atome SG - Buy now Pay later 4+

3 easy, interest-free payments

APayLater Financials Pte Ltd

Designed for iPad

    • Free



Atome is Asia’s leading Buy Now, Pay Later (BNPL) app. Download Atome today and shop what you love, at your own time. Enjoy flexible payment solutions at a wide variety of popular online and offline retailers across categories like fashion, beauty, lifestyle, fitness and homeware.

Download the Atome app today to enjoy up to $10 voucher on your first purchase.

Atome partners with famous brands both at home and abroad. Featured brands include Sephora, SHEIN, ZALORA, ZARA, Coach,Agoda, Nike,Adidas,MAC, Estee Launder, IDS Skincare, MCM, 6XITY8IGHT, Qoo10, PatPat, Dyson, BHG, Samsung, Singtel, ezbuy, Banggood, TANGS, IUIGA, Novelship, Lovet, ALDO, hervelvetvase, Converse, OSIM and Swee Lee.Enjoy bnpl with Atome app.


1. Select Atome as the mode of payment
If you’re shopping online, select Atome during checkout. If you’re at a participating physical store, use your Atome app to scan the QR code at the cashier.

2. Make payment
Atome automatically splits your purchase into 3 interest-free payments. Complete the first payment at the point of purchase. The next two payments will be scheduled 30 days apart.

3. Keep track of your bills
The Atome app does all the work for you so you’ll never miss a payment again. Easily check your payment schedule under “Bills” on the app. You’ll also be informed whenever payments are due and when your payment cycle is complete.


1. Buy now, pay later
3 easy payments, 0% interest. Atome automatically splits your bill into 3 interest-free installments at thousands of stores. Pay only 1/3 of the amount at the time of purchase. The next two payments will be spread across the next 30 days.

2. Fuss-free payments
You’ll take only 72 seconds to register for an Atome account and complete your first transaction. Payments are automatically deducted from your preferred credit card or debit card — so you’ll never have to worry about missing a payment.

3. Shop online and in-stores
Use Atome to pay later at all your favourite brands including Sephora, MAC, Estee Lauder, IDS Skincare, SHEIN, ZALORA, ZARA, Coach, MCM, 6IXTY8IGHT, Qoo10, PatPat, Dyson, BHG, Samsung, Singtel, ezbuy, Banggood, TANGS, IUIGA, Novelship, Lovet, ALDO, hervelvetvase, Nike, Converse, OSIM, Swee Lee, and Agoda. Atome is accepted at a wide range of offline and online shopping categories including women’s and men’s fashion, beauty, home, baby & kids, electronics, sports, outdoors, travel and lifestyle.

4. Vouchers and discounts
Download our app to get first dibs on special discounts, cashback, exclusive deals, recommended stores and other promotion notifications. Here’s what you can expect:
- Atome-exclusive welcome voucher on your first purchase
- Best deals and exclusive discounts at our partner retailers for new users and existing users
- Personalised recommendations so you can get your favourite items at great prices
- Promotion notifications so you never miss out on the best deals


Atome is dedicated to offering you the best shopping experience with our flexible payment solutions. Should you have any questions, please reach out to us at Love using Atome? Leave us a rating and review on the app store and follow us on our social media channels:


What’s New

Version 3.64.0

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

Ratings and Reviews

4.8 out of 5
27.9K Ratings

27.9K Ratings

AK 999 ,

Bad Service. Feels like a scam.

STRONGLY NOT RECOMMENDED . DO NOT USE THIS APP’S SERVICES. IT FEELS LIKE A FINANCIAL SCAM. The service may charge you $15 for admin fee during the final payment. For the reason that their system’s attempt to charge you during the final payment is being declined and you missed the deadline by 1 day. Someone will call you to inform you about this failed transaction and they will make sure to ask if you will make the payment after the call. This makes it feel like a scam. This should be an automated payment service hassle free. I used apple pay to complete payments for my purchase. So there should be no issue and no reason for the attempt to be declined. The first and second payments went through without issues. However for the final payment I don’t know what happened but their system suddenly cannot process the final payment and if you missed the deadline by 1 day. Then SURPRISE SURPRISE charge of $15 for admin fee added to the payment that is due. It’s not my fault. It’s their system’s fault and they are charging me for their systems inefficiency.

Bluesphinx08 ,


Hi Atome and to future Atome users,
Please do not use this app by any means! I have been using this app for i guess a year now. I have not missed any payment at all. I have bought for a good number of items. And my last purchase, i missed my last payment. And voila, they charge me of admin fee for 15$ just like that. So that was fine. I am willing to shoulder that as I missed my payment. Fair enough. But wait, there is more. I got a WhatsApp msg from a Philippine number, asking me when I should pay the final payment and let me know by today and so on! And few unknown numbers were calling me. After I made the payment, i ss and send to this WhatsApp number and guess what no reply after that. Wow! Just wow atome. And yes, can I tell you how much was my final bill? It was freaking 25$ and I felt like I was running away from a million dollar debt from them. Oh my god ATOME. Please, have a sense of consideration. I hope you get bankrupt soon! Enjoy!

Developer Response ,

Hi, we apologize for this. Please send us your concern at along with the screenshot of the error you receive. This will be handled with utmost priority.-Hiran

Ziii89 ,

Very bad Customer Service

There was always more than sufficient funds linked to my bank account & out of all months, they chooses the Final payment to have “failure in deduction” & charges $15 for it. My account was being blocked until i forcefully made the so called “due” payment plus the administrative fee of $15 before they could reactivate my account.
I tried to contact their customer service, but they are not interested in assisting me with my concern & all their concern is “Can you pay by today?” The even whatsapp call me for the payment to be done as immediate.
So to my point of view, they are just no less than the scammers out there. At your very Final payment, they would do such hiccups & don’t bother to even attend to your concern. All they care is money & that is their way to earn the profit from you, when in the very first place they show zero effort in trying to resolve your issue! STRONGLY NOT RECOMMENDED

Developer Response ,

Dear user, we would like to apologize for the frustration you have experienced with the repayment team. We want you to know that we appreciate your feedback. It will allow us to resolve any problems and help us improve our services. Therefore, we have forwarded it to the repayment team manager to look into it accordingly and coach the collection team. Nevertheless, we are always happy to waive or refund the admin fees. Feel free to email us at for further assistance and also for us to investigate further on this matter. 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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