location, in retail, hospitality, healthcare, automotive or professional services, then yes. Atoa is built for mid-market and multi-site businesses rather than sole traders.

How much does Atoa cost?

Pay by Bank starts at 0.7% + VAT and cards from 1.3%, up to 50% lower than typical card fees, with settlement in 3 to 6 seconds and no chargebacks on Pay by Bank. See the pricing page for current rates.

Does Atoa work with my EPOS or till?

Yes. Atoa connects to EPOS systems including Tevalis, pointOne and Till Tech, and more, so payments sync back to the till you already use.

Can I take payments in person and online?

Yes. Atoa is omnichannel: take payments at the counter with a QR code or a card terminal, on your website checkout, and remotely by payment link, all from one account.