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Atoa Developer Documentation
Atoa is a UK payments platform for accepting Pay by Bank (open banking / account-to-account) and card payments through one API. These developer docs cover the REST API, SDKs (Web, Flutter, React Native), e-commerce plugins, the Atoa CLI, and the Model Context Protocol (MCP) server for AI agents. Base API URL: https://api.atoa.me. Dashboard: https://dashboard.paywithatoa.co.uk. Marketing site: https://paywithatoa.co.uk.
- Authority
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- Tier
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- llms.txt
- https://docs.paywithatoa.co.uk/llms.txt
- llms-full.txt
- https://docs.paywithatoa.co.uk/llms-full.txt
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- Categories
- Developer tools · AI and machine learning · Ecommerce · Finance and payments
- For agents
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Their llms.txt
The beginning of the file, from our validated copy saved 2026-10-27T10:33:20.680Z. Cached copy · Source on paywithatoa.co.uk
# Atoa Developer Documentation
> Atoa is a UK payments platform for accepting Pay by Bank (open banking / account-to-account) and card payments through one API. These developer docs cover the REST API, SDKs (Web, Flutter, React Native), e-commerce plugins, the Atoa CLI, and the Model Context Protocol (MCP) server for AI agents. Base API URL: https://api.atoa.me. Dashboard: https://dashboard.paywithatoa.co.uk. Marketing site: https://paywithatoa.co.uk.
## Getting started
- [Getting started](https://docs.paywithatoa.co.uk/introduction): Sign up for developer access, generate an API token, and send your first payment request.
- [Sandbox guide](https://docs.paywithatoa.co.uk/atoa-sandbox): Test end to end in the sandbox environment before going live.
- [Go-live checklist](https://docs.paywithatoa.co.uk/go-live): Steps to move from sandbox to production.
- [Design guidelines](https://docs.paywithatoa.co.uk/design-system): Brand and UI guidance for building Atoa payment experiences.
## Authentication
- Authentication is HTTP Bearer with a JWT: send `Authorization: Bearer <token>`. Generate tokens in the [Atoa Dashboard](https://dashboard.paywithatoa.co.uk/my-account/settings/api-access).
- Sandbox and production tokens are separate and not interchangeable — use each only against its own environment.
## SDKs
- [Web Client SDK](https://docs.paywithatoa.co.uk/web-client-sdk): Drop Pay by Bank and card checkout into a web app.
- [Flutter SDK](https://docs.paywithatoa.co.uk/flutter-sdk): Accept payments in a Flutter mobile app.
- [React Native SDK](https://docs.paywithatoa.co.uk/react-native-sdk): Accept payments in a React Native mobile app.
## E-commerce integrations
- [Integration overview](https://docs.paywithatoa.co.uk/integration-overview): How Atoa plugs into e-commerce platforms.
- [WooCommerce](https://docs.paywithatoa.co.uk/woo-commerce): WooCommerce plugin setup.
- [Magento](https://docs.paywithatoa.co.uk/magento): Magento integration setup.
## Bank feed (Open Banking AIS)
- [Bank feed introduction](https://docs.paywithatoa.co.uk/accounts-introduction): Read account and transaction data via Open Banking.
- [Bank feed getting started](https://docs.paywithatoa.co.uk/accounts): Set up account authorization and start pulling account data.
## Agentic Payments (Agent Pay)
- [Agent Pay overview](https://docs.paywithatoa.co.uk/agent-pay/overview): Give AI agents a guarded way to move money within human-approved limits. Install `@atoapayments/agent-pay` (npm, Node 22+) or `atoa-agent-pay` (PyPI, Python 3.10+).
- [Embedded checkout](https://docs.paywithatoa.co.uk/agent-pay/embed): Render an existing payment inside your own page with `@atoapayments/pay-embed` — install, a container div, and one `AtoaUI.mount` call. Your server creates the payment; the API key never reaches the browser.
- [Collect (money in)](https://docs.paywithatoa.co.uk/agent-pay/collect): Pay-links, off-session charges under a COLLECT contract, charge-on-approval (`initialCharge`), SCA,
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