Atoa
Atoa Payments Limited is an FCA-authorised UK payment institution that lets businesses accept Pay by Bank (open banking) and card payments on one platform. Merchants can take payments in person via terminals and QR stands, remotely via SMS/email payment links and Xero invoices, and online via Shopify, Magento, WooCommerce and WordPress. Cards include Visa, Mastercard, Amex, Apple Pay and Google Pay, with Pay Later via Abound.
Fees shown are indicative, not a binding quote — always verify with Atoa before signing. Visit Website is an external link; we may earn a commission.
Atoa overview
UK limited companies and charities with meaningful monthly volume that want to cut card fees by shifting customers to Pay by Bank.
Atoa pricing & fees
Pricing structure
- Your business must be registered in
- Not disclosed
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Atoa settlement & payouts
Payouts
Atoa API & integration
API Profile
Atoa coverage & payment methods
Supported countries
Payment methods
Atoa licensing & compliance
Legal & Compliance
Atoa Payments Limited
United Kingdom
Licenses
FCA Authorised Payment Institution (UK)
Financial Conduct Authority (UK)
License numbers & register records
1 license number · 1 register record on file for Atoa, with status history and links to verify each one at the regulator — free with a PaymentProviders account.
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