▶Referral Contest: Invite friends to apply for the Atome Card and win an iPhone 17 Pro Max!◀
Pay anywhere with Atome Visa Card!
Shop, pay, and manage money your way with the ultimate Visa Card and BNPL app. Use your Atome Card anywhere Visa is accepted worldwide—online, in-store, or overseas. Split purchases into 3 easy payments at 0% interest with Atome PayLater, or enjoy flexible up to 12-month instalments. Fast, secure, and Shariah-compliant.
▶New to Atome? Get RM35 off your first purchase!◀
【Experience the Atome Card: Pay Later Anywhere 】
Take your shopping further with the Atome Card. Enjoy the freedom to pay later anywhere Visa works, from daily essentials to global travel. Use it online, in-store (including selected TikTok Shop stores), or overseas with instant digital approval.
- Flexible instalments — Up to 12 months, fully Shariah-compliant.
- Instant Digital Approval — Apply in minutes; no paperwork, no minimum income.
- Zero Annual Fees — A Visa Card with no hidden charges
- Earn Rewards — Collect Atome+ points on every card transaction.
【Win an iPhone 17 Pro Max!】
Love the Atome Card? Share it with your friends and win big!
- Refer & Win: Invite friends to apply for their Atome Card.
- More Referrals, Bigger Rewards — The more successful approvals, the better your chances
- Grand Prize: Stand a chance to win the iPhone 17 Pro Max!
【Get your Atome Card】
Requirements:
- Malaysian citizen or long-term resident
- 18 years of age or older
- Active Atome account holder
【How to apply: 】
1. Open Atome app → Card tab → "Apply Now"
2. Submit personal details and upload your ID
3. You're all set! Pay later anywhere with your virtual/physical Atome Visa cards. (The physical card may take longer due to shipping issues.)
【Shop Now, Pay Later with Atome PayLater】
Enjoy daily vouchers, exclusive deals, and monthly giveaways at 17,000+ beloved Malaysian and international brands. Split your purchases into 3 easy payments across fashion, beauty, tech, and lifestyle from top brands including ZALORA, Sephora, Samsung, Agoda, BJAK, and Watsons.
【Access flexible financing with Atome i-Cash】
Atome i-Cash offers fast, secure, Shariah-compliant financing under Tawarruq principles. Access up to RM15,000 for travel, education, fashion, or business — quick, transparent, and stress-free.
- High financing limits — Get up to RM15,000 for personal or lifestyle needs.
- Easy application — Apply anytime with just your ID; instant digital approval.
- Transparent fees — Clear profit rates starting from 1.5% per month, no hidden charges or surprises.
- Fast disbursement — Get funds in as little as 2 minutes after approval, straight to your account.
- Flexible repayment — Repay up to 12 instalments for better cash flow management.
Note: Eligibility, limits, and approval time may vary. Terms and conditions apply.
【How Atome Works:】
- Shop Everywhere: Accepted at 17,000+ brands and everywhere Visa is accepted.
- Easy Checkout: Use your Atome Card or select Atome as your payment method.
- Instant Approval: Get approved in seconds through the app.
- Flexible Payments: Split your purchase into 3 or up to 12 payments.
【Safe & Secure】
Atome is licensed and regulated in Malaysia, powered by bank-level encryption and Visa Secure protection. Your personal data, card details, and transactions are safeguarded at every step.
【Download Atome today】
Shop smarter, split payments, and pay anywhere with your Atome Card or flexible financing. Start shopping today with global Visa card access and instant financing.
【Contact Us】
Email support@atome.my.
Website: https://www.atome.my/
Facebook:https://www.facebook.com/atomemalaysia
Instagram:https://www.instagram.com/atome.my
LinkedIn:https://www.linkedin.com/company/atomesg
YouTube:https://www.youtube.com/channel/UCgRFa6jWxTMTja_BOSQcggQ
I was introduced to this app one day by a merchant after their terminal had network issue. I was sceptical at first, but after I downloaded it & saw how cheap things became without any catch, I ended purchasing more stuff (and it still didn’t break my bank) that day & I never look back. Since that fateful day, shopping has turned into something Strategic for me. Everytime I passed through any shops at any mall, I’d be looking over at their counter to see any sign of Atome. No Atome, no deal. THAT’S how much Atome has changed my shopping habit. I just wish they could be placed in many more physical shops at the mall. I’m even thinking to buy Samsung & iPhone & converted it. But sadly some Samsung flagship merchant didn’t know how to use this Atome. They just had to loose their business that day and I went to other store at a different mall. Please educate your merchant too, I was disappointed at one of them.
Developer Response
Thanks for the 5-stars rating and we also would like to thank you for using our online payment platform. Could please contact our customer care at support@atome.my for us to investigate further on this matter? :)
Scam to pay extra money 👀
flaminqtaurus
My due date payment is unable to pay and cotact support email. The solution support given me was changed to another card. I already tried add using another card but failed. After due date i have to pay the administrative or paynalty, then i try again using then suddenly can pay???? What is that Is this a scam ? I never encountered this problem before. So basically i have to wait after the due date and have to penalty payment then i can pay ? Useless support ask me to contact the bank when i already use two bank card but still failed and pretty much wasting time also got to pay extra. Please improve your app and support quality 😂
Developer Response
Dear user, we are sorry for bringing any inconvenience and unpleasant experience to you. We understand your concern; we are always happy to waive or refund the admin fees. Could you please contact us at support@atome.my for us to investigate on this matter? Our team will reach out to you soon! Thank you and stay safe.
Just bad customer service so far
Nexxyyy3
Hi im writing this review because i was so interested in using the pay in 3 months only to be spammed with wait 90 days, and personally i thought it was a bug but it turns out its just a credit limit for new accounts, hut so far I’m already on my fourth month of atome, but if i wanted to make a big purchase even with the money available i simply just get the same error message. I contacted support to ask and they just told me to wait 90 days and i asked more questions like whats my credit limit and if my account is eligible but after the first two emails i just get completely ignored and its been a week or two since I’ve sent my emails but theres no response. Nothing to let me know how much I’m limited to, nothing to let me know how long I’m supposed to wait other than 90 days, but from when? Does it reset the timer every time i press the payment button? Customer support doesn’t even give me any direct answers. So this is just frustrating.
Developer Response
We want you to know that your feedback will give us a chance to resolve any problem that may occur and assist us in making our service better. Let us know by reaching out to support@atome.my :) - Saputra
Exorbitant charges
Chace91
I’ve been using this app for quite some time now spending over 3k consistenly paid. However since this weekend I was out of town, I forgot to set my default payment to my preferred card. I was only given 1 notice today saying that my account has been blocked and I need to pay RM50 admin fee to unlock my account (this is a final payment for the order I made). Where’s the other notification? I should be notified through registered email too not only through texts. It says there I need to settle payment within 3 days or else there’s the admin fee but on the 3rd day itself I was charged and my account was locked. The charges levied not in 3 days but 2 days time. Nevermind that but the fee is very expensive compared to other financial institution’s interest. Misleading T&C, exorbitant charges and to think I’ve been a long time customer. Never again. Will pay all and will uninstall, review stars remain 1 (if I could give them 0, I would) as I do not see why they should be given more.
Developer Response
Dear Chace, we are sorry for bringing any inconvenience and unpleasant experience to you. We totally understand your concern. Nevertheless, we updated our admin fee t&c recently. Please check our website for more details; https://www.atome.my/terms-of-service. Hope you received messages reminders and payment status via SMS for your payments as sending via email, it could end up in the Junk/Spam, and hence, why we don't send via email. Upon checking under your ticket, your admin fee has been waived by the repayment team. We are always happy to waive or refund the admin fees. Feel free to email us anytime for further assistance. Thank you and stay safe.
Atome Card Upgrade: 12-Month Instalments are here! > Enjoy more flexibility and pay later anywhere Visa is accepted.
- Flexible Payments: Split your bills into up to 12 monthly instalments.
- Zero Annual Fees: All the perks of a credit card, minus the extra costs.
- Instant Approval: Apply in minutes and get your virtual card immediately.
Update and get your Atome Card now! Loving Atome? Rate us and show some love!
Version 2.143.1
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, for example, on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Provider
APayLater Financials Pte Ltd
Size
189.3 MB
Category
Shopping
Compatibility
Requires iOS 14.0 or later.
iPhone Requires iOS 14.0 or later.
iPod touch Requires iOS 14.0 or later.
Mac Requires macOS 11.0 or later and a Mac with Apple M1 chip or later.
Apple Vision Requires visionOS 1.0 or later.
Languages
English and 6 more
English, Indonesian, Japanese, Malay, Thai, Traditional Chinese, Vietnamese
