atome MY - Buy now Pay later 4+

3 easy payments, 0% interest‪.‬

APayLater Financials Pte Ltd

Designed for iPhone

    • Free

iPhone Screenshots


Atome is the leading buy now pay later (BNPL) app in Southeast Asia that enables you to shop what you love, both online and in-store, anytime, anywhere. Atome works seamlessly with 15,000+ merchants in 7 markets including Singapore, Indonesia, Malaysia, Philippines, Thailand, Vietnam, and Hong Kong.

How to make payments with Atome app?
1. Select Atome.
If you’re shopping online, select Atome during checkout. If you’re at a participating physical store, scan the QR code at the cashier.

2. Make payments.
Atome automatically splits your purchase into 3 interest-free payments. Pay the first payment at the point of purchase. The next two payments will be spread across the next 30 days. No interest fees or hidden charges.

3. Check bills.
Check the status of your payment schedule under “Bills” in the app. You will also be informed when your payment cycle is complete.

Download the Atome app right now to enjoy an RM15 shopping voucher on your first purchase and pay later at your favorite stores online or in-store! Shop now pay later, and you might get unexpected discounts or cashback at popular brand stores.

As one of the leading buy now pay later apps in Southeast Asia, Atome stands out from the crowd with these features.

Buy Now Pay Later
Atome automatically splits your bill into 3 interest-free installments at thousands of brand stores in Malaysia. Pay only 1/3 of the amount at the time of purchase and get your favorite items first. The next two payments will be spread across the next 30 days.

Flexible payments with 0% interest
It merely takes you 72 seconds to register an Atome account and complete a transaction. Payments are automatically deducted from your preferred credit card or debit card to avoid late payments. 0% interest. No service fee. No hidden fee.

Shop Online & Offline
Atome partners with famous brands both at home and abroad. Featured brands include ZALORA, SHEIN, CHARLES & KEITH, B.Adore, L’OCCITANE en Provence, Carlo Rino, SABELLA, Sephora, XIXILI, Fresh, Watsons, SASA, Fashion Valet, Novelship, CROSSOVER, PatPat, ezbuy, Starbucks, Switch, Machines, PRISM+, Razer, Mayer, TTRaching, Banggood, Eu Yan Sang, Nike, JD Sports, Al-ikhsan Sport, SELLECTION, New Era, Club 21, LUSH, Isetan, Bjak, Melissa, Havaianas, OSIM, Cotton On, and Agoda.

Aiming to enhance the offline and online shopping experience of its users, Atome's partnered merchants range from women, beauty, men, fashion, baby & kids, food & drinks, home, electronics, sports & outdoors, lifestyle, health, to travel. Act now to shop Malaysia for good products or services at a rock-bottom price.

Vouchers, Exclusive Deals, Recommended Stores, Promotion Notifications
• Atome-exclusive welcome vouchers on your first purchase
• Great deals and exclusive discounts at partner retailers for new users, existing users, or all users
• Personalized store recommendations to get your favorite items at great prices
• Promotions/Flash Sales notification to offer you the best deals
• Easy access to coupon code for desirable items

Atome is dedicated to offering you the best shopping experience at partner merchants with ‘buy now pay later’ service. Should you have any questions, please reach out to us at

We would appreciate it if you could leave your favorable ratings and reviews after enjoying a pleasant shopping experience with the Atome app.

Want to know more about Atome? Simply follow us on our social media channels.
Official website:

What’s New

Version 2.54.0

-Fixed some bugs and improved product performance.
-Enjoy! Time to own it!

Ratings and Reviews

4.9 out of 5
42K Ratings

42K 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? :)

Bonaventure Bidi ,

Unable to process payment.

After I paid the late payment of my purchase at switch outlet. Now I’m unable to do purchase at any electronic store. After few email with the atome support team, I was being told to change to other card, wait for 7 days or try to attempt a lower amount. But none of these works. When I try to make purchase at different store (non electronic), the purchase was successful.

I think atome supports via email cannot handle my problem. I missed my Atome apps. Now I have to move to other apps because of these issue. Atome support team, please help me fix this issue.

Developer Response ,

We understand this can be frustrating. We are working towards making this better. Thanks for taking out time to rate us. It really helps us to keep going and delivering the best :)

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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