One Platformfor Every Way You Get Paid

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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 you get paid, one platform

Try Atoa

Every business gets paid in more than one way, and stitching together separate providers for each channel is where cost and admin creep in. Atoa brings the whole range together, so a mid-market or multi-site business can take card and Pay by Bank, in person, online and remotely, from one platform and one dashboard. The result is lower fees, faster settlement and less reconciliation work. Here is the full product range, and where each one fits.

The Atoa product range

Card and Pay by Bank across in-person, online and remote channels, plus Pay Later, recurring payments and agentic payments.

Pay Later

Let customers spread the cost while you are paid up front. Credit is provided by Abound; Atoa is an introducer, not the lender.

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Agentic Payments

Let AI agents authorise and execute real payments through a live MCP server, with AP2 on the roadmap.

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Pay by Link

Pay by Bank

Customers pay direct from their Bank app, from 0.7% + VAT, with no chargebacks and money in seconds.

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POS Terminal

Card payments

Visa, Mastercard, American Express, Apple Pay and Google Pay, from 1.3%, with card services provided by Rapyd.

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QR Payments

Pay by Bank, in person

Take bank payments at the counter with a QR code, no card machine or extra hardware needed.

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Online checkouts

Add Pay by Bank and card to your website checkout, and connect the platform you already run.

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POS Terminal

Card payments, in person

Take cards at the counter on a PAX terminal, alongside Pay by Bank.

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Pay by Link

Recurring payments (VRP)

Collect consented, capped recurring payments with Variable Recurring Payments.

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Pay Later

Pay Later

Let customers spread the cost while you are paid up front. Credit is provided by Abound; Atoa is an introducer, not the lender.

Explore Pay Later arrow
Agentic Payments

Agentic Payments

Let AI agents authorise and execute real payments through a live MCP server, with AP2 on the roadmap.

Explore Agentic Payments arrow
Pay by Bank

Pay by Bank

Customers pay direct from their Bank app, from 0.7% + VAT, with no chargebacks and money in seconds.

Explore Pay by Bank arrow
Card payments

Card payments

Visa, Mastercard, American Express, Apple Pay and Google Pay, from 1.3%, with card services provided by Rapyd.

Explore card payments arrow
Pay by Bank, in person

Pay by Bank, in person

Take bank payments at the counter with a QR code, no card machine or extra hardware needed.

Explore in-person arrow
Online checkouts

Online checkouts

Add Pay by Bank and card to your website checkout, and connect the platform you already run.

Explore online checkouts arrow
Card payments, in person

Card payments, in person

Take cards at the counter on a PAX terminal, alongside Pay by Bank.

Explore in-person cards arrow
Recurring payments (VRP)

Recurring payments (VRP)

Collect consented, capped recurring payments with Variable Recurring Payments.

Explore VRP arrow

Why Atoa

Bringing every payment type onto one platform is what makes the difference. 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 Atoa connects to the tools you already use, including Xero, Shopify, Magento and WooCommerce, and EPOS systems such as Tevalis, pointOne and Till Tech.

Who it’s for

Atoa is built for established, mid-market and multi-site UK businesses rather than sole traders, and it suits a range of sectors: retail, hospitality, automotive, dental, veterinary, legal and professional services. If you take higher-value or higher-volume payments across more than one channel or location, the one-platform model removes the cost and admin of running several providers.

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

Book a demo with Atoa

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Frequently asked questions

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

What payment products does Atoa offer?

Atoa offers Pay by Bank, card payments, in-person payments, online checkouts, payment links, Pay Later, recurring payments (VRP) and agentic payments, all on one platform, so you can take card and bank payments across in-person, online and remote channels from a single dashboard.

Can I take both card and Pay by Bank payments?

Yes. Atoa is one platform for both, so customers can pay by card or Pay by Bank, in person, online or by link, and you manage everything from one dashboard.

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.

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.

Is Atoa secure and regulated?

Yes. Atoa is authorised by the Financial Conduct Authority (FRN 1007647), with card services provided by Rapyd (FRN 900688), and is ISO 27001 and SOC 2 certified. Pay by Bank payments are approved in the customer’s own Bank app and cannot be charged back.

One Platform for Card and Pay by Bank

Book a demo and our UK team will show you how mid-market businesses cut fees and get paid faster across every channel.

  • 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