Atoa is safer than card payments. Unlike cards that can be lost or stolen, Atoa transactions are made from the customer’s bank app. Every payment is approved by the customer’s bank and confirmed using a face ID or a fingerprint scan, removing the chances of chargeback fraud.
Atoa skips Visa and Mastercard’s card rails and instead taps directly into the UK government’s secure Faster Payments and Open Banking networks. The UK Financial Conduct Authority monitors every transaction, and banks handle all funds directly, meaning Atoa never touches your money. We’re rated “Excellent” on Trustpilot and trusted by thousands of UK businesses.