Atome vs FLOA
Atome
atome.sg
FLOA
floa.comSide by side
| Figure | Atome | FLOA |
|---|---|---|
| Price from | 0.75 SGD/mo | €1.25/mo |
| Free plan | Yes | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | — |
| Plans published | 7 | 2 |
| Spec score · Buy Now, Pay Later Platforms | 9.2 (#1) | 7.8 (#12) |
| Founded | LinkedIn lists Atome as founded in 2019. | 2001 |
| Headquarters | Singapore | Floa lists its registered office at Immeuble G7, 71 Rue Lucien Faure, 33300 Bordeaux, France. |
| Mobile app | The app lets users set up an account, make purchases in 3 payments and track their payment schedule. | The Floa app lets customers request financing, manage services, and spread payments from their mobile device. |
Plans
Atome
- Pay-in-3Free
- Pay-in-3Free
- Pay in fullFree
- Pay-in-120.75 SGD a month
- Pay-in-90.75 SGD a month
- Pay-in-63 SGD, paid once
- Longer payment plansPrice not published
In their own words
Atome
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.