Atome PH - Pay later anywhere 4+

Shop anywhere with Atome Card

APayLater Financials Pte Ltd

Designed for iPhone

    • Free

iPhone Screenshots


The Atome Card is one of Southeast Asia’s leading financial services app offerings in the Philippines — a revolutionary new way to pay later anywhere that comes with no annual fees and zero minimum income requirements. Manage your budget effectively with 3 and 6-month installment plans at any online and in-store Mastercard merchants.
What you'll love about the Atome Card:
1. Apply in minutes
- Fast online application in 90 seconds with no minimum income required.
2. Flexible installment plans
- Pay later at 0% interest for up to 40 days and enjoy flexible installment plans for up to 6 months.
3. Shop with ease
- Manage your transactions and spending limit of up to ₱200,000 with ease in your Atome app.
4. Pay later anywhere
- Shop everywhere Mastercard is accepted — online, in-store, even overseas
5. Repay your bills with our diverse card payment methods
- Link your physical or virtual/digital card to make purchases on e-commerce platforms like Lazada, Shopee, Zalora, Agoda, Grab, FoodPanda, and for bill payment and online subscriptions.
- Add a debit/credit card and pay via bank transfer with just a few taps using 'Instapay'. Alternatively, choose to pay over-the-counter at 7-Eleven, Cebuana, LBC, and more.
Get started on the Atome app to enjoy the benefits and endless possibilities with the Atome Card today!


- Valid PH ID
- 18 years old and above
- No minimum income requirement
- No paperwork is needed


1. Download the Atome app and tap the 'Atome Card' tab on the home page
2. Choose your preferred Atome Card face and type
3. Fill in your personal information and complete your ID identification in just 90 seconds
4. Get approved in 1-2 days
5. Receive your Atome Card via mail with a spending limit of up to ₱200,000


1. Activate your physical Atome Card using the Atome app
2. Use the virtual card to shop at online stores
3. Use the physical card to shop both online and in-store

Connect with us via our social media channels.
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Atome Card Help Center:
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What’s New

Version 2.56.0

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

Ratings and Reviews

4.5 out of 5
5.9K Ratings

5.9K Ratings

M Marciana ,

Unfounded decline

I admire your app and your cause at first that is why I became a loyal customer but lately you are making my purchases quite tiring as my card keeps on getting declined even if I have more than enough amount to cover the payment. Plus what’s demeaning is when you declined my actual card application due to unmatched information. What unmatched information are you talking about when everything is as what could be seen in my submitted ID. Your customer service reps are sometimes inefficient in addressing concerns. They cannot answer my questions properly. It’s like we are just running around the bush. No light at the end of the tunnel as the idiom goes. Please fix your system and your actual card application review because instead of retaining your loyal customers, you are driving us away from you. 😇

Developer Response ,

Thank you for taking the time to write this review. Your kind words encourage us greatly. Happy shopping! - Mawar :)

Mammon's Baby ,

Risk System Problem

I have encountered a lot of problem with the app. My cards won't connect and I incurred admin fees for not being able to pay on time because of the the card problem. I was told it was a problem with the other banks not accepting atome, so I change three times. I'm not that much bothered even though ot was a hassle since I really wanted to enjoy the app. However, last week while I was trying for my SECOND PURCHASE I emcountered the propmt regarding the risk system blocking my purchase and the app prompted for me to appeal. After reaching out, the customer service told me that I won't able to use it anymore yet they refuse to give me the reason as to why. How come? How do you expect people to appeal when you don't even give a reason? What do we do appeal in the dark?

You blocked me out from the main purpose of the app but then again I can still use the card so it I did not comment on it, but lo and behold, now that I have updated, I CANNOT EVEN PAY FOR OTHER BALANCES?! what the hell atome? Can you at least give us some reason as to why this should not be reported to the government? Because to be honest I am already nearing my limits. One disappointment after the other. I could not even recommend this to other people. 😡

chub_peppa ,

Risk System Issue and Failure payment transaction

Recently, the application had an update for fixin’ the bugs and issues. Instead, I had an issue with atome app due to risk system issue found in my application which was odd. I’ve been using the app for quite sometimes and had no problem after the update.

I reached out their customer support team to help resolve my issue. One of the customer supports insisted to change my debit/credit card, to log out and log back in the app, or removing and reinstalling the app yet the result is the same. I’m disappointed on how they provide resolution to their customer. I’m thinking the customer support used canned answers and not truly investigate the problem that the users/customers been encountering. I hope this review will wake up their management to make necessary investigation of this problem because this will make their business bad in the eyes of all potential customers.

This is a promising platform that can help the consumers/customers to build their credit. However, if this issue will not be fixed then business will lose a lot of customers and will look for a better option.

Developer Response ,

Apologies for the inconvenience. Thanks for the review. -Toni

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
  • Search History
  • Identifiers
  • Usage Data

Data Linked to You

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

  • Contact Info
  • Search History
  • 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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