Atome vs Riverty
Atome
atome.sgRiverty
riverty.comSide by side
| Figure | Atome | Riverty |
|---|---|---|
| Price from | 0.75 SGD/mo | Free |
| Free plan | Yes | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 7 | 8 |
| Spec score · Buy Now, Pay Later Platforms | 9.2 (#1) | 8.4 (#3) |
| Company scale | LinkedIn lists Atome as a privately held Singapore financial-services company with 501–1,000 employees. | Riverty's about page reports 4,000 experts in 12 countries and more than one billion transactions. |
| Founded | LinkedIn lists Atome as founded in 2019. | 2022 |
| Integrations | The developer portal lists Shopify, WooCommerce, Magento, Prestashop, OpenCart, EasyStore, Wix and Salesforce integrations. | Official integration documentation lists Magento, Shopify, WooCommerce, Shopware, PrestaShop, Lightspeed, JTL, OXID, Myshop and Divide.o. |
| Public API | Atome publishes separate API documentation for online transactions and for cashier point-of-sale transactions. | The e-commerce API uses REST and documents operations with parameters, responses, sample requests and platform examples. |
| Rating on Apple App Store | 4.8 out of 5 from 55k ratings | 4.7 out of 5 from 164 ratings |
| Rating on Google Play | 4.7 out of 5 from 49.9K reviews | 3.2 out of 5 from 27.1K reviews |
| Rating on Trustpilot | 2.2 out of 5 from 17 reviews | 4.5 out of 5 from 68,969 reviews |
| 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. | Riverty is an online payment provider offering buy-now-pay-later, debt collection, accounting, parking and public-transport payment services. |
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
Riverty
- PauseFree
- 14/30-day invoicePriced on request
- Direct debitPriced on request
- Fixed installmentsPriced on request
- FlexPriced on request
- Monthly invoicePriced on request
- Pay in 3Priced on request
- Riverty Buy Now, Pay LaterPriced 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.