Atoa is a UK-based, FCA-authorised payments institution (FRN 1007647) helping businesses accept Pay by Bank and card payments through one simple, powerful platform. We enable faster settlement, lower transaction fees, and simpler financial operations — so businesses keep more of what they earn and improve cash flow from day one. With Pay by Bank, UK businesses benefit from: • Significantly lower fees • Faster settlement, 365 days a year • Zero chargebacks Through our partners, Atoa also supports card payments via card terminals, SMS and email payment links, phone, app, invoice, and online checkout — all managed in one unified dashboard with real-time reporting and reconciliation. Thousands of UK businesses across retail, healthcare, automotive, online, and professional services trust Atoa to power their payments. We’re proudly rated “Excellent” on Trustpilot (as of Feb 2026). We’re building the next generation of UK payments infrastructure — combining Open Banking, card acquiring, and intelligent payment flows to help businesses reduce costs, operate more efficiently, and scale with confidence. Get started in minutes at paywithatoa.co.uk or download the “Atoa Business” app.