Atoa is a Pay by Bank solution that lets your customers pay Xero invoices directly from their UK bank app. Trusted by thousands of UK businesses, Atoa helps cut payment fees by up to 50%, improve cash flow with instant settlement, and reduce finance team admin.

Atoa integrates seamlessly with Xero to offer instant, secure Pay by Bank payments on every invoice. No cards. No intermediaries. Just a direct bank-to-bank payment experience your customers already trust.

It’s simple to set up and intuitive to use. Atoa removes the complexity of getting paid. Whether you send invoices via Xero, collect in-person payments, or take deposits remotely via SMS or QR code, Atoa keeps everything in one streamlined platform.

How Atoa can help your business:

• Reduce payment fees by up to 50%
• Get paid instantly to boost your cash flow (funds settle in seconds)
• Close more invoices with frictionless payment journey (no sort codes or account numbers required)
• Give your clients a tailored checkout experience with payment pages customised to your business
• Allow customers to pay you in chunks via our partial payments feature
• Eliminate manual admin work with every payment synced in your Xero system
• Collect in-person or remote payments via SMS, WhatsApp, or email
• Enjoy zero chargeback risk
• Collect Google reviews with every transaction (only post 4-5 star reviews)
• Send automated payment reminders for unpaid invoices

We’re here to make payments effortless. Our support team is available by email, phone, and live chat whenever you need assistance.