What is Atoa?
Atoa is a secure UK payment platform that helps businesses accept Pay by Bank and card payments while reducing fees and improving cash flow. The platform brings payment collection, settlement, reconciliation, refunds, reminders, and finance automation into one dashboard. Businesses can accept payments in store, remotely, or online using Pay by Bank, payment links, QR codes, online checkouts, and POS terminals. Atoa’s Pay by Bank feature lets customers pay directly from their bank app, helping merchants lower fees and receive confirmation quickly. Its card payment solution supports Visa and Mastercard payments through modern terminals designed for speed, reliability, and everyday business use. Atoa also supports Apple Pay, Google Pay, and major bank app payment experiences so customers can pay in the way that works best for them. Finance teams can use Atoa for partial payments, split payments, instant payment reminders, one-click refunds, smart automation, and real-time reconciliation. The platform helps reduce time spent on manual payment operations, chasing late payments, and matching transactions across systems. Atoa connects with ecommerce, accounting, banking, and developer tools through integrations, SDKs, APIs, and ready-made implementation kits. The company is FCA authorised as a UK payment institution and emphasizes secure infrastructure with ISO 27001 and SOC 2 certification. By combining lower-cost payment methods, faster settlement, card acceptance, automation, integrations, and enterprise-grade security, Atoa helps UK businesses keep more of what they earn and run smoother financial operations.