2022年11月24日

PayTech初創公司Atoa宣布獲得220萬美元的種子前融資，由Leo Capital和Passion Capital領投。這還包括天使投資人馬特·羅賓遜(GoCardless和Nested的聯合創始人)和Moon Capital Ventures。Anil Stocker, MarketFinance的聯合創始人兼首席執行官，也擔任公司顧問。今年6月上線的Atoa辯稱，萬事達和Visa的支付軌道在市場上形成了有效的雙頭壟斷，這使得它們能夠以犧牲小商戶及其客戶的利益為代價，獲得高達51%的淨利潤率。除此之外，卡片機供應商向小企業收取高達1.75%的費用。Atoa聲稱，它正在為小型企業建立一種替代方案，以低成本接受付款，同時有意義地改善他們的現金流。企業下載該公司的應用程序並連接他們的商業銀行賬戶。設置時間不到5分鍾，之後商家可以通過短信、Pay-by Link或在Atoa應用程序上顯示二維碼或收銀台旁的實體二維碼接受付款。同時，他們的客戶不需要下載一個單獨的應用程序來支付。任何手機上有英國移動銀行應用程序的人都可以通過Atoa付款。他們掃描商家的二維碼或點擊商家發送的鏈接，選擇他們的銀行，然後被重定向到他們現有的移動銀行應用程序來批準付款。年代id Narayanan, Co-Founder, Atoa Payments, says: “We are grateful to have the support and partnership of such strong investors validating our plans to break the card payment duopoly in the UK and to improve cash flows and economics for the country’s small merchants.”“At a time of record inflation and in the midst of a cost-of-living crisis, the UK’s small and medium merchants are struggling to contain their costs, provide great service to the customers, and maintain profit margins. Atoa is here to empower merchants and to improve their cash flow and bottom line.”Robert Dighero, Partner at Passion Capital, comments “Atoa has come to the UK market at the right time to leverage Open Banking and bring to small and medium sized merchants a truly viable alternative to payment cards and card machines that can be deployed in-store within minutes.”“We’re delighted to work with the Atoa team after their first FinTech success and look forward to partnering with them as they achieve even greater heights with Atoa.”Shwetank Verma, Partner at Leo Capital, says: “Leveling the playing field for independent, small and medium sized merchants is an obvious opportunity which benefits everyone, not least of which consumers.”“We have seen this business model succeed in India and SEA and we’re looking forward to working with the Atoa team to help them build another successful business in a massively growing market.”