If you’re a UK retailer tired of card machine costs eating into your margins, Atoa might be the pricing model you’ve been waiting for. With transaction fees starting from just 0.7% and no need for hardware or contracts, Atoa’s bank payment system is rapidly gaining traction among high-street shops, cafés, salons, and service providers.
In this guide, we break down Atoa’s full pricing structure for 2025, including monthly plan costs, per-transaction fees, and what each package actually includes. We’ll also cover what retailers get beyond just payment processing, like Google Review prompts, instant payouts, and customer-facing branding options.
If you’re comparing alternatives to card terminals or looking for a faster, lower-cost way to collect payments, this breakdown will help you decide whether Atoa is the right fit.
Growth & Advanced Add-On Plans
While Atoa’s Basic plan is free and functional, many retailers choose to upgrade for added tools that boost visibility, automate admin, and support team-based operations. Atoa offers two add-on plans: Growth and Advanced, both priced per location.
Growth Plan – £19 per location/month
This add-on is designed for growing businesses that want to attract more customers and manage more complex setups.
Included features:
- Everything in the Basic plan
- Google Review prompts after each payment
- Auto-publishing of 4 and 5-star reviews to your business’s Google profile
- Private handling of lower-rated reviews for internal feedback
- Statement notes attached to payments
- Custom roles and permissions for staff
- Ability to connect up to 5 bank accounts
Best for:
Retailers with multiple staff or locations who want to improve online visibility and customer retention while keeping admin centralised.
Advanced Plan – £59 per location/month
The Advanced plan is built for businesses ready to scale customer experience and streamline payments even further.
Included features:
- Everything in Growth
- Custom branding on your checkout interface
- Bulk payment link generation for high-order volumes
- Scheduled payment reminders
- Custom sender name for SMS payment links
- Support for up to 10 connected bank accounts
Best for:
Franchises, multi-location businesses, and service providers that want brand control, automated outreach, and larger payment management capacity.
Custom Plan for High-Volume Merchants
For businesses processing over £150,000 per year or handling large payment volumes across multiple locations, Atoa offers a Custom plan with tailored pricing and feature flexibility.
What to Expect from Atoa’s Custom Plan
- Bespoke pricing structure based on your monthly or annual transaction volume
- Access to all Advanced plan features, including bulk payment tools, branded checkouts, and SMS customisation
- Dedicated onboarding support and performance optimisation
- Integration assistance for POS, accounting, or custom systems
Best For
The Custom plan is best suited for enterprise retailers that require a more scalable, branded, and multi-location setup, particularly those looking to replace card terminals across multiple tills with QR-based bank payments.
📚 Guide to Open Banking PayByBank
Beyond Per-Store Fees: A Scalable QR Payment Alternative for Chains
If you’re running a retail business with multiple stores, departments, or branded locations, you may need more than just QR payments from a mobile app. You likely want:
- A unified view of your cash flow across all branches
- Centralised payment and reconciliation tools
- Flexible integration options
- And a partner that can support your rollout, not just hand over a link
This is where Finexer stands out.
Finexer is an Open Banking platform designed to help growing retailers manage payments, disbursements, and reporting across locations, with full visibility, faster settlement, and lower cost.
Key Benefits for Multi-Store Retailers:
- Centralised dashboard or API control across all locations
- Branded QR code payment flows with instant confirmation
- No per-location subscription fees — pay based on actual usage
- Save up to 90% on transaction costs vs card terminals or app-based payment tools
- Instant settlement improves cash flow and daily reconciliation
- Batch payouts, payment links, and automated receipts included
- Strong Customer Authentication with built-in fraud protection
- 3–5 weeks of hands-on assistance to help you deploy the Payment solution across your locations, train teams, and get live fast
- Fully white-labelled for use in your own branded platforms or apps
Who It’s Best For
- Retail groups or franchise networks managing multiple sites
- Finance teams who need a live overview of incoming payments, cash positions, and branch-level reporting
- Tech or operations leaders building QR-based payment flows into POS or loyalty systems
- Any business replacing card terminals to reduce fees, speed up settlement, and retain control
“Our business isn’t about the volume of consents, it’s about delivering high-quality services to some of the biggest names in the industry. We needed a partner who understood the importance of providing business-focused solutions, and Finexer joined us on that journey.”
Penny Phillips, Chief Commercial Officer at Sysynkt.
Get Started
Connect today and see why businesses trust Finexer for secure, compliant, and tailored open banking solutions.
Try NowIs Atoa Worth It for Retailers in 2025?
Atoa offers a low-cost, contract-free way for UK retailers to accept instant bank payments with QR code checkouts, instant settlement, and visibility tools like Google Review prompts. For sole traders, salons, barbers, or cafés with simple payment needs, Atoa’s claimed savings of up to 50% can make a meaningful difference compared to traditional card terminal costs.
Upgrading to the Growth or Advanced add-ons makes sense for retailers who want customer-facing branding, review automation, or multi-bank control, but for businesses with multiple stores, the per-location pricing model can quickly add up.
If your business is scaling across sites, needs centralised cash flow visibility, or wants to avoid monthly per-location fees, platforms like Finexer offer a stronger fit. With instant QR code payments, API flexibility, and up to 90% savings on transaction costs, Finexer delivers the tools needed to grow, without the overhead.
Comparison: Atoa vs Finexer
| Feature / Cost Factor | Atoa | Finexer |
|---|---|---|
| Monthly Fee (per location) | £19–£59 | Usage Based |
| Setup or Cancellation Fees | £0 | £0 |
| Payment Method | QR via App | QR, Link, API |
| Central Dashboard for All Stores | Limited (per-location plans) | Full visibility across accounts/stores |
| Branded Checkout | Advanced Plan only | Included (white-label support) |
| Support During Rollout | Basic setup only | 3–5 weeks hands-on assistance |
| Ideal For | Small in-store teams | Multi-store retail, API use, scaling |
What is the minimum fee I might pay if my transactions are very low?
If you process minimal volume, Atoa charges a minimum of 30p per month, which covers the cost of maintaining a Stripe Direct Debit setup.
Can I use Atoa across multiple business locations?
Yes, but each location must have its own Growth or Advanced add-on subscription, billed separately. This can increase monthly costs if you’re managing multiple sites.
How does Finexer pricing compare to Atoa?
Finexer uses a usage-based pricing model there are no setup fees, no monthly subscription costs, and no per-location pricing. You only pay for what you use.
This makes it especially attractive for growing businesses that want to keep payment costs predictable and avoid being charged per store or per checkout.
Is there special pricing available for startups or early-stage businesses?
Yes. Finexer offers discounted pricing for startups. If you’re an early-stage business, you can get lower transaction rates or custom onboarding support reach out directly to Finexer to qualify.
Does Finexer offer onboarding support for multi-location or growing businesses?
Yes. Finexer provides 3 to 5 weeks of free hands-on assistance during rollout, something that’s rarely offered by other Open Banking or QR payment providers.
Ready to Cut Fees Without Compromising Control? Finexer is built for growing retail networks that need speed, scale, and flexibility.