Atoa

Atoa is a simple way for anyone in the UK to pay in stores using their own bank app. It's like making an instant bank transfer, but without the hassle of entering sensitive card details.

1. Scan or click: Scan the Atoa QR code or click the payment link.

2. Confirm in your bank app: You'll be taken to your bank app to confirm the payment.

3. Done! The money is sent instantly to the business.

We call this "Instant Bank Pay" but the finance term is account-to-account payments.