Atoa

Atoa helps UK businesses accept instant open banking payments with fees up to 50% lower than cards.

Customers pay directly from their bank app and businesses receive funds instantly.

18/05/2026

Your Shopify checkout design and payment fees are more connected than most merchants realise, and optimising one can improve both.

We've put together a full breakdown of how checkout design impacts payment fees and conversion rates for UK Shopify stores.

14/05/2026

Variable Recurring Payments (VRPs) are one of the most exciting developments in UK. They let businesses collect recurring payments that vary in amount, without the customer re-authorising each time.

We've broken down everything you need to know and why smart businesses are already taking notice.

12/05/2026

Your payment method affects your cash flow more than you think.

Card payments take 2–5 days to settle. Bank transfers arrive the same day.

When you're managing invoices, payroll, or supplier payments, that difference matters.

Pay by bank puts money in your account faster, so you can run your business with more confidence. 💪

Learn more at paywithatoa.co.uk

08/05/2026

Late invoices are one of the biggest cash flow killers for UK SMEs.

The good news? The payment method you offer makes a huge difference in how quickly (and whether) you get paid.

We've written about how instant bank transfer, linked directly to Xero, is helping UK businesses cut late payment rates significantly.

06/05/2026

5 signs you're paying too much in payment processing fees:

1️⃣ Your fees are a % of every transaction (not a flat rate)
2️⃣ You're waiting 2–5 days for settlements
3️⃣ You've dealt with chargebacks in the last 12 months
4️⃣ You're on a default payment plan with your platform
5️⃣ You've never actually reviewed what you're paying

Sound familiar? It might be time to look at a smarter option.
👉 paywithatoa.co.uk

30/04/2026

Stripe is the default for many Xero users. But is it the best option for UK businesses?

We've compared Pay by Bank against Stripe for collecting invoice payments, looking at fees, speed, and cash flow impact. For UK businesses, the numbers tell a pretty clear story.

28/04/2026

For most businesses, it's somewhere between 1.5% and 3% and it adds up fast.

There's a reason thousands of UK businesses are switching to Pay by Bank. The fees are a fraction of the cost, payments arrive instantly, and there are no chargebacks to deal with.

24/04/2026

Most Xero users don't realise how much card processing adds up on top of their invoices. We've done the numbers for 2026 and the results might surprise you.

22/04/2026

More businesses and more customers are choosing instant bank transfers over card payments.

Lower fees. Faster settlement. Zero chargebacks.

The shift is already happening. Is your business ready?

16/04/2026

Your checkout is leaking revenue. Here's why.

Slow load times, too many steps, and friction at the payment stage are quietly killing your Shopify conversion rate.

We've identified the hidden factors most merchants overlook, and how fixing them can meaningfully improve how many customers actually complete their purchase.

Address

30 Churchill Place
London
E145RE

Website

http://www.paywithatoa.co.uk/

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