Atome
Atome is a digital consumer financing platform that lets shoppers split purchases at participating online and offline retailers.
What Atome is
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.
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.
Watch out
- 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.
Who it suits
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.
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.
Plans and prices
From Atome's own pricing page, checked 19 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Pay-in-3 | Free | Interest-free · online or in-store · Three payments; no processing fee |
| Pay in full | Free | Single payment · No processing fee |
| Pay-in-12 | 0.75 SGD a month | Twelve payments · selected users only · Monthly processing fee equal to 0.75% of total purchase value |
| Pay-in-9 | 0.75 SGD a month | Nine payments · selected users only · Monthly processing fee equal to 0.75% of total purchase value |
| Pay-in-6 | 3 SGD, paid once | Six monthly payments · fee applies at selected stores · One-time fee equal to 3% of total purchase value |
| Longer payment plans | — | Plans beyond 3 months · one-time fee up to 3% of purchase value, inclusive of GST · Monthly; processing fee may apply |
The facts
Each one read from Atome's own pages, with the date it was checked.
Where it runs
- API and POS
- The developer portal documents API integration for online transactions and Atome Cashier on POS for offline transactions.checked 3 Oct 2026
- App integrations
- The app lists rewards or shopping connections involving KrisFlyer, NTUC Linkpoints, Grab, TADA, Lazada, Shopee and FairPrice.checked 19 Oct 2026
What it does
- API data access
- The Salesforce integration requires billing address, shipping address, order details and customer profile data.checked 19 Oct 2026
- API limitation
- In the Salesforce cartridge, cancel and refund API calls are available only through custom functionality rather than the default SFRA site.checked 19 Oct 2026
- API operations
- The Salesforce integration documentation lists create-payment, payment-information, cancel and refund operations.checked 19 Oct 2026
- Checkout methods
- Customers choose Atome online or scan a merchant QR code in stores.checked 19 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.checked 3 Oct 2026
- Developer documentation
- The developer portal provides API guides, platform setup pages, FAQs and email support links.checked 19 Oct 2026
- Funding
- LinkedIn states Advance Intelligence Group has raised more than US$700 million and secured over US$1 billion supporting its credit book.checked 19 Oct 2026
- In-store checkout
- At participating offline stores, shoppers can scan Atome’s QR code at the cashier.checked 3 Oct 2026
- Integrations
- The developer portal lists Shopify, WooCommerce, Magento, Prestashop, OpenCart, EasyStore, Wix and Salesforce integrations.checked 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.checked 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.checked 3 Oct 2026
- Licence and legal entity
- The Singapore site identifies Apaylater Financials Pte. Ltd., registration number 201936265H, licence PS20200511, and says it complies with BNPL Standards.checked 19 Oct 2026
- Limit: account transparency
- The Chrome-Stats review summary includes complaints that remaining credit and balances are not clearly shown.checked 19 Oct 2026
- Limit: customer support
- Review summaries and recent Google Play reviews repeatedly describe template replies, unhelpful support and difficulty reaching a human.checked 19 Oct 2026
- Limit: declined transactions
- Independent app reviews report payment processing failures, declined transactions and risk systems blocking otherwise current accounts.checked 19 Oct 2026
Money
- Automatic billing
- The first instalment is charged at purchase and later instalments are taken monthly.checked 19 Oct 2026
- Interest-free installments
- Customers can choose 3 interest-free payments, with the first due at purchase and later payments monthly.checked 3 Oct 2026
The company
- Company activity
- LinkedIn says the group serves over 500 enterprise clients, 235,000 merchants and 40 million consumers, and has disbursed more than US$4 billion in loans.checked 19 Oct 2026
- Company ownership
- LinkedIn describes Atome as part of Advance Intelligence Group and says the group is backed by SoftBank Vision Fund 2, Warburg Pincus, Northstar Group, Standard Chartered Bank and EDBI.checked 19 Oct 2026
- Company scale
- LinkedIn lists Atome as a privately held Singapore financial-services company with 501–1,000 employees.checked 19 Oct 2026
- Founded
- LinkedIn lists Atome as founded in 2019.checked 19 Oct 2026
- Headquarters
- Singaporechecked 28 Sep 2026
The full review of Atome
Atome is a consumer financing platform for splitting purchases at participating online and physical retailers. It suits shoppers in Singapore and Malaysia who want monthly installments at checkout, and merchants looking to add another payment option. Its strongest case is three interest-free payments; longer plans and missed payments can add costs.
Overview
Atome brings installment checkout to both web and store purchases, though it works only at participating retailers. In store, shoppers scan an Atome QR code at the cashier. The app supports account setup, purchases in three payments and payment-schedule tracking, keeping the core service focused on checkout and repayment rather than broader budgeting tools.
Atome+ awards one point per S$2 spent. Points can be redeemed for rewards or used in in-app prize games, a modest extra that does not change the central trade-off: spreading a purchase can help with cash flow, but payment dates still need to fit the shopper’s budget.
Key features
Installments and repayment
Pay-in-3 divides a purchase into three monthly payments, with the first due at purchase and no interest. That is the clearest option for shoppers who can meet the initial payment and want a short, predictable schedule. Pay-in-6 starts one day after purchase, with later payments every 30 days. Longer plans may carry a processing fee shown in the app at transaction time; plans beyond three months can incur a one-time fee of up to 3% of the purchase value, inclusive of GST. Compare that cost against the benefit of extending repayment before choosing a longer term.
If automatic deduction fails on the due date, Atome suspends the account and charges a S$15 or S$30 administration fee per late payment, depending on order amount. That consequence makes Atome a poor fit for anyone unsure they can keep funds available on schedule.
Merchant integrations
Atome supports online integrations including Shopify, WooCommerce, Magento, Prestashop, OpenCart, EasyStore, Wix and Salesforce. Its developer portal documents API integration for online transactions and Atome Cashier on POS for in-store transactions. A merchant dashboard and integration support for online or physical stores make it relevant to retailers adding installment checkout, although the value depends on whether their customers want this payment method.
Regulation and support
Atome says it is licensed as a Major Payment Institution under Singapore’s Payment Services Act 2019; the BNPL Code is administered by the Singapore Fintech Association. Support is open Monday to Friday, 09:30–18:30, and closed on weekends and public holidays, so help is not available through those channels on a weekend or public holiday.
Pricing
Atome uses a freemium model. Pay-in-3 costs nothing and is billed in three monthly payments, with the first due at purchase; it carries 0% interest at participating Atome merchants. This is the straightforward choice for shoppers who want to split a purchase without interest.
Longer payment plans have custom pricing and are billed monthly. Plans beyond three months may incur a one-time fee of up to 3% of the purchase value, inclusive of GST. The app displays any processing fee at transaction time, so the shopper should review the amount before confirming rather than assume an extended schedule is free.
Platforms
Atome supports Android, iOS and web for shoppers, plus API integration for merchants. Its omnichannel checkout covers participating online and physical retailers. Consumer regions are Singapore and Malaysia.
Who it's for
Atome fits mobile-first shoppers in Singapore and Malaysia who regularly buy from participating merchants and can keep up with the chosen repayment schedule. The no-interest three-payment option is its strongest use case. It is less suitable for shoppers who need more time but cannot absorb a possible plan fee, or who may miss automatic deductions. Merchants with online or physical checkout seeking to offer installment payments can also consider it, particularly if their platform is among the supported integrations.
Pros and cons
- Pros: Three monthly payments carry 0% interest at participating merchants, with the first payment due at purchase.
- Pros: QR checkout at participating physical stores complements online checkout.
- Pros: Atome+ points add a small reward for spending, redeemable for rewards or in-app prize games.
- Cons: Longer plans may add a processing fee, and plans beyond three months can cost up to 3% of the purchase value.
- Cons: A failed automatic deduction suspends the account and triggers a S$15 or S$30 fee per late payment, depending on order amount.
- Cons: Support is closed on weekends and public holidays.
Alternatives
For a broader comparison, see Buy Now, Pay Later Platforms.
Choose Tabby if four interest-free payments better suit the purchase; its Pay-in-4 plan is free, while fees, if any, for paying over time are shown at checkout.
Afterpay is another option for four interest-free installments over six weeks, with the first payment upfront and eligibility required. Its monthly plan is also an option for shoppers considering a longer schedule.
Scalapay offers free three- and four-installment plans; its four-payment option may involve a customer fee, so check whether that suits the purchase.
Zilch may suit shoppers who value rewards: its free Standard plan offers up to 5% rewards in-app only and has a £4.99 card fee, while Extra costs £2.99 a month and extends rewards beyond in-app purchases.
Klarna offers paid card memberships, including Core at $4.99 a month and Plus at $9.99 a month; consider it if a membership plan is more relevant than Atome’s merchant-based installment checkout.
Sunbit is worth considering for point-of-sale financing on loans from $50 to $20,000 over 3–72 months, at 0–35.99% APR, subject to approval and state restrictions.
Aplazo is another free-plan option to compare.
Oney is another freemium option to compare.
Verdict
Atome is a good choice for shoppers in Singapore and Malaysia who buy from participating retailers and can reliably make three monthly payments: its 0%-interest plan is clear, and checkout works online and in store. Look elsewhere if you need a longer schedule without a possible fee, or cannot risk a failed deduction and late-payment charge.
Getting started
- Open the Atome website or install its Android or iOS app
- Create an Atome account
- Choose a participating online or offline merchant
- Select Pay-in-3 or an available longer payment plan
- At a participating store, scan the Atome QR code at checkout
- Use the app to track the payment schedule
Limits worth knowing
Pay-in-3 is available at participating Atome merchants. Plans beyond three months may carry a one-time processing fee of up to 3% of the purchase value, inclusive of GST; failed automatic deductions can suspend the account and incur a S$15 or S$30 administration fee.
Questions
What does Atome Pay-in-3 cost?
The Pay-in-3 plan is listed as free, with three monthly payments and 0% interest at participating Atome merchants.
Which platforms support Atome?
Atome is available on Android, iOS, web and API. Merchant integrations listed include Shopify, WooCommerce, Magento, Prestashop, OpenCart, EasyStore, Wix and Salesforce.
Where can consumers use Atome?
Atome lists Singapore and Malaysia as consumer regions, with online and offline checkout at participating merchants.
Can merchants integrate Atome into a store?
Yes. The developer portal documents online API integration and Atome Cashier for offline POS transactions, and Atome supports major e-commerce platforms and payment gateways.
How are Atome+ points earned?
Shoppers earn one Atome+ point for every S$2 spent, then can redeem points for rewards or use them in in-app prize games.
What happens after a missed automatic payment?
If automatic deduction fails on the due date, the account is suspended and a S$15 or S$30 administration fee applies per late payment, depending on order amount.
