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Atoa Instant Bank Pay

By Atoa Instant Bank Pay
5 out of 5 stars
Free 7 day trial available
Get this app
Instant payments, lower fees. Accept instant invoice payments directly from your customer’s UK bank account. Pricing starts at 0.7% + 10p per transaction with custom pricing for high-volume businesses. Sign up to Atoa in just five minutes and get 7 days of absolutely free payments.
Rated
5.0
out of 5
Reviewed by
5
Xero users
Try this app
Free 7 day
trial available
Key functions
Invoicing and jobs
Payments

Overview

Atoa allows businesses to accept payment via UK Bank App or Internet Banking. Our service is designed for businesses who send payment invoices to customers and want to avoid high fees charged by card companies.

How Atoa can help your business

  • Reduce payment fees by up to 60%
  • Get paid instantly and boost cash flow
  • Collect in-store and SMS payments
  • Eliminate manual admin work with every payment synced in your Xero system
  • Enjoy zero chargeback risk

Sign up in less than five minutes and enjoy 7 days of free payments with no contracts or hidden charges.

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 will appear on every Xero invoice. Paid invoices are automatically marked as paid and fully reconciled with your Xero account.

Need help? Our Care Team is always here to assist. You can chat to us via email or Live Chat anytime.

Reviews & ratings

5.0 out of 5 stars
5 Reviews

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Most recent reviews

DP
Danielle Powell
Posted 7 Aug 2025
5 out of 5 stars
We were initially hesitant to use an online payment service due to the high fees, but when we saw the lower fees offered by Atoa, we decided to give it a try, and we wish we had done it sooner! Since signing up to atoa, we’ve noticed our invoices are being paid straight away. The service has been smooth, cost-effective, and has made a real difference to our cash flow. Highly recommend!

Response from Atoa Instant Bank Pay

Wow, what a review! Thanks so much, Danielle, we really appreciate your kind words. Thank you for your business. - Team Atoa
TW
Teresa Walsh
Posted 7 Aug 2025
5 out of 5 stars
Straight forward to attach to invoices Quick settlement, highly recommend

Response from Atoa Instant Bank Pay

Thanks Teresa, we really appreciate your feedback. - Team Atoa
RA
Raghad Aziz
Posted 15 Aug 2024
5 out of 5 stars

Atoa review

It is an excellent app, very fast and instant payment. Well done

Response from Atoa Instant Bank Pay

Thank you, Raghad, for your kind review. - Team Atoa

Additional info

Shared data

Xero
Atoa Instant Bank Pay
Paymentsshared from Atoa Instant Bank Pay to Xero
Invoicesshared from Xero to Atoa Instant Bank Pay

Functions

Invoicing and jobsPayments

Industries

Professional servicesConstruction and tradesAccounting

App details

By Atoa Instant Bank Pay

7 day free trial available

Although Xero reviews each app in the Xero App Store, we can’t give any guarantees. It’s up to you to assess the performance, quality and suitability of any app before going ahead.