What Atlas Pay is, and where it works
The short version, the countries, the products, and the apps.
A payment platform for businesses that want to accept card payments without a POS terminal and without building a checkout. You ask for the money with a link, a QR code, a contract, a subscription, or an online store, and the payment settles into your bank account.
Twenty-eight, across the Caribbean, Africa, Asia, Europe, and North America, paying out to eligible local bank accounts. Nigeria is in early access rather than general availability. There are detailed pages for Jamaica, Trinidad & Tobago, Nigeria, Ghana, the United States, and Canada — and if your country is not on the list yet, you can join the waitlist from the Countries page.
Six things, all available today: payment links, QR codes, contracts, subscriptions, an eCommerce catalogue, and digital gift cards. Card Issuing — virtual and physical cards with spending controls — has not launched, and you can only join a waitlist for it.
A mobile app for iOS and Android, a merchant portal in the browser, and a native desktop app for Mac and Windows. They are three views of one account, so a payment taken on a phone appears in the portal straight away. A Chrome extension is on the way but is not available yet.
No. They open your link or point a phone camera at your code, then pay by card on a secure page. There is nothing to download, nothing to register for, and no Atlas Pay account for them to create.
Invite a business you know. Once it starts taking payments, you can earn up to 1% of its qualifying net card volume for the first twelve months, and every business that goes live also unlocks a free month of Pro for you.
What it costs, and what the customer can pay with
Three plans, two transaction rates, and the cards and wallets behind them.
The app is free to download. Free costs $0 a month and charges 4.9% + $0.40 on each payment. Brand is $5.99 a month at the same 4.9% + $0.40. Pro is $14.99 a month and lowers the rate to 4.2% + $0.40. No hidden fees, and you can cancel at any time.
Only Pro. Free and Brand both charge 4.9% + $0.40 per payment; Pro charges 4.2% + $0.40. The fixed 40 cents is the same on every plan, so the saving is on the percentage — which means it matters more the larger your typical payment is.
Yes — “pass fees to customers” is a Pro feature. With it switched on, the transaction fee is charged to the payer rather than deducted from what you receive. On Free and Brand the fee comes out of the payment.
Visa, Mastercard, and American Express, plus a faster wallet when one is eligible: Apple Pay, Google Pay, Amazon Pay, or Cash App Pay. Wallet availability varies by merchant account, device, region, and currency, and cards are always the fallback when a wallet is not offered.
Yes. Leave the amount off a payment link or a QR code and the customer types their own, which covers tips, donations, and contributions. Otherwise set a fixed amount and they simply pay it.
Custom branding on what the customer sees, branded emails, and bulk emailing, on top of everything in Free. The transaction fee stays at 4.9% + $0.40 — the lower rate is a Pro feature. Compare every row.
Your account, your money, your customers’ cards
Where the money goes, why the ID check exists, and what we will never ask you for.
In the bank account you link during setup. Payouts go to eligible local bank accounts in the countries Atlas Pay is live in, and they are the third of the three setup steps for exactly that reason.
No. Card details are entered by your customer on the secure payment page and handled by the processors behind it. You never build, host, or maintain a card form, and you should never take a card number from a customer by message or over the phone.
Because it is what unlocks payouts and the rest of the secure financial features on the account. It is a one-time step you complete for the business, not something repeated per customer or per payment.
Never — not by email, not by chat, not by phone. Identity details are submitted inside the product as part of verification and nowhere else. If a message claiming to be from us asks for a password, a card number, or a one-time code, it is not from us; forward it to support@atlaspay.com.
Disputes are part of accepting cards. Keeping a clear record of what was sold helps, which is one reason contracts capture the terms and the payment together, and why every payment sends an email receipt. There is a longer walk-through in the payment guides.
Only the team members you add. Pro allows unlimited team members and adds audit trails and full activity logging, so you can see who did what afterwards rather than working it out from memory.
Fitting it to the way you already sell
Counters, deposits, teams, existing websites, and people who are not a registered business at all.
A QR code when the customer is in front of you, a payment link when the sale happens in a message, a contract when the work was quoted first, a subscription when the same customer pays repeatedly, and eCommerce when you want a catalogue people can browse. There is a longer version on the For Businesses page.
Yes, through team members on the account. Pro allows unlimited team members, so staff take payments under the business rather than on a personal account, and the audit trail records who did what.
That is what contracts are for. Send the agreement and the payment request together — the customer reviews the terms, agrees to them, and pays. You choose whether that is a deposit or the full amount, and it is delivered by email so both sides keep a copy.
Yes. The WordPress and WooCommerce plugin adds pay buttons, blocks, and checkout to a site you already run. You can also build your own checkout on the API, or skip the website entirely and sell from a no-code catalogue in the merchant portal. A Shopify integration is on the way but has not shipped.
Yes — create and sell digital gift cards from the same account, alongside your products. They are a straightforward way to bring revenue forward before a busy season.
Freelancers, creators, tutors, drivers, and independent sellers use the same products without a storefront behind them. You still create an account, verify your identity, and link a bank account. See For Individuals.
Apps, plugins, and the API
What you can build on, what runs where, and what has not been released.
Yes. API documentation, SDKs, and integration guides are on the developers page. A custom eCommerce checkout built on the API sits beside the no-code catalogue rather than replacing it.
iOS and Android for mobile, Mac and Windows for desktop, and any modern browser for the merchant portal. All three sign into the same account.
Yes — pay buttons, blocks for the editor, and WooCommerce checkout. Orders taken through it land in the same records as links, codes, and contracts.
Both are committed but unreleased, along with Card Issuing. We do not publish dates for work that has not shipped, because a date we cannot control is not information. The roadmap says what each one will do.
The app or surface you were using, what you were trying to do, and what happened instead — a screenshot is usually worth three paragraphs. Send it to support@atlaspay.com or use the contact form.
The changelog lists new features and product updates, newest first. If something is on that page it has shipped; if it is only on the roadmap, it has not.
Getting hold of a person
How to reach us, what priority support means, and what we can and cannot do for your customer.
Email support@atlaspay.com, message us on WhatsApp, book a call, or use the form on the contact page. All four reach the same team.
It is one of the things the Pro plan includes, alongside unlimited team members, CSV export, audit trails, activity logging, custom templates, and higher limits. Every plan can contact support; Pro accounts are handled first.
We would rather not quote a response time we have not measured. What helps is sending the detail with the first message — the surface you were on, the payment or link involved, and what you expected to happen.
The sale is between you and them, so refunds and cancellations are yours to make. What we can do is help you find the payment, understand what the record shows, and work out what to tell them.
Plans can be changed or cancelled at any time, with no hidden fees and no cancellation charge. Dropping back to Free means you keep taking payments — the rate returns to 4.9% + $0.40 and the Pro and Brand features switch off.
Yes — CSV export is included on Pro, along with audit trails and full activity logging. It gives whoever does your books a file they can open without being taught anything about Atlas Pay.
If the answer is not here
Ask a person, read a longer walk-through, or check what has actually shipped.