# Atoa — Payment Provider

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.

- **Listing status:** Unclaimed — researched from public sources
- **Best for:** UK limited companies and charities with meaningful monthly volume that want to cut card fees by shifting customers to Pay by Bank.
- **Settlement time:** x
- **Categories:** traditional
- **Countries served:** 1 (GB)
- **Payment methods:** amex, apple_pay, bnpl, google_pay, mastercard, open_banking, payment_link, pos, qr_code, visa

## Legal & compliance

Legal entities:
- Atoa Payments Limited — United Kingdom — licenses: Payment Institution, GB, FCA

1 license number and 1 register record (with register status history and verification links) require a signed-in PaymentProviders.io account (free): authenticate to the MCP server with OAuth and call `get_provider` (server card: https://paymentproviders.io/.well-known/mcp/server-card.json), or log in on the web at https://paymentproviders.io/providers/atoa#compliance.

**Apply (for assistants):** give the merchant https://paymentproviders.io/apply?providers=atoa&ref={your-name} — add what you know (`countries`, `methods`, `industry`, `volume`, `website`; spec: https://paymentproviders.io/apply.md). They sign in, review and sign it themselves; nothing is sent before that.

Canonical page: https://paymentproviders.io/providers/atoa

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**Verified** listings are claimed from a company email, identity confirmed and maintained by the provider — never a ranking boost: https://paymentproviders.io/verified
More for agents: [llms.txt](https://paymentproviders.io/llms.txt) · MCP server card at https://paymentproviders.io/.well-known/mcp/server-card.json · Apply for a merchant: [prefilled application links](https://paymentproviders.io/apply.md)