Atoa

Atoa Instant Bank Pay

What is Atoa?

Atoa is a UK-based Open Banking payment provider that helps businesses accept instant bank-to-bank payments via QR codes or secure links—typically saving up to 50–60% in fees compared to card payments. Designed for simplicity, speed, and higher cash flow, Atoa delivers secure, instant transactions processed through the UK’s Faster Payments network with no card networks involved .

Headquarters

London, United Kingdom

What You Get

Lower Fees: Up to 50–60% lower transaction fees than Visa, Mastercard, or AMEX.
Instant Settlement: Payments land in your business bank account within seconds—no waiting days.
Multiple Pay Options: Accept in-store via QR code, share SMS/email links, or integrate with e‑commerce and invoices.
No Contracts or Hidden Fees: Free setup and easy onboarding for eligible businesses .
Bank-Level Security: ISO‑27001 and SOC 2 certified; regulated by the FCA (FRN #1007647) .
Seamless Integrations: Works with Xero, Tevalis, and other partner platforms for invoicing and POS flexibility .

Built For

Small to medium UK businesses across retail, hospitality, beauty, clinics, trades, and professional services—anywhere cost-effective, reliable payment collection matters .

Why Choose Atoa?

Because every payment deserves to be simple and cost-effective. Atoa eliminates card fees and reconciliation burdens while making payment flow seamless—for you and your customers. Rated “Excellent” on Trustpilot with a 4.8/5 score from over 80 reviews, businesses consistently praise its ease of use, savings, and instant payouts .