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atome.sg
What it is
Atome is a digital consumer financing platform that lets shoppers divide purchases at online and participating physical retailers. Its Pay-in-3 option costs nothing: the first of three interest-free payments is due at purchase, with the rest paid monthly. Longer plans may include a processing fee shown in the app when the transaction is made; fees for plans beyond three months can be up to 3% of the purchase value, inclusive of GST. At participating stores, shoppers can scan an Atome QR code at the cashier. The app supports account setup, purchases in three payments and payment-schedule tracking. Shoppers earn one Atome+ point per S$2 spent, redeemable for rewards or in-app prize games. Merchants can use documented APIs for online transactions or Atome Cashier on POS for in-store transactions, with integrations including Shopify, WooCommerce, Magento, Prestashop, OpenCart, EasyStore, Wix and Salesforce. Atome lists Android, iOS, web and API platforms, and Singapore and Malaysia as consumer regions.
Spec sheet
- What it does
- Atome is a buy-now-pay-later service that lets shoppers divide purchases into scheduled payments at participating online and physical retailers.Read 19 Oct 2026 · atome.sg
- 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.Read 3 Oct 2026 · atome.sg
- Integrations
- The developer portal lists Shopify, WooCommerce, Magento, Prestashop, OpenCart, EasyStore, Wix and Salesforce integrations.Read 3 Oct 2026 · partner.apaylater.com
- Headquarters
- SingaporeRead 28 Sep 2026 · atome.sg
- Founded
- LinkedIn lists Atome as founded in 2019.Read 19 Oct 2026 · linkedin.com
- API and POS
- The developer portal documents API integration for online transactions and Atome Cashier on POS for offline transactions.Read 3 Oct 2026 · partner.apaylater.com
- API data access
- The Salesforce integration requires billing address, shipping address, order details and customer profile data.Read 19 Oct 2026 · partner.apaylater.com
- API limitation
- In the Salesforce cartridge, cancel and refund API calls are available only through custom functionality rather than the default SFRA site.Read 19 Oct 2026 · partner.apaylater.com
- API operations
- The Salesforce integration documentation lists create-payment, payment-information, cancel and refund operations.Read 19 Oct 2026 · partner.apaylater.com
- App integrations
- The app lists rewards or shopping connections involving KrisFlyer, NTUC Linkpoints, Grab, TADA, Lazada, Shopee and FairPrice.Read 19 Oct 2026 · apps.apple.com
- Automatic billing
- The first instalment is charged at purchase and later instalments are taken monthly.Read 19 Oct 2026 · atome.sg
- Checkout methods
- Customers choose Atome online or scan a merchant QR code in stores.Read 19 Oct 2026 · atome.sg
- 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.Read 19 Oct 2026 · linkedin.com
- 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.Read 19 Oct 2026 · linkedin.com
- Company scale
- LinkedIn lists Atome as a privately held Singapore financial-services company with 501–1,000 employees.Read 19 Oct 2026 · linkedin.com
- 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.Read 3 Oct 2026 · atome.sg
- Developer documentation
- The developer portal provides API guides, platform setup pages, FAQs and email support links.Read 19 Oct 2026 · partner.apaylater.com
- Funding
- LinkedIn states Advance Intelligence Group has raised more than US$700 million and secured over US$1 billion supporting its credit book.Read 19 Oct 2026 · linkedin.com
- In-store checkout
- At participating offline stores, shoppers can scan Atome’s QR code at the cashier.Read 3 Oct 2026 · atome.sg
- Interest-free installments
- Customers can choose 3 interest-free payments, with the first due at purchase and later payments monthly.Read 3 Oct 2026 · atome.sg
- 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.Read 3 Oct 2026 · help.atome.sg
- Licence and legal entity
- The Singapore site identifies Apaylater Financials Pte. Ltd., registration number 201936265H, licence PS20200511, and says it complies with BNPL Standards.Read 19 Oct 2026 · atome.sg
- Limit: account transparency
- The Chrome-Stats review summary includes complaints that remaining credit and balances are not clearly shown.Read 19 Oct 2026 · chrome-stats.com
- Limit: customer support
- Review summaries and recent Google Play reviews repeatedly describe template replies, unhelpful support and difficulty reaching a human.Read 19 Oct 2026 · chrome-stats.com
- Limit: declined transactions
- Independent app reviews report payment processing failures, declined transactions and risk systems blocking otherwise current accounts.Read 19 Oct 2026 · play.google.com
- Limit: fees and timing
- Trustpilot and Google Play reviewers complain about S$15 late or administration charges and payment attempts being brought forward or failing unexpectedly.Read 19 Oct 2026 · trustpilot.com
- Limit: rewards expiry communication
- An Apple App Store reviewer complained that Atome+ point expiry dates were not proactively displayed and had to be calculated manually.Read 19 Oct 2026 · apps.apple.com
- Longer plans
- Atome says longer plans may carry a processing fee displayed in the app at transaction time.Read 3 Oct 2026 · atome.sg
- Merchant proposition
- Atome markets partner merchants on larger baskets, improved conversion and new customers.Read 19 Oct 2026 · atome.sg
- Merchant support
- Atome says it supports major e-commerce platforms and payment gateways and can help merchants integrate online or in physical stores.Read 3 Oct 2026 · atome.sg
- Mobile app
- The app lets users set up an account, make purchases in 3 payments and track their payment schedule.Read 3 Oct 2026 · atome.sg
- Notable news: awards
- Atome said on March 11, 2026 that Sensor Tower named it Asia’s most popular BNPL app by monthly active users for the 2025 APAC Awards.Read 19 Oct 2026 · atome.sg
- Notable news: profitability
- Atome reported US$236 million operating income and full-year profitability for 2024 in a September 2, 2025 news post.Read 19 Oct 2026 · atome.sg
- Praise: budgeting
- The same review summary says users value installments for cash-flow control and purchasing expensive gadgets.Read 19 Oct 2026 · chrome-stats.com
- Praise: convenience
- The Google Play review summary highlights easy duration selection, installment flexibility and convenience for online shopping.Read 19 Oct 2026 · chrome-stats.com
- Public API
- Atome publishes separate API documentation for online transactions and for cashier point-of-sale transactions.Read 19 Oct 2026 · partner.apaylater.com
- Rating on Apple App Store
- 4.8 out of 5 from 55k ratingsRead 19 Oct 2026 · apps.apple.com
- Rating on Chrome-Stats Google Play mirror
- 5.00 out of 5 from 44,748 ratingsRead 19 Oct 2026 · chrome-stats.com
- Rating on Google Play
- 4.7 out of 5 from 49.9K reviewsRead 19 Oct 2026 · play.google.com
- Rating on Trustpilot
- 2.2 out of 5 from 17 reviewsRead 19 Oct 2026 · trustpilot.com
- Retail footprint
- Atome says shoppers can use it at thousands of retailers across the region.Read 19 Oct 2026 · atome.sg
- Retail integrations
- The developer portal documents platform integrations for Shopify, WooCommerce, Magento, PrestaShop, OpenCart, EasyStore, Wix and Salesforce.Read 19 Oct 2026 · partner.apaylater.com
- 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.Read 3 Oct 2026 · atome.sg
- Rewards points
- The service awards one Atome+ point for every S$2 spent.Read 19 Oct 2026 · atome.sg
- Rewards redemption
- Atome+ points can be exchanged for rewards and used in an in-app prize wheel.Read 19 Oct 2026 · atome.sg
- Security and safeguarding
- Customer funds are held in Singapore licensed-bank trust accounts segregated from Atome’s own funds, although commingling can create shared shortfall risk.Read 19 Oct 2026 · help.atome.sg
- Support hours
- Atome lists support business hours as Monday to Friday, 09:30–18:30, and closed on weekends and public holidays.Read 3 Oct 2026 · atome.sg
- System requirements
- The iOS listing supports iPhone and iPad, is free, is 194.2 MB and is not verified for macOS.Read 19 Oct 2026 · apps.apple.com
Plans and prices
Pay-in-3 Free Three payments; no processing fee Interest-free · online or in-store Read 19 Oct 2026 · help.atome.sg
Pay-in-3 Free 3 monthly payments; first payment at purchase 0% interest · participating Atome merchants Read 3 Oct 2026 · atome.sg
Pay in full Free No processing fee Single payment Read 19 Oct 2026 · help.atome.sg
Pay-in-12 0.75 SGD a month Monthly processing fee equal to 0.75% of total purchase value Twelve payments · selected users only Read 19 Oct 2026 · help.atome.sg
Pay-in-9 0.75 SGD a month Monthly processing fee equal to 0.75% of total purchase value Nine payments · selected users only Read 19 Oct 2026 · help.atome.sg
Pay-in-6 3 SGD, paid once One-time fee equal to 3% of total purchase value Six monthly payments · fee applies at selected stores Read 19 Oct 2026 · help.atome.sg
Longer payment plans Price not published Monthly; processing fee may apply Plans beyond 3 months · one-time fee up to 3% of purchase value, inclusive of GST Read 3 Oct 2026 · help.atome.sg
Strong points and limits
Strong points
- Pay-in-3 has 0% interest at participating merchants.
- QR checkout is available at participating offline stores.
- Earn one Atome+ point per S$2 spent.
- Online API and offline POS options are documented.
Limits
- Longer plans may carry a processing fee.
- Late payments can suspend accounts and incur S$15 or S$30 fees.
- 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 with participating merchants. Merchants seeking online or in-store checkout integrations may also find its tools relevant.
Atome in depth
Read the full write-up
Atome is a buy-now-pay-later service for shoppers buying from participating online and physical retailers. It is most compelling for consumers in Singapore and Malaysia who can comfortably meet three monthly payments; the no-interest option is straightforward, but longer schedules and late payments can add costs.
Overview
At checkout, Atome divides an eligible purchase into three payments, with the first due immediately and the next two due monthly. At participating stores, shoppers can scan a QR code at the cashier, giving the service a route through both online and in-person purchases. That breadth is useful, but it is not universal: the merchant must support Atome.
The mobile app handles account setup, purchases and payment-schedule tracking. Shoppers earn one Atome+ point per S$2 spent, redeemable for rewards or in-app prize games. Points add an incentive, but they should not outweigh whether the repayment dates and total cost suit the purchase.
Key features
Payment schedules and charges
Pay-in-3 carries 0% interest and costs nothing, with the first installment at purchase and subsequent payments monthly. It works best for shoppers who can cover the upfront payment and keep room in their budget for the next two. Pay-in-6 instead starts one day after purchase, then charges every 30 days. For plans beyond three months, a one-time processing fee of up to 3% of the purchase value, inclusive of GST, may apply; the app displays any applicable fee at transaction time. A longer window can ease the schedule, but it is not automatically the cheaper choice.
Shopper rewards and merchant connections
Atome+ points accrue at one per S$2 spent and can be exchanged for rewards or used in prize games. For merchants, the developer portal documents API integration for online transactions and Atome Cashier on POS for physical sales. Integrations include Shopify, WooCommerce, Magento, Prestashop, OpenCart, EasyStore, Wix and Salesforce. This gives merchants several established routes to add Atome, though the actual fit depends on their store setup.
Late payments and protections
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 the order amount. That consequence makes reliable repayment essential; shoppers who may not have funds ready should avoid relying on installments. 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.
Pricing
Atome uses a freemium model. The Pay-in-3 plan is free, billed in three monthly payments, with the first payment at purchase and 0% interest at participating Atome merchants. It is the clearest fit for shoppers who want a short, interest-free schedule and can meet each due date.
Longer payment plans have custom pricing. Plans beyond three months may carry a one-time fee of up to 3% of the purchase value, inclusive of GST, and any processing fee is shown in the app at transaction time. Choose a longer plan only after weighing that fee against the benefit of spreading payments further. No seat, quota or trial terms are given.
Platforms
Atome supports Android, iOS and web for shoppers, and offers an API for merchant integration. Its checkout is omnichannel, spanning online transactions and QR-based in-store checkout at participating retailers. Consumer regions are Singapore and Malaysia.
Who it's for
Atome suits mobile-first shoppers in Singapore and Malaysia who buy from participating merchants, value predictable monthly installments and can keep funds available on schedule. Merchants looking to add a consumer financing option across online and physical checkout may also find its platform integrations and API/POS routes relevant. It is a poor fit for shoppers with uncertain repayment capacity, given the account suspension and per-payment late fee if automatic deduction fails.
Pros and cons
Pro: Pay-in-3 has 0% interest and a first payment at purchase followed by monthly installments, making the core schedule easy to plan around.
Pro: QR checkout in participating physical stores complements online purchases, while the app tracks payment dates.
Pro: Atome+ earns one point per S$2 spent, with redemption options for rewards or prize games.
Con: Longer plans may incur a one-time fee up to 3% of purchase value, so extending repayment can add a meaningful cost.
Con: A failed automatic deduction triggers account suspension and a S$15 or S$30 fee per late payment, making missed dates costly.
Con: The shopper experience depends on merchant participation, limiting where Atome can be used.
Alternatives
Tamara is worth considering for shoppers who want a Pay in 3 plan with three equal monthly payments and 0% APR, subject to eligibility and merchant offer. Scalapay offers a no-interest Pay in 3 plan and a Pay in 4 option where a customer fee may apply, so it may suit someone seeking four installments instead. Tabby has a four-payment plan described as interest-free and fee-free, and may fit shoppers preferring that cadence.
Billie is a business-payments alternative; consider it when the purchase is for a business rather than a consumer installment checkout. Zilch offers a free Standard plan with up to 5% rewards in-app and a £4.99 card fee, which may appeal to shoppers prioritizing rewards. Afterpay offers four interest-free installments over six weeks with the first payment upfront, an option for shoppers who prefer that shorter cadence.
Klarna offers paid card membership plans, so it is a possible alternative for shoppers seeking a membership-based card service. Aplazo is another platform to compare. For a broader shortlist, see Buy Now, Pay Later Platforms.
Verdict
Choose Atome if you are in Singapore or Malaysia, shop with participating retailers and want three interest-free monthly payments with app-based schedule tracking. Its QR in-store checkout and merchant integration routes broaden its usefulness beyond online shopping. Look elsewhere if you need coverage at non-participating merchants, cannot reliably meet automatic deductions, or want a longer plan without a possible processing fee.
Verdict
Atome specifies its installment timing, merchant integration options and late-payment consequences. Check the terms for a longer plan in the app before committing, since a processing fee may apply.
Where Specifiction places it
- Buy Now, Pay Later Platforms#1 of 269.2
