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Billing & Fees How does billing work? It depends on how your customers pay. Pay by Bank – You receive 100% of the payment upfront into your business bank account. Atoa's fees are then… 1 min read Billing & Fees Does Atoa charge a minimum fee? Our standard rate of 0.7% works out at about 70p per £100 (UK) / €0.70 per €100 (EU). Instant payments at an unbeatable low rate can help boost your… 1 min read Billing & Fees Is there a discounted rate for charities? Atoa values the incredible work that charities do. That’s why we offer a reduced transaction rate from 0.7% to 0.3% for all UK- and EU-registered… 1 min read

Features & Addons How to view your payment history If you want to see how many payments your business has accepted with Atoa, head to My Account and Analytics to view your transaction history. This… 1 min read Features & Addons How can Google Reviews help my business with Atoa? What is the Google Reviews feature? Atoa asks customers to leave a review after they pay, securing more 5-star reviews for your business so it… 2 min read Features & Addons What is the Products feature about? Products lets you create and save a list of items you sell. Instead of typing product details each time you create an invoice, you can add them… 2 min read Features & Addons What are partial payments? Partial payments allow customers to pay an amount less than the full total. This is useful for large transactions or when you want to collect a… 1 min read Features & Addons How QR code receipt payments work (UK) This applies to UK businesses only. 🇬🇧 What is a QR code receipt? A QR code receipt is an easy way for bars or restaurants to accept payments from… 1 min read Features & Addons What are Communication Preferences? Communication Preferences allow you to choose how you’d like to receive updates from Atoa. You can control notifications by channel (Push… 2 min read Features & Addons Why am I not receiving payment notifications? If you’re not getting payment notifications from Atoa, don’t worry, you can follow these steps to fix it. If you’re using Google Chrome Click the… 2 min read Features & Addons How to link and manage in-store QR codes (UK) This applies to UK businesses only. 🇬🇧 Whether you’re running one shop or many, it’s easy to link the physical QR codes to your Atoa business account… 3 min read Features & Addons How do I connect my Atoa account to my Google Profile? The Google reviews feature is for Growth or Advance Add-on users. People trust businesses with good reviews—it shows you’re reliable. We’ve made it… 1 min read Features & Addons How to enable API access Ready to start accepting payments on your platform? You can easily enable your API access through your Atoa business app or dashboard. Let’s get… 1 min read Features & Addons What is bank feed? (UK) This applies to UK businesses only. 🇬🇧 Bank feed lets you connect your business bank accounts to Atoa so you can see your transactions, from Atoa and… 3 min read Features & Addons What is the Customers feature all about? The Customers feature lets you save your customer details in one place so you can track payments and send invoices faster. Why do I need the… 1 min read Features & Addons How to order in-store QR codes (UK) This applies to UK businesses only. 🇬🇧 Let’s walk you through the simple steps of ordering in-store QR codes to get started. How do I order a QR code… 2 min read Features & Addons How payment links work What are payment links? SMS payment links are shareable links that let customers make payments from their devices. They make remote payments more… 2 min read Features & Addons How invoice payments work Why are Atoa invoice payments good for business? Connect your accountancy software to Atoa and let clients pay invoices instantly from their bank… 1 min read Features & Addons How Atoa in-store QR code payments work (UK) This applies to UK businesses only. 🇬🇧 Scan, pay, go. It's that simple with Atoa's in-store QR codes . Upgrade your in-store experience, make your… 2 min read Features & Addons What are Payment Pages? Payment Pages let you accept and manage payments from multiple customers, all in one place. You can collect customer details, share a single link or… 1 min read Features & Addons What is Recovery AI? Recovery AI is Atoa’s AI-powered collections assistant that helps you follow up on pending payments—automatically. It makes polite, professional… 3 min read Features & Addons How do bulk payment links work? What is the bulk payment link feature? Atoa's bulk payment link feature helps you save time by sending multiple payment links simultaneously. How do… 2 min read Features & Addons What is the Invoice feature on Atoa? Create invoices instantly, get paid quickly, and keep your sales organised. With Atoa Invoices, you can send professional, branded invoices in… 2 min read Features & Addons How do I turn on my notifications for the Atoa Business dashboard? In order to receive notifications, please enable them on your dashboard by following: My Account==>Settings==> press the toggle to enable… 1 min read Features & Addons How to collect tips on Atoa Everyone loves a tip! As a business owner, you can increase your takings by 5-10% by collecting them when you accept payments with Atoa. Why you… 1 min read Features & Addons How do I add my business name to SMS payment requests? (UK) This applies to UK businesses only. 🇬🇧 What is the Custom SMS name feature? Custom SMS name lets you replace the default sender on your SMS payment… 4 min read Features & Addons How do I add my logo and brand colours to Atoa payments? Custom branding puts your own logo, colours and business name on the pages your customers see when they pay you. Available to Growth and Advanced… 1 min read

Getting Started Using Atoa in bars and restaurants Can I add Atoa to my point-of-sale system? Yes. Atoa integrates with leading hospitality POS systems, including Tevalis, Kurve, pointOne, TillTech,… 4 min read Getting Started How do I manage my Atoa account? Managing your Atoa account is straightforward whether you're at your desk or on the go. From adding your team and tracking payments to updating your… 4 min read Getting Started Can I follow Atoa on social media for updates? Yes! You can follow Atoa Payments on a variety of different platforms to keep up to date with our latest features and developments: Youtube-… 1 min read Getting Started My account has been suspended. How do I reactivate it? If you believe your account has been incorrectly suspended, you can appeal our decision by sending us further information at hello@paywithatoa.com .… 1 min read Getting Started How to add and manage employees on Atoa There are three ways for your employees to be added to your Atoa account. Employees can scan the QR code on the app Employees can scan the back of… 1 min read Getting Started Using Atoa for online and ecommerce payments How does Atoa work for online businesses? Atoa lets you add Pay by Bank and card payments as options at your online checkout, giving customers the… 3 min read Getting Started How do I change my linked bank account? You can edit your bank account details directly from your Atoa account settings. Go to Settings and select Manage Bank Accounts . Click the three… 2 min read Getting Started Can I manage multiple businesses or locations from one Atoa account? Yes. You can add and manage multiple business locations under one Atoa account. Each location operates independently with its own QR codes, payment… 1 min read Getting Started My business is seasonal, will my account be closed due to inactivity? Here at Atoa, we understand that every business is different and may have different needs. Therefore, we will not delete an account due to… 1 min read Getting Started What is two-step authentication (2FA)? Two-step authentication (2FA) or two-factor authentication adds an extra layer of security to your Atoa account. Along with your password, you'll… 6 min read Getting Started How to verify your business on Atoa Why verify your business? When you first sign up with Atoa, there's a £20 (UK) / €24 (EU) limit on payments. Verify your business to lift this limit… 1 min read Getting Started Does the customer need to download an app to pay with Atoa? To pay using Atoa, the customer needs a mobile phone with a banking app registered on it. Atoa payments are automatically opened in the smartphone… 1 min read Getting Started How to use Atoa for payments Atoa helps UK and EU businesses accept both Pay by Bank and card payments in one simple platform. With Pay by Bank, customers pay directly from their… 2 min read Getting Started Is Atoa secure? Yes. Security is built into every payment made through Atoa. When customers pay using Pay by Bank , the payment is authorised directly in their own… 1 min read Getting Started I've been asked to re-verify my account, why? (Re-KYC) I've been asked by Atoa to re-verify my account, why? Atoa often requests merchants to re-verify their account details as part of our continuous… 1 min read Getting Started How to close your Atoa account Atoa respects your privacy, so we make it easy for you to close your account and delete your data. Steps to delete your account Please send our… 1 min read Getting Started Using Atoa in clinics and healthcare practices How does Atoa work for clinics? Atoa helps dental practices, vet clinics, physiotherapists, and other healthcare providers take instant payments and… 3 min read Getting Started How to create a custom role for your staff? Sometimes, our standard roles like cashier and supervisor don’t match what your staff needs. That’s why we’ve made it easy for you to create custom… 1 min read Getting Started Can I accept international payments with Atoa? It depends on where your business is based and how your customer pays. UK businesses - You can take Pay by Bank payments from customers with UK bank… 1 min read Getting Started My Atoa Business account application was declined Our security team carefully reviews each application to protect existing businesses and customers. We understand that being declined for an account… 1 min read Getting Started Can I refer other businesses to Atoa? (UK) This applies to UK businesses only. 🇬🇧 Yes! If you know of another business who would really benefit from Atoa, you can send them a referral link… 1 min read Getting Started Using Atoa in your automotive business How can Atoa help me take payments for vehicles, servicing, or repairs? Atoa helps dealerships and garages take payments quickly and securely,… 4 min read Getting Started Can I use Atoa for my Facebook Marketplace or Gumtree business? No. Atoa merchants are strictly not permitted to use Atoa for payments via third-party marketplaces like Facebook Marketplace, Gumtree, etc. Any… 1 min read Getting Started Using Atoa in hair and beauty businesses How does Atoa work for salons and clinics? Atoa helps salons and beauty clinics take instant bank payments and card payments in one place, whether… 2 min read Getting Started Can I use Atoa as a sole trader? Unfortunately, as of 10 January 2025, Atoa doesn’t support new signups for sole traders. To use our services, you'll need a company or charity… 1 min read Getting Started What is Atoa, and how does it work? Atoa is a payment provider for UK and EU businesses that helps them accept Pay by Bank and card payments through one simple platform. With Pay by… 3 min read

Integrations How do I connect Atoa to Dentally? Available for UK businesses. Coming soon for EU businesses. There are four ways to use Atoa with Dentally: Atoa dashboard – Send payment links and… 5 min read Integrations Can I use Atoa for e-commerce payments? Available for UK businesses. Coming soon for EU businesses. Use Atoa with WooCommerce for WordPress for instant online payments Atoa is now fully… 1 min read Integrations How do I manage payment methods after installing Atoa on Shopify? Available for UK businesses. Coming soon for EU businesses. Once you’ve installed Atoa on your Shopify store, we recommend a few optional steps to… 1 min read Integrations How to Connect QuickBooks with Your Atoa Account Available for UK businesses. Coming soon for EU businesses. Connecting your QuickBooks account to Atoa is a great way to simplify how you send… 3 min read Integrations How to connect Atoa and Xero for instant invoice payments Available for UK businesses. Coming soon for EU businesses. Swap expensive card fees and slow bank transfers to get paid instantly from your… 5 min read Integrations Introducing Atoa Pay by Bank for Shopify Available for UK businesses. Coming soon for EU businesses. Atoa lets you accept secure, bank-to-bank payments on your Shopify store. It’s quick to… 1 min read Integrations How to connect Atoa-Pay by Bank with your Shopify account Available for UK businesses. Coming soon for EU businesses. Integrating Atoa with your Shopify store lets your customers pay you directly through… 3 min read Integrations Does Atoa integrate with accounting software like Xero, Sage, or QuickBooks? Available for UK businesses. Coming soon for EU businesses. Yes, Atoa easily integrates with accounting platforms like Xero , QuickBooks , and Sage.… 1 min read Integrations Can I use Atoa with my point-of-sale system? Available for UK businesses. Coming soon for EU businesses. Yes , we are currently fully integrated with Tevalis , pointOne , TillTech , Keyloop ,… 1 min read Integrations Which platforms does Atoa integrate with? Available for UK businesses. Coming soon for EU businesses. Atoa connects to the tills, accounting tools, online stores, practice software and… 2 min read

Pay by Bank Is there a limit on how much I can receive for a single transaction? Yes, the limit per transaction is £15,000 (UK) / €18,000 (EU) due to AML regulation. Anything more would require additional confirmation from the… 1 min read Pay by Bank Can I request a single payment limit over £15,000? Atoa has a standard payment limit of £15,000 (UK) / €18,000 (EU) per transaction. This limit can be increased to £25,000 (UK) / €30,000 (EU) for… 1 min read Pay by Bank My Pay by Bank payment has been declined. Why? Declined payments are rare, but we understand it can be inconvenient for you. Read on to find out how this can be resolved. Why was my customer's Pay… 1 min read Pay by Bank What is Pay by Bank? Pay by Bank is a secure way for customers to pay a business directly from their bank account. Instead of entering card details, the payment is… 3 min read Pay by Bank Which UK banks can my customers pay from with Atoa? Customers choose their bank on the Atoa payment page and approve the payment in their own banking app. These are the UK banks currently supported.… 1 min read

Pay by Card My card machine isn't working... Troubleshooting Your Card Machine 1. Check the Basics 💡 95% of card machines issues can be resolved by following these two steps. Wi-Fi Signal:… 1 min read Pay by Card How do I change the paper roll? Changing the till roll is quick and easy. Pull the latch on top of the terminal’s printer cover to open it. Place the paper roll inside with the… 1 min read Pay by Card Card Payment Errors Explained If a card payment fails, you’ll see an error code against the invoice in your Atoa dashboard. Match the error code below to understand why the… 11 min read Pay by Card What is Rapyd Payments Limited? (UK) This applies to UK businesses only. 🇬🇧 Rapyd provides Atoa's card payment services. Rapyd is a major global card acquirer and provides payment… 1 min read Pay by Card How to enable tips and split bills By default, Tips and Split Bills are disabled on Atoa terminals. How to Enable Swipe up from the right-hand side of the terminal screen. Select… 1 min read Pay by Card Accessing settings You can access our Settings area by swiping up from the right-hand side of the terminal screen. You'll then see the button for "Settings". 1 min read Pay by Card Do you support MOTO payments? Yes, we support MOTO (mail order/telephone order) payments for cards. To enable MOTO, contact our Care team. MOTO payments are charged at the… 1 min read Pay by Card How do I generate a end of day card report? Generating a end-of-day or end-of-shift summary report (also known as a "X Report" in three easy steps. Swipe up from the right-hand side of the… 1 min read Pay by Card Can I accept debit card payments on Atoa? Yes, you can. Atoa now supports both debit and credit card payments , including Visa, Mastercard, American Express (UK), Apple Pay and Google Pay .… 1 min read Pay by Card How to update your password What is a password? The default password for voiding transactions on your terminal is 9299 . For security reasons, we strongly recommend updating… 1 min read Pay by Card Getting started with my card terminal Atoa now offers payment via Terminals for Card Payments and Pay by Bank Payments. I've just received my new card terminal, what should I do first?… 3 min read Pay by Card Voiding and refund card payments Difference between "void" and "refunds" Voids – If a transaction has been completed but you wish to return funds to the customer before settlement… 1 min read Pay by Card Connecting to Wi-Fi on your A920 Pro Connecting Atoa to the internet is quick and easy... Power on your terminal by holding down the button on the right-hand side. Wait until a “No… 1 min read Pay by Card Why did my card payment fail? Your card payment can fail if your bank declines it, your card details or authentication weren't accepted, or there was a temporary technical issue.… 1 min read Pay by Card Purchasing a card machine Buying a PAX A920 Pro Atoa currently offers the PAX A920 Pro card machine to UK and EU businesses. Built on Android 10, it's an advanced card machine… 1 min read Pay by Card What is Rapyd Europe hf? This applies to EU businesses only. Rapyd provides Atoa's card payment services in the EU. Rapyd is a major global card acquirer and provides payment… 1 min read Pay by Card My card payment has been declined. Why? A card payment can be declined for a few common reasons: Insufficient balance: there isn't enough money in the account, or the card has reached its… 1 min read

Pay Later How does Atoa Pay Later work? (UK) This applies to UK businesses only. 🇬🇧 Atoa Pay Later lets your customers spread the cost of a purchase over 3, 12, or 24 monthly instalments, on… 8 min read

Refunds & Disputes I paid for something I didn't receive, can I get a refund? Each Atoa payment is a direct bank transfer from the Customer to the Merchant. Atoa is not liable for transactions on its platform, does not handle… 2 min read Refunds & Disputes How to refund customers with Atoa (UK) This applies to UK businesses only. 🇬🇧 This article is for businesses using Atoa Instant Settlement. For customers using Atoa Payouts (End of Day… 1 min read Refunds & Disputes I’ve paid for goods using Atoa which I haven’t received If you paid a UK business, you may have been impacted by Authorised Push Payment (APP) fraud. Contact your Bank immediately to raise your concern,… 1 min read Refunds & Disputes Shopping on Facebook Marketplace Atoa advises consumers to not pay Atoa links sent from Facebook Marketplace merchants. Atoa merchants are strictly not permitted to use Atoa for… 1 min read Refunds & Disputes Are there any risk of chargebacks on Atoa? Pay by Bank does not support chargebacks, but APP regulations do apply (UK)... Pay by Bank payments cannot be charged back, in the UK or the EU. Each… 1 min read Refunds & Disputes How do chargebacks work? What is a chargeback? A chargeback happens when a customer asks their bank to refund a payment made by debit or credit card because they believe the… 3 min read Refunds & Disputes What happens if there is a dispute with my transaction? Talk to the business or customer first If there is any dispute regarding a transaction reach out to the business. Contact your bank If you are unable… 1 min read Refunds & Disputes Paying in-store with Atoa If you're a customer who’s paying a business using Atoa, this section is for you. Here are answers to common questions about how it works and what to… 3 min read

Settlements & Payouts My Pay by Bank settlement is delayed, why? What is Settlement? “Settlement” is when Atoa pays out funds to your nominated business bank account. The timing of settlement depends on the payment… 1 min read Settlements & Payouts When do I get paid? (Settlements) The moment a customer pays, the clock starts. Here's exactly when you can expect the money in your account, depending on how they paid. When does the… 2 min read Settlements & Payouts What is Next Day Payouts for Pay by Bank? (UK) This applies to UK businesses only. 🇬🇧 Please note, this feature is available only to businesses using our Next Day Payouts service for Pay by Bank,… 2 min read Settlements & Payouts How do I sign up for payouts? (UK) This applies to UK businesses only. 🇬🇧 Please note, this feature is available only to businesses using our 'Payout' service that payouts funds at end… 1 min read Settlements & Payouts My card settlement is delayed, why? What is Settlement? “Settlement” is when Atoa pays out funds to your nominated business bank account. The timing of settlement depends on the payment… 2 min read Settlements & Payouts Why do I need the Payouts feature to use Atoa with Shopify? Available for UK businesses. Coming soon for EU businesses. Shopify requires the ability to process instant refunds directly from their admin… 2 min read Settlements & Payouts How do I issue a refund with Pay by Bank? (UK) This applies to UK businesses only. 🇬🇧 Please note, this answer is for businesses using our 'Payout' service that processes refunds through… 1 min read Settlements & Payouts I have a question regarding a specific payout? (UK) This applies to UK businesses only. 🇬🇧 Please note, this feature is available only to businesses using our 'Payout' service that provides end-of-day… 1 min read

Some Legal Bits Data Subject Access Requests Atoa respects your privacy. Please contact our Care Team at hello@paywithatoa.com with the email subject title “Data Subject Access Request”. We'll… 1 min read Some Legal Bits How can I make a complaint? Atoa is committed to providing you with the best service we possibly can, so if you have a suggestion for how we can improve, or you are disappointed… 1 min read Some Legal Bits Is Atoa FCA authorised? (UK) This applies to UK businesses only. 🇬🇧 Yes. Atoa Payments Limited is authorised by the UK Financial Conduct Authority (FCA) as an Authorised Payment… 1 min read Some Legal Bits How do I ask Atoa to delete my personal data? Email compliance@paywithatoa.com with the subject line "Data deletion request" . Include: Your full name The email address and phone number linked to… 2 min read