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Atoa

A UK payments company that lets small businesses take Pay by Bank (open banking) and card payments.

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A UK payments company that lets small businesses take Pay by Bank (open banking) and card payments. Detail: payment links, QR codes, POS, online checkout, recurring payments and a bank feed, sold mainly to high-street businesses (the named customers are motor dealers, beauty salons, a physio and legal services — https://paywithatoa.co.uk/about-us/, read 2026-09-29). FCA-authorised payment institution, FRN 1007647; card payments run through Rapyd Payments Limited (same page). How much is built for AI agents, plainly: a real but thin and very new layer on top of an SME payments business. It is three things: (1) an MCP server — 29 tools that wrap the ordinary merchant API (payments, customers, saved cards, refunds, webhooks, bank feed), hosted at mcp.atoa.me or run as npx @atoapayments/mcp; the npm package was last published 2026-04-08 at 0.0.2 (https://registry.npmjs.org/@atoapayments%2Fmcp, read 2026-09-29); (2) Agent Pay — an SDK (@atoapayments/agent-pay, npm and PyPI, 0.0.1 on 2026-07-28, now 0.0.4) where a human sets a spending "contract" once (per-payment cap, period cap, expiry, payee) and Atoa refuses over-cap charges on its own servers, with a human approving each payout by one-time code or passkey on Atoa's page (https://docs.paywithatoa.co.uk/agent-pay/overview, read 2026-09-29); (3) a CLI. Everything agent-facing is pre-1.0, and none of the named customers is an agent company. The marketing page's "built for AP2 + x402" claim is not backed by the docs (finding 2).