Atome enables you to own the things you want, pay later in 3 interest-free payments.

Atome automatically splits your bill into 3 interest-free installments at thousands of stores. No interest. No service fee. Pay only 1/3 of the amount at the time of purchase and receive your items first. The next two payments will be spread 30 days apart.

Atome partner with top stores & brands, from Sephora to IUIGA, iStudio to Agoda. Whatever you’re looking for beauty, fashion, furniture or home electronics, Atome will provide you with the latest trends.

Easy Payment
All it takes is 72 seconds to register an account and complete a transaction. Payments are automatically deducted.

1.After downloading our mobile app and setting up your account, you can shop and pay later.

2.Browse our directory of merchants, find your favorite stores. Scan an Atome QR code to pay if you’re at offline stores or choose Atome as a payment option when you’re on a merchant’s website.

3.Your purchase will be split into 3 interest-free payments.

4.Check the status of your payment schedule under “Bills” on the app. You’ll also be informed when your payment cycle is completed.

5.Atome supports credit card or debit cards across major banks for repayment.

Download Atome, enjoy the freedom to shop now pay later at your favorite stores!

You can follow us at our social media channels below:

Official Website:

What’s New

Version 3.14.1

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

Ratings and Reviews

4.8 out of 5
10.7K Ratings

10.7K Ratings

Sindhu B ,

Wonderful payment option with 0% interest rates

I was skeptical to try and trust this app. Later when I saw them across various counters at various shopping centres like innisfree, Sephora and more I really wanted to give it a try and it worked. I would highly recommend this app for bulk purchases where you can go for 3 easy installments.

Developer Response ,

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

Khizer Alhtar ,

Terrible Customer Service and Risk Based Rejection

On sign-up: right away after adding my info my account was blocked without any reason. Sent an email to CS, they responded its been unblocked. Went to buy an item and choose payment options. The transaction kept having error. Sent and email to CS again, turns out my account was blocked/suspended again for some risk based factor which the Cs representative didn’t share much about at all. There was neither a solution given to me nor was I asked about my experience and what had happened. I still don’t understand what is actually the issue and why I’m not able to use the service. Extremely dissatisfied and poor experience. I still like the service they provide but wish there was a way to understand what actually is the issue with my account.

Developer Response ,

Hello there, we are sorry for bringing any inconvenience and unpleasant experience to you. This is definitely not the experience we would like to provide to you. Could you please contact us at Our team will reach out to you soon! Thank you and stay safe

060606960060606 ,

Payment can’t be process

Firstly i wanna say it’s the worst app i ever use. For the first time i download it & try to make the payment to purchase my travel pass & it can’t be process, I keep trying and trying, still can’t work. So i thought it’s my bank that have issue & the bank say no issue in it. Then i try another bank card & still the same. Then i email atome regarding about my problem & they say u can’t make payment because of risk level and rejection. Can you guys explain it to me why & what is the risk level to you guys means?it’s my first time booking. Such a disappointment. 👎🏻

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


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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