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Atoa Business

Atoa Business

UK Instant Bank Pay

0 ratings
3 reviews
With Ads
💰 Finance
🛍️ Shopping
Free
With Ads

Details

  • Released
  • Updated
  • August 27, 2022
  • June 18, 2026

Features

Developer

Atoa Payments Ltd
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Atoa Business screenshot #1 for iPhone
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Atoa Business screenshot #10 for iPhone
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About

Accept payments at significantly lower fees than traditional card transactions. Customers scan a QR code to pay directly from their UK mobile banking app, with funds received in seconds. No contracts or hidden fees.

✓Accept payments via QR codes or links
✓Up to 60% lower transaction fees
✓Instant bank transfers for customers
✓Funds received in seconds
✓Accept customer tips
✓No app download required for customers
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What's New in Atoa Business

5.4.6

June 18, 2026

A quick update with not that much to update…our team has been sweating the small stuff so you can enjoy quick and easy payments without any hiccups. Thanks for staying in the know!

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User reviews

Most RecentHighest RatedLowest Rated

ATOA are SCAMMERS

SCAM!!! Signed up to their platform and was asked for the basics (KYC) which I provided. I then received a templated email requesting further details, I provided these and the email responded stopped and I found my account was locked. This company are certainly sneaky to say the least and gather personal details and collect data with no intentions to provide their services. The 5 star reviews are 100% FAKE!! Look at the 1 star reviews and you’ll get a picture of how they operate and scam you out of your details. Steer clear from this company and use reputable services! Scammers is the only word to describe this ATOA
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Best yet

If you run a small business and don’t have this then you are seriously missing out
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Great for small businesses

Simple app, saves on card fees and pays instantly. Finally a viable alternative to card payments. Whats not to like?!?
Christinne VeskChristinne Vesk

FAQ

What is Atoa Business?

Atoa Business is a UK-based financial app that allows businesses to accept instant bank payments from customers via QR codes or payment links. It aims to offer lower transaction fees compared to traditional card processing.

How secure are transactions with Atoa Business?

Transactions are secured by the customer's bank and Atoa operates under a UK Financial Conduct Authority license. Funds are transferred directly by the consumer's bank, ensuring a secure payment process.

Does Atoa Business have ads?

Yes, Atoa Business contains advertisements. As a free service, it utilizes ads to support its operations.

What are the fees for using Atoa Business?

Atoa Business offers transaction fees up to 60% lower than traditional debit and credit card transactions. There are no contracts or hidden fees.

How quickly do merchants receive funds?

Merchants receive funds directly to their bank account in seconds, not days, after a customer completes a payment.

Can customers pay tips through Atoa Business?

Yes, Atoa Business allows customers to pay tips to both the merchant and their staff directly through the payment process.

What devices does Atoa Business support?

Atoa Business is available on iPhone and iPod devices. It is designed for use with UK mobile banking apps.

How often is Atoa Business updated?

The latest version of Atoa Business is 5.3.0, last updated on March 30, 2026. Updates ensure the app remains reliable and secure for users.