Overview
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.

Atoa Instant Bank Pay + Xero
Connecting Atoa to Xero is quick and easy. Just head to your Atoa web dashboard, go to Addons > Integrations, select Xero, and follow the prompts to connect your account.
Once connected, a “Pay by Bank” button is added to every Xero invoice you send. Customers can pay in just two taps via their UK bank app or internet banking.
When a payment is made:
- Invoices are automatically marked as paid in Xero
- Funds settle instantly in your bank account
For delayed invoices, you can send simple one-click payment reminders directly from your Atoa dashboard.
Need help? Our support team is available via email, phone, or live chat to make sure everything runs smoothly.
Getting started
1. Sign up
- New to Atoa? Register in under five minutes via our website.
- Already using Atoa? Log in to your web dashboard.
2. Connect to Xero
- Go to My Account > Integrations and select Connect to Xero.
- Authorise Atoa to access your Xero account.
- Confirm the bank account where your Xero invoice payments will be sent.
3. Start getting paid
- A Pay by Bank button will now appear on every Xero invoice you send.
- Payments are instant, and invoices are automatically marked as paid in Xero.
Need help? Our UK-based Care Team is available via email or Live Chat anytime.
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