# Atoa

Atoa is an other based in London, United Kingdom.

## Overview

- **Organization type:** other
- **Headquarters:** London, United Kingdom
- **Region:** Europe
- **Address:** London, United Kingdom
- **Assets under management:** Undisclosed
- **Website:** paywithatoa.co.uk
- **LinkedIn:** https://www.linkedin.com/company/atelieratoa

## Regulatory record

- **Reports private funds:** No

## About

Accept Pay by Bank and card payments with Atoa. Payment links, QR codes, POS, online checkout and more. Cut fees, boost cash flow. Sign up in 5 minutes.

## Sectors

- FinTech
- Payments

## Questions

### Is Atoa a pure open-banking play, or does it also process traditional card payments?

Atoa processes both. Its platform accepts Visa, Mastercard, American Express, Apple Pay, and Google Pay alongside Pay by Bank. Merchants manage both payment types in a single dashboard. This dual-rail approach distinguishes the firm from pure open-banking providers that lack card acceptance, and from traditional acquirers that lack native Pay by Bank settlement.

### What businesses does Atoa currently serve, and are there any explicit exclusions?

Atoa targets UK-registered limited companies processing £50,000 or more in monthly payments, and registered UK charities. The firm does not support sole traders. Public customer references span motor retail, legal services, and health and beauty verticals, though the firm does not disclose total merchant count or processing volume.

### What regulatory permissions does Atoa hold in the UK?

Atoa is authorised by the Financial Conduct Authority as a UK Payment Institution, under firm reference number 1007647. It is not a bank. The firm also holds ISO-27001 and SOC 2 certifications, and positions its open-banking flows as secured by UK bank authentication methods including Face ID and fingerprint verification within customers' own banking apps.

### Who are Atoa's investors, and how much capital has the firm raised?

Atoa's website states it is backed by investors that previously backed Wise, Revolut, and Monzo, but the firm does not publicly name its shareholders, disclose individual funding rounds, or publish total capital raised. Without verified funding data, the firm's capital position and valuation remain undisclosed.

## Related profiles

- [Parker](https://altss.com/profile/parker)
- [Loop](https://altss.com/profile/loop)

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Last updated: 2026-07-10T20:00:37.000Z

Canonical page: https://altss.com/profile/atoa

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