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 2.8.1

- Support adding multiple bank cards and deleting cards as well.
- You can make repayment before the payment due date.
- Fixed some bugs and improved product performance.
Enjoy! Time to own it!

Ratings and Reviews

4.5 out of 5
164 Ratings

164 Ratings

124337474 ,


would be nicer if there was an option to favourite a product and shows which products are sold instead of having to click them individually

Developer Response ,

Dear user, thanks for choosing Atome. Your feedback is well received. We strive to provide the best merchants to users and enable users to enjoy the things you love now, pay later. Thanks!

dolameM ih-KuwaitA ,

Better than credit card    ‌‍

Thankful to be able to pay in payments. And it didn’t freeze my whole balance like credit card instalment plan.        

Developer Response ,

Thanks for your review and support for Atome. We strive to provide the best merchants to users and enable users to enjoy the things you love now, pay later.

FVvian ,

Great App!

This app got very well minimalism design. Now got more shops to choose in SG. Just want to suggest that if there’s a SAVE button for each store is better, as sometimes we want to save our favourite stores.

Developer Response ,

Dear FVvian

Thanks for choosing Atome, your feedback is well received. We will work on it. Thanks!

App Privacy

The developer, APayLater Financials Pte Ltd, has 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


APayLater Financials Pte Ltd
72.9 MB

Requires iOS 11.0 or later. Compatible with iPhone, iPad and iPod touch.


English, Traditional Chinese

Age Rating


  • Family Sharing

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

You May Also Like