Insights

Cost-Effective Payments Atoa offers significantly lower transaction fees and faster settlement processes, making it an attractive solution for cost-conscious businesses seeking to improve cash flow and reduce operational expenses in their payment infrastructures.

Diverse Payment Support The platform supports a broad range of payment methods including Pay by Bank, card payments, SMS and email links, and online checkout, providing sales teams with opportunities to target businesses looking for comprehensive and flexible payment options.

Growth Potential With a customer base across various sectors such as retail, healthcare, automotive, and professional services, there is a significant opportunity to expand within these industries, especially those prioritizing digital transformation and efficient financial management.

Innovation Focus Atoa is building next-generation payment infrastructure leveraging open banking and intelligent payment flows, appealing to forward-looking companies interested in cutting-edge financial technology solutions that can help them scale confidently.

Financial Stability Scope Generating revenues between one and ten million dollars and operating in a competitive landscape with well-funded peers, Atoa presents a viable partnership opportunity for firms seeking to innovate in payment processing and open banking ecosystems.

Atoa Tech Stack

Atoa uses 8 technology products and services including MySQL, Gartner, Mastercard, and more. Explore Atoa's tech stack below.

  • MySQL
    Database
  • Gartner
    Intelligence And Analytics
  • Mastercard
    Payment Processing
  • PayPal
    Payment Processing
  • On-Site
    Real Estate Property Management
  • Gocardless
    Recurring Billing
  • LinkedIn Share Plugin
    Social Sharing
  • YouTube
    Video Players

Media & News

Atoa's Email Address Formats

Atoa uses at least 1 format(s):
Atoa Email FormatsExamplePercentage
First@paywithatoa.co.ukJohn@paywithatoa.co.uk
100%

Frequently Asked Questions

Where is Atoa's headquarters located?

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Atoa's main headquarters is located at London, England United Kingdom. The company has employees across 3 continents, including EuropeAsiaSouth America.

What is Atoa's stock symbol?

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Atoa is a publicly traded company; the company's stock symbol is ATOAX.

What is Atoa's official website and social media links?

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Atoa's official website is paywithatoa.co.uk and has social profiles on LinkedInCrunchbase.

What is Atoa's NAICS code?

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Atoa's NAICS code is 52 - Finance and Insurance.

How many employees does Atoa have currently?

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As of April 2026, Atoa has approximately 60 employees across 3 continents, including EuropeAsiaSouth America. Key team members include Chief Commercial Officer (cco): J. M.Head Of Sales & Partnerships: I. G.Co-Founder & Cto: A. R.. Explore Atoa's employee directory with LeadIQ.

What industry does Atoa belong to?

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Atoa operates in the Financial Services industry.

What technology does Atoa use?

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Atoa's tech stack includes MySQLGartnerMastercardPayPalOn-SiteGocardlessLinkedIn Share PluginYouTube.

What is Atoa's email format?

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Atoa's email format typically follows the pattern of First@paywithatoa.co.uk. Find more Atoa email formats with LeadIQ.

When was Atoa founded?

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Atoa was founded in 2022.

Atoa

Financial ServicesEngland, United Kingdom51-200 Employees

Atoa is a UK-based, FCA-authorised payments institution (FRN 1007647) helping businesses accept Pay by Bank and card payments through one simple, powerful platform.

We enable faster settlement, lower transaction fees, and simpler financial operations — so businesses keep more of what they earn and improve cash flow from day one.

With Pay by Bank, UK businesses benefit from:
• Significantly lower fees
• Faster settlement, 365 days a year
• Zero chargebacks

Through our partners, Atoa also supports card payments via card terminals, SMS and email payment links, phone, app, invoice, and online checkout — all managed in one unified dashboard with real-time reporting and reconciliation.

Thousands of UK businesses across retail, healthcare, automotive, online, and professional services trust Atoa to power their payments. We’re proudly rated “Excellent” on Trustpilot (as of Feb 2026).

We’re building the next generation of UK payments infrastructure — combining Open Banking, card acquiring, and intelligent payment flows to help businesses reduce costs, operate more efficiently, and scale with confidence.

Get started in minutes at paywithatoa.co.uk or download the “Atoa Business” app.

Section iconCompany Overview

Headquarters
London, England United Kingdom
Stock Symbol
ATOAX
NAICS Code
52 - Finance and Insurance
Founded
2022
Employees
51-200

Section iconMedia & News

Section iconFunding & Financials

  • $1M$10M

    Atoa's revenue is estimated to be in the range of $1M$10M

Section iconFunding & Financials

  • $1M$10M

    Atoa's revenue is estimated to be in the range of $1M$10M

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