Atoa Business

20 reviews
Content rating
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About this app

Atoa Instant Bank Pay allows UK businesses to accept payments at up-to 70% lower fees versus traditional debit and credit card transactions. Customers simply scan a QR code in-store to pay directly via their UK mobile banking app. Funds are paid out to the business in seconds and there's no contracts or hidden fees.

Sign-up in minutes and enjoy 14-days of free transactions!

- Pay using In-Store QR Stand, QR Code on Phone, or SMS/Email Link
- Transaction fees are up-to 70% lower fees versus Visa/Mastercard/AMEX
- Customers pay securely using their Bank App via an "Instant Bank Transfer"
- Businesses receive funds to your Bank account in seconds (not days)
- Allow your customers to pay tips to you and your staff
- Customers don't need to download any new apps

How do I sign up?
- Atoa allows Small Businesses and Sole Traders to sign-up in seconds
- Simply download the app and connect your UK Bank Account

Atoa operates under a UK Financial Conduct Authority license. Funds are transferred by the Consumer's Bank, making every transaction secure.

Got a question?
- Contact our UK-based Customer Success Team at or visit
Updated on
Nov 23, 2023

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
App activity
This app may collect these data types
Personal info, Financial info and 5 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

18 reviews
Maxine Hughes
November 6, 2023
Cheaper rates and get your money instantly!
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Agnieszka Chojnacka
November 16, 2022
works very efficient and quick , I'm using and very happy . I would like to see sent and not paid yet transaction in the app .
1 person found this review helpful
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Atoa Payments Ltd
October 10, 2023
Hello Agnieszka, appreciate your feedback! We're excited to let you know that payment tracking is now possible through payment links. Just input your amount, share the link, and monitor the payment status.
July 26, 2022
Easy to use and helps me save on card fees. I've been using it for a few weeks now and have had no issues. Funds land in my bank account within seconds.
1 person found this review helpful
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What's new

We’ve got a new version of Atoa ready for you, and this one has a bunch of useful features we think you’ll love…
Want real-time payment notifications? If you switched your Atoa notifications off, we’ll remind you to enable them so you know exactly when customers have paid you.
Sent a referral or accepted one? You can now see how many more payments you must accept to reach your Atoa referral bonus on the app homepage. Keep on spreading the word and be rewarded!