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Atoa

Atoa

UK limited companies and charities with meaningful monthly volume that want to cut card fees by shifting customers to Pay by Bank.

VS

Adyen

Platforms & Marketplaces

Adyen
Fees from
— vs Interchange + + $0.3
Features

0 shared

3 unique to Adyen
Regions

0 shared

8 unique to Adyen
Pay methods

5 shared

5 unique to Atoa · 32 unique to Adyen
On licensing

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Show full specs
3 features · 42 payment methods · 8 regions. We don't rank these — they're here for reference.
Atoa Atoa
Adyen Adyen
Quick Facts
Fees
Standard transaction rate
—
Interchange + + $0.3
Settlement
Time to receive funds
x
1–3 business days
Founded
—
2006
Headquarters
—
Amsterdam, Netherlands
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
Adyen leads (3 vs 0)
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Recurring Payments Unique
—
✓
Payment Methods
Adyen leads (37 vs 10)
Ach Unique
—
✓
Affirm Unique
—
✓
Afterpay Unique
—
✓
Alipay Unique
—
✓
Amex
✓
✓
Apple Pay
✓
✓
Bancontact Unique
—
✓
Bank Transfer Unique
—
✓
Blik Unique
—
✓
Bnpl Unique
✓
—
Boleto Unique
—
✓
Credit Card Unique
—
✓
Debit Card Unique
—
✓
Digital Wallet Unique
—
✓
Diners Unique
—
✓
Discover Unique
—
✓
Google Pay
✓
✓
Grabpay Unique
—
✓
Ideal Unique
—
✓
Interac Unique
—
✓
Jcb Unique
—
✓
Klarna Unique
—
✓
Maestro Unique
—
✓
Mastercard
✓
✓
Mobile Payment Unique
—
✓
Multibanco Unique
—
✓
Open Banking Unique
✓
—
Payment Link Unique
✓
—
Paypal Unique
—
✓
Pix Unique
—
✓
Pos Unique
✓
—
Qr Code Unique
✓
—
Real Time Payments Unique
—
✓
Sepa Unique
—
✓
Sepa Direct Debit Unique
—
✓
Sofort Unique
—
✓
Swish Unique
—
✓
Trustly Unique
—
✓
Unionpay Unique
—
✓
Visa
✓
✓
Voucher Unique
—
✓
Wechat Pay Unique
—
✓
Regions
Adyen leads (8 vs 0)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
—
✓
Oceania Unique
—
✓
Southeast Asia Unique
—
✓

Atoa is best when you...

UK limited companies and charities with meaningful monthly volume that want to cut card fees by shifting customers to Pay by Bank.
View Atoa

Adyen is best when you...

Platforms & Marketplaces
Need Enterprise
Not available with Atoa
Need Instant Payout
Not available with Atoa
Want coverage in Africa, Asia, Europe, Latin America, Middle East, North America, Oceania, Southeast Asia
Atoa doesn't cover these regions
View Adyen

Frequently Asked Questions

What is the difference between Atoa and Adyen?
They share 5 payment methods and 0 regions. Atoa adds Buy Now Pay Later, Open Banking, Payment Link and 2 more that Adyen does not list; Adyen adds ACH, Affirm, Afterpay and 29 more that Atoa does not list; Adyen also covers Africa, Asia and 6 more; only Adyen offers Enterprise, Instant Payout and 1 more.
Which is cheaper, Atoa or Adyen?
Atoa has no published rate; Adyen has published rates from Interchange + + $0.3. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Atoa and Adyen?
Atoa lists 0 regions and 10 payment methods; Adyen lists 8 and 37. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Atoa and Adyen compare on integration and settlement?
Adyen offers a sandbox, Atoa does not list one; Adyen supports webhooks; Atoa settles in x, Adyen in 1–3 business days.

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