Atome MY - Buy now Pay later 12+

3 easy payments, 0% interest‪.‬

APayLater Financials Pte Ltd

Designed for iPhone

    • Free

iPhone Screenshots


***Download the Atome app today to enjoy an RM15 voucher on your first purchase. ***

Atome is one of Southeast Asia's leading digital consumer financing platform platforms. 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, convenience, and flexibility in how they choose to shop and pay.
Enjoy buy now pay later! Embark on your wonderful shopping experience.

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

• Download the Atome app today to enjoy an RM15 voucher on your first purchase.

*** HOW IT WORKS ***

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. Earn rewards
Earn 1 Atome+ point for every RM 1 spent. Collect Atome+ points to offset transactions or redeem from a wide selection of rewards in the Atome app.

4. 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-store
Use Atome to pay later at all your favorite brands including Sephora, SHEIN, ZALORA, ZARA, Coach, 6IXTY8IGHT, Dyson, Samsung, Mark & Spencer, YSL Beauty, Brands Outlet, Lancome, Armani Beauty, ALDO, Nike, 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 and existing users
- Personalised recommendations so you can get your favorite items at great prices
- Promotion notifications so you never miss out on the best deals

*** CONTACT US ***

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 2.93.0

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

Ratings and Reviews

4.9 out of 5
77.5K Ratings

77.5K Ratings

Achreseus ,

The best shopping app ever!

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 for us to investigate further on this matter? :)

Bonaventure Bidi ,

Unable to process payment.

After I paid the late payment of my purchase at switch outlet. Now I’m unable to do purchase at any electronic store. After few email with the atome support team, I was being told to change to other card, wait for 7 days or try to attempt a lower amount. But none of these works. When I try to make purchase at different store (non electronic), the purchase was successful.

I think atome supports via email cannot handle my problem. I missed my Atome apps. Now I have to move to other apps because of these issue. Atome support team, please help me fix this issue.

Developer Response ,

We understand this can be frustrating. We are working towards making this better. Thanks for taking out time to rate us. It really helps us to keep going and delivering the best :)

Chace91 ,

Exorbitant charges

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; 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.

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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