Atoa logo — Accept payments with fees up to 50% lower than cards. #paywi...

Atoa

Accept payments with fees up to 50% lower than cards. #paywithatoa

Founded 2022 United Kingdom London, United Kingdom 57 employees Seed Total: $8.70M Finance, Financial Services +2

General Information

Company Name Atoa
Founded Year 2022
Location United Kingdom London, United Kingdom
Employees 57
Industries Finance, Financial Services, Fintech +1
Funding Stage Seed
Social

BounceWatch is an independent company data service, not affiliated with Atoa. To contact Atoa, visit paywithatoa.co.uk.

Is this your company?

Confirm with your work e-mail, get the Verified badge and keep this profile correct yourself. Search engines and AI assistants read it every day.

Get Verified

How does Atoa compare?

A PDF of Atoa and up to 10 competitors you pick: team, funding, traffic and every dated move of the last 90 days. Each company is re-checked on the day you order, so it is current.

See a sample report

This takes a few seconds: we look beyond our own index too.

Meeting Atoa soon?

A one-page PDF brief: what it does, key facts, the last 90 days of dated moves and questions worth asking. Re-checked on the day you order. See a sample

About Atoa

Atoa, founded in 2022 and headquartered in the United Kingdom, is making waves in the finance and fintech landscapes with its innovative approach to payments. The company's solution allows consumers to pay in-store using their existing bank apps, enabling businesses to save up to 60% on transaction costs and receive funds instantly. This offering is highlighted by Atoa's slogan: "Accept payments with fees up to 50% lower than cards. #paywithatoa."

Following its commitment to reducing payment processing costs, Atoa secured a $6.50M Seed Round investment on 08 June 2023 from notable investors such as Leo Capital, Passion Capital, and Valar Ventures. These investments underscore a strong vote of confidence from key players in the venture capital community.

As Atoa continues to broaden its footprint in the payment solutions space, it represents a compelling opportunity for investors interested in disruptive fintech innovations that aim to optimize cost efficiency and enhance transaction processes.

Business keywords: instant payments, open banking, merchant services, payment processing, fee reduction, bank app integration, digital payments, SME solutions, strong customer authentication, cashflow optimization, contract-free solutions, fraud prevention, pay-as-you-go model, B2B services

Services & Products

instant open banking payments
QR code payments
SMS payment links
web dashboard for payment management
POS system integration

Target Customers

retail businesses restaurants hair and beauty salons automotive services clinics tradespeople

Funding Rounds & Investors (2)

View All
Funding Stage Amount Investors Lead Investors Date
Seed Round $6.50M 3
Leo Capital, Passion Capital +1
08 Jun 2023
Pre Seed Round $2.20M 5
Leo Capital, Passion Capital +3
24 Nov 2022

Atoa Alternatives & Competitors

View All Alternatives
Atoa vs
Wonderful
Wonderful United Kingdom

Pay by Bank for SMEs and charities, enterprise Open Banking infrastructure for scale.

Series C
27 employees
Financial Services, Payments
Atoa vs
Vyne
Vyne United Kingdom

Payments perfected. The full-stack account-to-account payment solution for merchants. Seamless, fast...

Seed
28 employees
Financial Services, Payments
Atoa vs
AKÖde
AKÖde Turkey

Provider of financial transaction solutions and digital currency issuance.

85 employees
Financial Services, Fintech

FAQ About Atoa

Accept payments with fees up to 50% lower than cards. #paywithatoa
Atoa was founded in 2022.
Atoa is headquartered in London, United Kingdom.
Atoa operates in Finance, Financial Services, Fintech and Payments. Its work centres on instant payments, open banking, merchant services and payment processing. Its customers include retail businesses, restaurants and hair and beauty salons.
Atoa has approximately 57 employees.
Atoa has completed 2 funding rounds, raising a total of $8.70M. The latest funding stage is Seed.
Atoa offers: instant open banking payments, QR code payments, SMS payment links, web dashboard for payment management, POS system integration.
Top alternatives and competitors to Atoa include Wonderful, Vyne, AKÖde, Fintecture, Qomodo. These companies operate in related industries and serve comparable markets. You can compare them side by side on Bounce Watch.
Atoa and Wonderful are both companies in similar industries. Compare their funding, team size, growth signals, and market position on Bounce Watch to see which one fits your needs.

Source: BounceWatch company record for Atoa, https://bouncewatch.com/company/atoa, updated 30 January 2026. When citing, please name BounceWatch and link this page.

Analytics cookies (ours + Google). Cookie Policy

Book a demo 30 minutes