Atoa Payment for Magento 2

Atoa is an Authorised UK Payment Institution (FRN #1007647) powering growth for UK businesses. This extension integrates Atoa into your Magento 2 store, enabling customers to pay via instant bank transfer directly from their banking app, or by card — including Visa, Mastercard, Google Pay and Apple Pay — from a single checkout integration.

Payment Methods

Method	Description
Atoa Bank Payment	Customers pay directly from their banking app via UK Open Banking — faster checkout, lower fees
Atoa Card Payment	Customers pay using Visa, Mastercard, Google Pay or Apple Pay

Features

Payments

Pay by Bank via UK Open Banking
Card payments: Visa, Mastercard, Google Pay, Apple Pay
Two independently configurable payment methods

Order Management

Real-time order status updates via webhooks
Secure V2 webhook signing (HMAC-SHA256) with V1 fallback for backward compatibility
Configurable order statuses for pending, paid and cancelled states
Auto invoice creation on payment confirmation
Automatic order cancellation on payment expiry with customer notification email

Storefront Promotions

Promotional banners on homepage, product listing, product detail and checkout pages
Customisable banner text with {{logo}} placeholder support
Three colour themes: Red, Gray, White
Information popup modal with live bank logos fetched from the Atoa API

Merchant Controls

Country-level payment restrictions
Minimum and maximum order amount limits
Multi-store callback routing

Compatibility

Component	Supported Versions
Magento Open Source	2.4.4, 2.4.5, 2.4.6, 2.4.7, 2.4.8
Adobe Commerce	2.4.4, 2.4.5, 2.4.6, 2.4.7, 2.4.8
PHP	8.1, 8.2, 8.3

Prerequisites

An active Atoa Business Account — Sign up at paywithatoa.co.uk
An Access Token from your Atoa Dashboard
Composer 2.x

Installation

Option A — Composer (Recommended)

1. Add the Atoa repository to your Magento project:

composer config repositories.atoa vcs https://github.com/ATOAPaymentsLimited/AtoaMagento.git

2. Authenticate with GitHub (required for private repository access):

composer config --global github-oauth.github.com YOUR_GITHUB_TOKEN

Replace YOUR_GITHUB_TOKEN with a GitHub personal access token with repo scope.

3. Require the module:

composer require atoa/module-atoa-payment:2.0.0

4. Enable and deploy:

php bin/magento module:enable Atoa_AtoaPayment
php bin/magento setup:upgrade
php bin/magento setup:di:compile
php bin/magento setup:static-content:deploy
php bin/magento cache:clean

Option B — Manual ZIP Install

1. Download the release zip from this repository.

2. Extract and copy the contents into:

{magento_root}/app/code/Atoa/AtoaPayment/

3. Run setup commands:

php bin/magento module:enable Atoa_AtoaPayment
php bin/magento setup:upgrade
php bin/magento setup:di:compile
php bin/magento setup:static-content:deploy
php bin/magento cache:clean

4. Confirm the module is active:

php bin/magento module:status Atoa_AtoaPayment

Configuration

All settings are in the Magento Admin Panel under:

Stores → Configuration → Sales → Payment Methods

For a complete setup guide, visit the Atoa Magento Documentation.

Atoa Bank Payment

Field	Description
Enabled	Enable or disable the Pay by Bank payment method
Access Token	Your API key from the Atoa Dashboard. This is shared between Bank Payment and Card Payment
Title	Payment method label shown to customers at checkout
Description	Short description shown below the payment method title
Instructions	Additional instructions displayed to the customer
Sort Order	Position of this method relative to other payment methods at checkout

Webhook Setup

Webhooks notify your Magento store of payment status changes in real time. Two webhook endpoints are registered:

Webhook Event	Endpoint	Trigger
`PAYMENTS_STATUS`	`/rest/V1/atoa/webhook`	Payment completed, pending or failed
`EXPIRED_STATUS`	`/rest/V1/atoa/expiredWebhook`	Payment request timed out

Step 1 — Register Webhooks

In the Atoa Payment configuration, click the Generate button next to the Webhook URL field. This registers both webhook endpoints with Atoa automatically using your Access Token.

Step 2 — Enable V2 Webhook Signing (Recommended)

V2 signing uses HMAC-SHA256 to verify that incoming webhook requests originate from Atoa.

Enable V2 Webhook Signing in your Atoa Dashboard
Copy the signing secret (whsec_...)
Paste it into the Webhook Signing Secret field in the Magento admin

If no Webhook Signing Secret is set, the extension falls back to V1 signature validation using your Access Token as the HMAC key.

Order Statuses

Field	Default	Description
New Order Status	Pending	Applied when an order is placed and payment is initiated
Paid Order Status	Processing	Applied when Atoa confirms the payment is complete
Cancel Order Status	Cancelled	Applied when a payment fails or expires

Auto Invoice

Field	Default	Description
Create Auto Invoice	No	When enabled, an invoice is automatically created and emailed to the customer upon payment confirmation

Display & Banner Settings

Navigate to the Display Setting sub-section within the Atoa Payment configuration.

Field	Description
Enable Store View Banner	Display a promotional banner on the homepage
Enable Banner on Product List Page	Display a banner on category and search result pages
Enable Banner on Product Detail Page	Display a banner on individual product pages
Enable Information Popup	Show a More Info link on banners that opens a modal about Atoa, including live bank logos and payment steps
Banner Content Text	The banner message. Use `{{logo}}` as a placeholder for the Atoa icon. Example: `{{logo}} Pay by Bank or Card with Atoa`
Styles	Banner colour theme: Red, Gray or White

Checkout Page Settings (separate sub-section):

Field	Description
Banner Styles	Colour theme for the banner inside the checkout payment block
Banner Checkout Text	Text displayed inside the checkout payment block

Atoa Card Payment

Accept Visa, Mastercard, Google Pay and Apple Pay through Atoa.

Card Payment uses the same Access Token as Bank Payment. Ensure the Bank Payment method has a valid Access Token configured before enabling Card Payment.

Field	Default	Description
Enabled	No	Enable or disable Card Payment
Title	Atoa Card Payment	Payment method label shown at checkout
Banner Checkout Text	—	Text displayed in the card payment checkout block
Banner Styles	—	Colour theme for the card payment checkout block

Country Restrictions

Field	Description
Payment from Applicable Countries	Select Specific Countries to restrict availability by geography
Specific Countries	Multi-select list of countries where the payment method will be shown

Order Amount Limits

Field	Description
Min Order Total	Minimum order value required for this method to appear at checkout
Max Order Total	Maximum order value for this method to appear at checkout
Min Allowed Amount	Minimum accepted payment amount
Max Allowed Amount	Maximum accepted payment amount

Multi-Store Setup

Field	Default	Description
Default Callback Store	Default Store	The store view customers are redirected to after completing payment. Configure this when running a multi-store Magento setup to ensure the correct store is loaded post-payment

Troubleshooting

Logs are written daily to:

{magento_root}/var/log/atoa_payment/debug_YYYYMMDD.log

Issue	Resolution
Webhook not being received	Click Generate to re-register webhooks. Verify the Access Token is correct and active
Order status not updating after payment	Confirm the Webhook Signing Secret in Magento matches the one in your Atoa Dashboard
Bank logos not displaying	Verify your store's CSP policy allows images from the Atoa static asset domain. This is handled automatically by the module's CSP whitelist configuration
Card Payment not appearing at checkout	Ensure Atoa Bank Payment is Enabled and has a valid Access Token set
Payment callback redirecting to wrong store	Set the correct store view under Default Callback Store in the Bank Payment configuration
Banners not appearing on the frontend	Run `php bin/magento setup:static-content:deploy` followed by `php bin/magento cache:clean`
Module compilation errors after install	Run `php bin/magento setup:di:compile` and review the output for dependency errors

Support

Channel	Details
Documentation	docs.atoa.me/magento
Dashboard	dashboard.paywithatoa.co.uk
Email	hello@paywithatoa.co.uk
Live Chat	Available via Chatwoot inside the Atoa Dashboard
Bug Reports	Open a GitHub Issue

License

This extension is licensed under the Open Software License 3.0 (OSL-3.0).

Name		Name	Last commit message	Last commit date
Api		Api
Block		Block
Controller		Controller
Gateway		Gateway
Logger		Logger
Model		Model
ViewModel		ViewModel
etc		etc
view		view
README.md		README.md
composer.json		composer.json
registration.php		registration.php

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Atoa Payment for Magento 2

Table of Contents

Payment Methods

Features

Compatibility

Prerequisites

Installation

Option A — Composer (Recommended)

Option B — Manual ZIP Install

Configuration

Atoa Bank Payment

Webhook Setup

Order Statuses

Auto Invoice

Display & Banner Settings

Atoa Card Payment

Country Restrictions

Order Amount Limits

Multi-Store Setup

Troubleshooting

Support

License

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Atoa Payment for Magento 2

Table of Contents

Payment Methods

Features

Compatibility

Prerequisites

Installation

Option A — Composer (Recommended)

Option B — Manual ZIP Install

Configuration

Atoa Bank Payment

Webhook Setup

Order Statuses

Auto Invoice

Display & Banner Settings

Atoa Card Payment

Country Restrictions

Order Amount Limits

Multi-Store Setup

Troubleshooting

Support

License

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Used by

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