A smarter card terminal for modern payments

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Atoa PAX A920 Pro card terminal showing a payment with a choice of Card Payment or Pay by Bank

What is a card terminal?

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  • A simple way to accept in-person payments

    A card terminal, also called a card machine, card reader or card payment machine, is a device that lets a business take card payments in person. The customer taps a card or phone, or inserts a card and enters a PIN.

  • Accept payments anywhere

    The Atoa card terminal handles all of that, plus mobile wallets like Apple Pay and Google Pay, and it also takes Pay by Bank, so a customer can pay straight from their Bank app on the same device.

Atoa allows customers to pay via all major Bank apps and cards

How to use the Atoa card terminal

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  1. PAX A920 Pro terminal with £119.00 entered on the keypad
    Step 1

    Enter the amount

    Type the amount into the Atoa card terminal, or start the payment from the Atoa Business app.

  2. Terminal screen asking the customer to select a payment method: Pay by Bank or Card Payment
    Step 2

    The customer pays

    They tap a card or phone, insert a card and enter a PIN, or scan a QR code for a Pay by Bank payment.

  3. Terminal showing the transaction details of a successful £119.00 payment, with a print receipt button
    Step 3

    You get paid

    The payment is confirmed on the spot, and every sale shows in your dashboard.

Why choose Atoa for card payments

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  • Cards and Pay by Bank together

    Accept card and Pay by Bank payments from one platform, giving customers more ways to pay.

  • Tipping and Split Bills

    Operating a hospitality business? You can split bills and add tips via your Atoa card terminal.

  • Lower payment costs

    Save on payment fees with lower-cost Pay by Bank alongside competitive card pricing.

  • Fast settlement

    Pay by Bank is confirmed in seconds and settled the next day, even on weekends and bank holidays.

  • One dashboard

    Manage transactions, refunds and settlements from one simple dashboard.

  • UK-based support

    Get help from a UK team that understands your business, whenever you need it.

  • Built for growing businesses

    Start taking payments as soon as your terminal arrives, and add terminals as your business grows.

  • Multi-location management

    Manage every location, entity and terminal from one Atoa account.

  • Secure and trusted

    FCA Authorised Payment Institution (FRN 1007647), ISO 27001 and SOC 2 certified.

Other ways to accept payments

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  • Atoa accepts Visa, Mastercard, Google Pay and Apple Pay

    Card terminal

    Take contactless, chip and PIN, mobile wallet and Pay by Bank payments with the PAX A920 Pro. Connect over WiFi or 4G and start taking payments in minutes.

  • Atoa Business app on a phone showing a QR code to scan and pay

    On your phone

    Use the Atoa Business app on your phone or tablet to take Pay by Bank by QR code and send card payment links, with no extra hardware.

  • Logos of UK banks customers can pay from with Pay by Bank, including Barclays, HSBC, Lloyds, NatWest, Monzo and Revolut

    Pay by Bank on the same device

    Customers choose Pay by Bank or card on the same terminal. Pay by Bank costs from 0.7% in person, about 40% lower than card fees, with no chargebacks.

  • Phone showing a £119.00 Atoa payment link with a Share Payment Link button

    Remote payments by link

    Need to collect payment from someone who’s not with you? Send a secure payment link by SMS or email so they can pay from their own phone.

How to get a card machine

Start accepting payments with Atoa in a way that works best for your business. Choose a card machine or use your phone to get started.

  • Get a card machine delivered

    Sign up or speak to our UK team, and we’ll deliver a PAX A920 Pro terminal straight to your door. Connect it to Wi-Fi and start accepting payments.

  • Start taking payments with your phone

    No card machine? No problem. Download the Atoa Business app on your phone or tablet and start accepting card payments and Pay by Bank.

Try Atoa
PAX A920 Pro card machine showing a successful £119.00 Pay by Bank payment, then printing the receipt

A trusted partner
for businesses in the UK

Meet the companies that use our payment 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 could save with Atoa

Book a short demo to see how Atoa helps businesses reduce fees, improve cash flow, and streamline payment operations.
  • About 40% 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?
Visit the Help Centre for card terminal guides, or email us at hello@paywithatoa.com.

How much is a card machine?

The PAX A920 Pro costs £279 + VAT upfront, or contact our team about rental or instalment payments. Card payments start from 1.3% and Pay by Bank from 0.7% in person, both plus VAT. Card rates vary by card type; see the pricing page.

How do I use a card machine?

Enter the amount on the terminal. The customer taps a card or phone, inserts a card and enters a PIN, or scans the QR code to pay with Pay by Bank. The payment is confirmed on the spot. Step-by-step guides are in the Atoa Help Centre.

How do I get a card machine?

Sign up or speak to our UK team. We’ll deliver your terminal straight to your door via insured, next-day DPD delivery. Simply plug it in, connect to Wi-Fi, and start accepting payments straight away.

Can I take payments without Wi-Fi?

Yes. Add a 4G SIM card for just £3 per month to your PAX A920 Pro terminal. Simply insert the SIM card into the built-in slot to connect via mobile data and accept payments at markets, events, during deliveries, or anywhere without Wi-Fi.

How do I take a payment over the phone?

Send a secure payment link by SMS or email and the customer pays from their own phone by card or Pay by Bank. Atoa doesn’t take card details over the phone, which cuts fraud and chargeback risk.

What’s the best card machine for my business?

Look for low fees and support for every way your customers pay. The Atoa terminal takes cards and Pay by Bank on one portable device and runs across several sites from one account. For contract details, contact our sales team.

Does the Atoa card machine take Pay by Bank too?

Yes. The PAX A920 Pro takes Visa, Mastercard, American Express, Apple Pay, Google Pay and Pay by Bank on the same device, so the customer chooses how to pay.

Does my card terminal come with a warranty?

Yes, your PAX A920 Pro terminal comes with a 12-month manufacturer’s warranty. The warranty does not cover theft or accidental damage.