Fintech · UK
Atoa
About
Atoa (Atoa Payments Ltd) is a London-based fintech using open banking to offer UK merchants an alternative to card payments, letting customers pay directly from their bank app with funds settling instantly and fees up to 50% lower than cards. In March 2025 it was approved as an Authorised Payment Institution by the FCA. Per Tracxn, Atoa has raised roughly $17.2M in total funding across multiple rounds, including a seed round led by Valar Ventures.
Latest news
Atoa joins crowded payments market with FCA approval
uktech.news2025-03-14
Atoa Payments secures £5.17 million Seed investment led by Valar Ventures
uktechnews.info2023-06-08
Atoa helps UK merchants cut down on card processing fees
techcrunch.com2022-11-24
Atoa Leads The Revolt On Card Fees For the UK's Small Businesses
forbes.com2022-11-24
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Coverage gathered from public sources.
Why Fintech
From cross-border payments and account-to-account rails to embedded insurance and wealth tooling, we back the companies rebuilding financial infrastructure across emerging and developed markets.