# Atoa Business — UK Instant Bank Pay > UK business payment solution accepting instant bank transfers via QR codes. (iPhone/iPad app by Atoa Payments Ltd.) - Source: https://appshunter.io/ios/app/atoa-business/id1620667507 (this page in markdown: same URL + `.md`) - Developer: [Atoa Payments Ltd](https://appshunter.io/developer/1618270401) - Category: Finance, Shopping - Price: Free - Age rating: 4+ - Requires: iOS 15.0 · 122 MB - Languages: American English - Released: 2022-08-27 - Data updated: 2026-07-24 - Monetization: ad-supported - User reviews in markdown: https://appshunter.io/ios/app/atoa-business/id1620667507/reviews.md ## What is Atoa Business? Atoa Instant Bank Pay allows UK businesses to accept payments at up-to 60% lower fees versus traditional debit and credit card transactions. Customers simply scan a QR code in-store to pay directly via their UK mobile banking app. Funds are paid out to the merchant in seconds and there's no contracts or hidden fees. Sign-up in minutes and enjoy 7-days of free transactions! Features - Pay using In-Store QR Stand, QR Code on Phone, or SMS/Email Link - Transaction fees are up-to 60% lower fees versus Visa/Mastercard/AMEX - Customers pay securely using their Bank App via an "Instant Bank Transfer" - Merchants receive funds to your Bank account in seconds (not days) - Allow your customers to pay tips to you and your staff - Customers don't need to download any new apps How do I sign up? - Atoa allows Small Businesses to sign-up in seconds - Simply download the app and connect your UK Bank Account Atoa operates under a UK Financial Conduct Authority license. Funds are transferred by the Consumer's Bank, making every transaction secure. Got a question? - Contact our UK-based Customer Success Team at hello@paywithatoa.co.uk or visit www.paywithatoa.co.uk. ## Key features - 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 ## Recent user reviews (3 of 3) All indexed reviews: https://appshunter.io/ios/app/atoa-business/id1620667507/reviews.md ### 1/5 — ATOA are SCAMMERS *2024-11-16, version 4.3.1* 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 ### 5/5 — Best yet *2024-09-25, version 4.1.3* If you run a small business and don’t have this then you are seriously missing out ### 5/5 — Great for small businesses *2023-12-20, version 3.0.6* Simple app, saves on card fees and pays instantly. Finally a viable alternative to card payments. Whats not to like?!? ## Frequently asked questions about Atoa Business ### 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. ## Version history (last 5 releases) ### 5.4.8 — 2026-07-21 Celebrating the teamwork and passion that drives your independent business every single day. We’ve run some routine maintenance to keep your app in championship-winning shape. ### 5.4.7 — 2026-07-06 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! ### 5.4.6 — 2026-06-18 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! ### 5.4.5 — 2026-06-17 We found a few bugs that were causing trouble. We squashed 'em and now your app is running smoothly. Thanks for staying up-to-date! ### 5.4.1 — 2026-05-25 Card on File is here. 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Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-07-24.*