Atome vs Kueski Pay
Atome
atome.sg
Kueski Pay
kueskipay.comSide by side
| Figure | Atome | Kueski Pay |
|---|---|---|
| Price from | 0.75 SGD/mo | — |
| Free plan | Yes | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 7 | 2 |
| Spec score · Buy Now, Pay Later Platforms | 9.2 (#1) | 7.5 (#21) |
| Founded | LinkedIn lists Atome as founded in 2019. | 2012 |
| Headquarters | Singapore | Guadalajara, Jalisco, Mexico |
| Integrations | The developer portal lists Shopify, WooCommerce, Magento, Prestashop, OpenCart, EasyStore, Wix and Salesforce integrations. | The merchant page lists Shopify, VTEX, WooCommerce, PrestaShop, and Magento integrations, plus an SDK option for other systems. |
| Merchant support | Atome says it supports major e-commerce platforms and payment gateways and can help merchants integrate online or in physical stores. | Merchant support is listed by email and WhatsApp from 8 a.m. to 9:30 p.m. Monday through Sunday. |
| 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. | Kueski Pay lets customers buy now and pay in fortnightly installments without a credit card or down payment. |
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
Kueski Pay
- Kueski Pay (customer purchases)Priced on request
- Kueski Pay for merchantsPriced on request
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.
Kueski Pay
Kueski Pay is a Mexico-only buy-now, pay-later service for eligible purchases. Customers apply online through a short form and receive an immediate decision, subject to eligibility. No credit card or down payment is required. Listed purchase amounts run from $60 to $26,000 MXN, subject to approval and restrictions. Repayment plans cover 2, 4, 6, 8, 10, or 12 fortnightly installments, with interest; seasonal promotions may offer 2 or 4 installments without interest. The Kueski app shows balances and payment dates, accepts payments, helps users find merchants, presents offers, and provides cashback. Payments can use automatic payment, the BBVA app, bank transfer, debit card, BBVA Practicaja, OXXO, and affiliated stores. Merchants receive the full sale in one payment, while Kueski handles later repayment and says it assumes all fraud and chargeback risk. Merchant connections include Shopify, VTEX, WooCommerce, PrestaShop, Magento, Tienda Nube, and an SDK. Merchant fees are a transaction percentage plus IVA, with no fixed costs and rates supplied on inquiry. The service runs on Android, iOS, web, and API.