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Screenshots

  • Atoa Business screenshot 1
  • Atoa Business screenshot 2
  • Atoa Business screenshot 3
  • Atoa Business screenshot 4

About 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 [email protected] or visit www.paywithatoa.co.uk.

What’s new

Version 5.6.1 · Updated October 13, 2026

We've been crunching the numbers (yummmm) and fine-tuning Atoa's financial systems to make sure your payments are always secure and lightning-fast.

App privacy

The developer, Atoa Payments Ltd, reported these privacy practices to Apple.

Data Linked to You

The following data, which may be collected and linked to your identity, may be used for the following purposes:

  • Contact Info: Email Address, Physical Address, Name, Phone Number
  • Identifiers: Device ID, User ID
  • Usage Data: Product Interaction
  • Diagnostics: Crash Data, Performance Data
  • Financial Info: Payment Info

Used for: Developer’s Advertising or Marketing, Analytics, App Functionality

Alternatives to Atoa Business

Looking for apps like Atoa Business? Here are 6 similar apps on the App Store. The highest rated is GoSolo: Smart Business Account (5.0/5), and all 6 are free to download.

Atoa Business vs. alternatives
App Rating Price Last updated Compare
Atoa Business – Free October 13, 2026
GoSolo: Smart Business Account 5.0 / 5 (2) Free Oct 13, 2026 Compare
Xonder Business Account 4.7 / 5 (12) Free Apr 23, 2025 Compare
UBL UK - Business Banking 5.0 / 5 (2) Free May 14, 2026 Compare
Yotta Pay 3.7 / 5 (3) Free Aug 8, 2025 Compare
Go Get Paid – Free Jul 9, 2026 Compare
NeroPay – Free Oct 15, 2026 Compare

Compare Atoa Business with the top alternatives: ratings, updates, ASO score and keyword gaps →