BriizPay vs Atoa
Atoa and BriizPay both take payments by pay-by-bank QR, so this is the closest comparison on this site. The difference is the pricing model: Atoa quotes a percentage rate per business; BriizPay publishes a flat monthly fee.
Atoa rates checked September 2026 from published pricing. BriizPay prices shown live.
| Atoa | BriizPay |
|---|---|
|
|
| Hardware: None; QR and app, like BriizPay | Hardware: none, customers pay with their own phone |
| Contract: Monthly | Contract: none, pay by the month |
| Settlement: Bank to bank over Faster Payments | Settlement: bank to bank over Faster Payments, typically in seconds |
| WooCommerce: plugin available | WooCommerce: plugin available |
What Atoa offers that BriizPay does not
- EPOS and accounting integrations, and features aimed at multi-site teams.
- An established UK pay-by-bank product with a longer track record.
Common questions
Atoa and BriizPay both do pay-by-bank. What is actually different?
The pricing model. Atoa charges a percentage of each payment, quoted to your business rather than published, so your cost rises with your takings. BriizPay publishes a flat monthly fee with payments included, so the cost of getting paid stays the same as you grow. Both settle bank to bank with no card machine.
Why does a flat fee matter if pay-by-bank is already cheaper than cards?
A percentage of a growing number is still a growing number. Halving a card fee still scales with your sales; a flat fee does not. The bigger your takings, the more the difference compounds.