ForexQ.com
FINANCIAL INSTITUTION INFORMATION PLATFORM

Review verifiable information about forex brokers, banks, fintechs, crypto exchanges and payment providers in one place.

Verify with the source.Wherever possible, information is matched against official registers and primary sources.
When was it checked?We clearly show when each critical piece of data was last checked.
Know the type of information.We classify user complaints, company statements and official records separately.
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HOW IT WORKS

See the level of evidence
on every institution profile.

Instead of ratings, we show the data, its source and its verification status.

  1. 01Data
  2. 02Source
  3. 03Verification
A

Sample Financial Institution

Broker · United Kingdom

Last checked: 23.09.2026
REGULATIONOfficial record verified

The licence number and scope are matched directly against the regulator’s source.

● Official source
USER FEEDBACKRecurring topics

Topics such as withdrawals, support and trading conditions are grouped by period.

● Verified platform record
COMPANY STATEMENTData disclosed by the company

The company’s own statements are shown separately from independent verification.

● Statement
← Home

Atoa

Payment institution · United Kingdom

About the company

Legal company nameAtoa Payments Limited
Year founded2022
Headquarters / registered countryLondon, United Kingdom
Websitepaywithatoa.co.uk
Last checked08.10.2026

According to its official website, Atoa is an East London-based payments company that lets UK businesses take payments through Pay by Bank (open banking) and cards. Services are provided by Atoa Payments Limited; the site says the company is authorised by the Financial Conduct Authority (FCA) under the Payment Services Regulations 2017 as an Authorised Payment Institution to provide account information and payment initiation services (FRN 1007647); according to Companies House it was incorporated in 2022. Card payment services are provided by FCA-authorised Rapyd Payments Limited (FRN 900688), and buy now pay later by Fintern Limited trading as Abound (FRN 929244), for which Atoa acts as an introducer appointed representative. Businesses are offered online checkouts, payment links, QR code payments, POS terminals, recurring payments, partial payments, instant refunds and integrations with Xero, Shopify, Magento and WooCommerce; the site says fees are up to 50% lower and settlement is instant or next day. This information is the company's own statement.

Account Details

ACCOUNT TYPESBusinesses only
MIN. DEPOSITNot stated
PLATFORMSWeb dashboard · iOS and Android app · POS terminal · APIs and SDKs
PRODUCTSPay by Bank (open banking) · Card payments · Buy now pay later (Abound) · Payment links and QR codes · Recurring payments · Online checkouts

Licences and regulation

FCA (United Kingdom)

Licence no.FRN 1007647
Licence holderAtoa Payments Limited
ScopeListed in the FCA register as an Authorised Payment Institution under Atoa Payments Limited (FRN 1007647) since 19 Dec 2024.
StatusVerified

User complaints

User reports found online are classified by topic. The charts show how reports are distributed; the reports are compiled from records on platforms that verify users and screen out fake reviews.

Period reviewed: April 2023 – October 2026

  • Account / trading conditions: 2
  • Identity verification: 2

No. 441 for most complaints among the 532 institutions with complaint records (918 institutions listed on the site).

RANK BY TOPIC — Account / trading conditions: 389. · Identity verification: 222.

SOURCES REVIEWED

The complaint distribution is based on the 1-star reviews on Atoa's Trustpilot page (4) as of 8 October 2026; one person's reviews count once, and records about fake sites and third parties using the Atoa name are left out. Across the complaints, applications refused without explanation, repeated document requests and suspended accounts stand out.

Sources and verification history

Official company sourcespaywithatoa.co.uk — homepage and footer, About us page
Regulator recordsFCA — Atoa Payments Limited, FRN 1007647 (register.fca.org.uk)
Company registerCompanies House — ATOA PAYMENTS LIMITED, company no 13910811, incorporated 11.02.2022
User feedback sourcesTrustpilot · Şikayetvar · WikiFX
Last verified08.10.2026

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