Atome ID - Shop Now Pay Later 4+

Shopping with installments‪.‬

APayLater Financials Pte Ltd

Designed for iPhone

    • Free

iPhone Screenshots


Atome is one of Southeast Asia's leading digital consumer financing platform platform. Short for "Available to Me", Atome offers shoppers flexible payment solutions at popular online and offline retailers across categories like fashion, beauty, lifestyle, travel, fitness and homeware.

We empower a new generation of digital-savvy, mobile-first consumers by giving them smarter access to their aspirations.

Atome is revolutionizing the pay later shopping landscape with the launch of the Atome Card. This virtual and physical card enables cardholders to shop online or in-store everywhere Visa is accepted.


- Valid ID (KTP)
- 18 years old and above
- No minimum income requirement
- No paperwork needed


1. Download the new version of Atome app and tap the 'Atome Card' tab
2. Fill in your personal information and complete your ID identification in just 90 seconds
3. Get approved in 2 days working days
4. Receive your Atome Card via mail with a spending limit of up to Rp50.000.000


1. Activate your virtual and 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 where Visa is accepted

Besides shopping with the Atome Card, you can use the Atome app to enjoy Buy Now, Pay Later payments at your favorite brands. Download the Atome app today to start.


1. Pay with Atome
If you’re shopping online, select Atome during checkout. If you’re at a participating offline store, just scan our QR code at the cashier.

2. Choose from flexible payment options
Atome allows you to pay flexibly. Choose from 3 interest-free payments, or opt for more time with a small processing fee. All fees are clearly displayed in the app when you transact. You'll pay the first payment at the point of purchase, and subsequent payments monthly.

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
Split your purchase into 3 or more payments.
Some things in life shouldn't have to wait. With Atome, you can get a head start. Split your purchase into 3 interest-free payments or opt for more time with a small fee at our brand partners.

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 ZALORA, Agoda, Zara, Masimo Dutti, Tumi, Sogo, The Food Hall, Sports Station, Matahari Department Store, Farmers Market, and many more. Atome is accepted by a wide range of offline and online brands ranging from women’s and men’s fashion to beauty, home, baby & kids, electronics, sports, outdoors, travel and lifestyle.

4. Vouchers and discounts
Download our app to get the latest update about our promotions, cashback, deals, recommended stores and other promotion notifications:
- Exclusive deals at our partner retailers for new and existing users
- Personalised recommendations so you can get your favorite items at great prices
- Promotion notifications so you never miss out


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 Leave us a rating and review on the app store and follow us on social media:

Help Center: or 021-50251717

What’s New

Version 2.70.0

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

Ratings and Reviews

4.7 out of 5
18.1K Ratings

18.1K Ratings

riaduren ,

Pinjaman tunai

Kenapa ya pinjaman tunai di atome sudah tidak bisa digunakan lagi ??

Developer Response ,

Hai Atomees,
Mohon maaf atas ketidaknyamanan yang terjadi. Kami informasikan untuk saat ini fitur Cash Loan dalam Atome App sedang dalam pemeliharaan untuk peningkatan layanan. Pengajuan pinjaman dana akan ditangguhkan untuk sementara waktu. Namun, kamu masih dapat melakukan transaksi pembelanjaan dengan menggunakan Atome Paylater.

andra.08 ,

Kacau sales nya bener2 nipu!!!!

Sy tdk pernah ada cicilan sama sekali, padahal bisa bayar cash, pas cek apps nya taunya ada cicilan, padahal ditempatnya sudah gesek dan tinggal bayar, perkara diminta download dan regist muncul lah tagihan2 ini dan berBUNGA, sangat tidak mudah dipercaya, cari nasabah boleh tp tolong lah dengan penjelasan yg baik dan transparan, sangat tidak recomend!

Developer Response ,

Hai Atomees,
Kami mohon maaf atas ketidaknyamanan yang terjadi. Mohon informasikan kendala yang kamu alami saat menggunakan aplikasi Atome Paylater melalui CS email kami di sehingga kami dapat membantu kamu lebih lanjut.

yum_rum_ ,


mau dilaporin ke OJK ga ?! baru telat sehari aja udh ngekontak nomor lain, mohon maaf nih ya masih mending aplikasi lain yg tau peraturan. sok sokan gandeng astro buat naikin nama doang. brengsek

Developer Response ,

Hai Atomees,
Kami mohon maaf atas ketidaknyamanan yang terjadi. Mohon informasikan kendala yang kamu alami saat menggunakan aplikasi Atome Paylater melalui CS email kami di sehingga kami dapat membantu kamu lebih lanjut.

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:

  • Location
  • Contact Info
  • Contacts
  • Usage Data
  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More


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