Atome

B tier on Buy Now, Pay Later PlatformsScore 7.1 · #3 of 26

Android app: Yes
Free plan: Yes
Runs on: Android, api, iOS, Web

atome.sg

Summary

Atome is a digital consumer financing platform that lets shoppers split purchases at participating online and offline retailers. Its Pay-in-3 option divides a purchase into three interest-free payments: the first is due at purchase, with the remaining payments monthly. Longer plans may have a processing fee shown in the app at transaction time. At participating physical shops, customers can scan an Atome QR code at the cashier. The app supports account setup, purchases in three payments and payment-schedule tracking. Shoppers earn 1 Atome+ point for every S$2 spent and can redeem points for rewards or use them in in-app prize games. Merchants can integrate online through documented APIs or use Atome Cashier for offline POS transactions; listed integrations include Shopify, WooCommerce, Magento, Prestashop, OpenCart, EasyStore, Wix and Salesforce. Atome lists Singapore and Malaysia as consumer regions. If an automatic deduction fails on its due date, the account is suspended and a S$15 or S$30 administration fee applies per late payment, depending on the order amount. The service is available on Android, iOS and web.

Who it is for

Atome suits mobile-first shoppers in Singapore or Malaysia who want to split purchases at participating retailers. It also serves merchants seeking online or in-store transaction integration.

What is good

Pay-in-3 has 0% interest.
Purchases can be split at participating online and offline retailers.
The app tracks payment schedules.
Earns 1 Atome+ point per S$2 spent.
Online API and offline POS integration are documented.

What to know first

Longer plans may carry a processing fee.
Late payments can suspend the account.
Late-payment administration fee is S$15 or S$30.
Support is closed on weekends and public holidays.

Verdict

Atome offers a three-payment option and supports checkout at participating online and physical retailers. Review longer-plan fees and late-payment consequences before using it.

Atome plans and pricing

All plans

Pay-in-3 Free 3 monthly payments; first payment at purchase 0% interest · participating Atome merchants atome.sg · 3 Oct 2026

Longer payment plans Not published Monthly; processing fee may apply Plans beyond 3 months · one-time fee up to 3% of purchase value, inclusive of GST help.atome.sg · 3 Oct 2026

Compared on buy now, pay later platforms

Free plan: Yesatome.sg
Checkout channels: omnichannelatome.sg
Repayment terms: Pay-in-3: first payment at purchase, remaining payments monthly; Pay-in-6: first payment one day after purchase, remaining payments every 30 daysatome.sg
Merchant platforms: Easy Store; Magento 1 & 2; OpenCart; Salesforce SFRA; Salesforce Site Genesis; Shopify; Wix; WooCommerce; open APIatome.sg
Consumer regions: Singapore; Malaysiaatome.sg
Merchant dashboard: Yesatome.sg

Facts

What it does: Atome is a digital consumer financing platform that lets shoppers split purchases at online and offline retailers.atome.sg · 3 Oct 2026
Interest-free installments: Customers can choose 3 interest-free payments, with the first due at purchase and later payments monthly.atome.sg · 3 Oct 2026
Longer plans: Atome says longer plans may carry a processing fee displayed in the app at transaction time.atome.sg · 3 Oct 2026
In-store checkout: At participating offline stores, shoppers can scan Atome’s QR code at the cashier.atome.sg · 3 Oct 2026
Rewards: Shoppers earn 1 Atome+ point for every S$2 spent and can redeem points for rewards or use them for in-app prize games.atome.sg · 3 Oct 2026
Mobile app: The app lets users set up an account, make purchases in 3 payments and track their payment schedule.atome.sg · 3 Oct 2026
Integrations: The developer portal lists Shopify, WooCommerce, Magento, Prestashop, OpenCart, EasyStore, Wix and Salesforce integrations.partner.apaylater.com · 3 Oct 2026
API and POS: The developer portal documents API integration for online transactions and Atome Cashier on POS for offline transactions.partner.apaylater.com · 3 Oct 2026
Merchant support: Atome says it supports major e-commerce platforms and payment gateways and can help merchants integrate online or in physical stores.atome.sg · 3 Oct 2026
Late payment limits: If automatic deduction fails on the due date, the account is suspended and a S$15 or S$30 admin fee applies per late payment depending on order amount.help.atome.sg · 3 Oct 2026
Consumer protection: Atome says it is licensed as a Major Payment Institution under Singapore’s Payment Services Act 2019 and that the BNPL Code is administered by the Singapore Fintech Association.atome.sg · 3 Oct 2026
Support hours: Atome lists support business hours as Monday to Friday, 09:30–18:30, and closed on weekends and public holidays.atome.sg · 3 Oct 2026
Intended users: Atome describes its shopper audience as digital-savvy, mobile-first consumers and offers merchants a way to reach shoppers and support larger baskets.atome.sg · 3 Oct 2026