atome MY - Buy now. Pay later 4+

3 easy payment with 0 interest

APayLater Financials Pte Ltd

Designed for iPhone

    • Free

iPhone Screenshots


Atome enables users to own the things you love now and pay later, the bill will be split into 3 interest-free monthly payment. Pay only 1/3 of the amount at the time of purchase and receive your items first. No hidden fees, 0% interest. Simple like that!

Enjoy the convenience and hassle-free experience by downloading Atome NOW!

Set up your account in two easy steps in Atome app, then you are all set to buy now, pay later with your favorite products in store. Just look for “WE ACCEPT Atome” sign and simply scan the QR code at the cashier.

Using Atome app to purchase the products, check your transaction history, receive reminders of upcoming bills and be notified about exciting offers in one place.

Atome supports credit card or debit cards across major banks for repayment. No processing or hidden fees.

You can use Atome at any of our merchant partners. We are constantly improving our services by expanding our merchant network and product offering.

Download the app now, own what you love today, pay later.

You can follow us at our social media channels below:

Official Website:

What’s New

Version 2.31.1

- Atome app just got more fun! Now you can browse image content in store details page to get shopping inspirations handpicked just for you!
- Fixed some bugs and improved product performance.
- Enjoy! Time to own it!

Ratings and Reviews

4.9 out of 5
18.1K Ratings

18.1K Ratings

Achreseus ,

The best shopping app ever!

I was introduced to this app one day by a merchant after their terminal had network issue. I was sceptical at first, but after I downloaded it & saw how cheap things became without any catch, I ended purchasing more stuff (and it still didn’t break my bank) that day & I never look back. Since that fateful day, shopping has turned into something Strategic for me. Everytime I passed through any shops at any mall, I’d be looking over at their counter to see any sign of Atome. No Atome, no deal. THAT’S how much Atome has changed my shopping habit. I just wish they could be placed in many more physical shops at the mall. I’m even thinking to buy Samsung & iPhone & converted it. But sadly some Samsung flagship merchant didn’t know how to use this Atome. They just had to loose their business that day and I went to other store at a different mall. Please educate your merchant too, I was disappointed at one of them.

Developer Response ,

Thanks for the 5-stars rating and we also would like to thank you for using our online payment platform. Could please contact our customer care at for us to investigate further on this matter? :)

CarmunChan ,

I don’t usually write reviews but this deserves it

Best installment payment gateway for your business? Think no further. Atome has been so awesome to work with. Great campaigns, deals and the BEST customer service. If your store needs a installment payment gateway, make sure to look for Brandon Cheng from Atome. He literally puts the clients first, and puts your worries at ease.

For people who are consumers, check out their deals, they have so much variety from beauty to gadgets etc.

Developer Response ,

Thanks for your words!!!

Chace91 ,

Exorbitant charges

I’ve been using this app for quite some time now spending over 3k consistenly paid. However since this weekend I was out of town, I forgot to set my default payment to my preferred card. I was only given 1 notice today saying that my account has been blocked and I need to pay RM50 admin fee to unlock my account (this is a final payment for the order I made). Where’s the other notification? I should be notified through registered email too not only through texts. It says there I need to settle payment within 3 days or else there’s the admin fee but on the 3rd day itself I was charged and my account was locked. The charges levied not in 3 days but 2 days time. Nevermind that but the fee is very expensive compared to other financial institution’s interest. Misleading T&C, exorbitant charges and to think I’ve been a long time customer. Never again. Will pay all and will uninstall, review stars remain 1 (if I could give them 0, I would) as I do not see why they should be given more.

Developer Response ,

Dear Chace, we are sorry for bringing any inconvenience and unpleasant experience to you. We totally understand your concern. Nevertheless, we updated our admin fee t&c recently. Please check our website for more details; Hope you received messages reminders and payment status via SMS for your payments as sending via email, it could end up in the Junk/Spam, and hence, why we don't send via email. Upon checking under your ticket, your admin fee has been waived by the repayment team. We are always happy to waive or refund the admin fees. Feel free to email us anytime for further assistance. Thank you and stay safe.

App Privacy

The developer, APayLater Financials Pte Ltd, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Contact Info
  • Identifiers

Data Linked to You

The following data may be collected and linked to your identity:

  • Contact Info
  • Identifiers
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More

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