iPhone Screenshots


Atome enables users to own the things you love now and pay later, the bill will be split into 3 interest-free monthly payment. Pay only 1/3 of the amount at the time of purchase and receive your items first. No hidden fees, 0% interest. Simple like that!

Enjoy the convenience and hassle-free experience by downloading Atome NOW!

Set up your account in two easy steps in Atome app, then you are all set to buy now, pay later with your favorite products in store. Just look for “WE ACCEPT Atome” sign and simply scan the QR code at the cashier.

Using Atome app to purchase the products, check your transaction history, receive reminders of upcoming bills and be notified about exciting offers in one place.

Atome supports credit card or debit cards across major banks for repayment. No processing or hidden fees.

You can use Atome at any of our merchant partners. We are constantly improving our services by expanding our merchant network and product offering.

Download the app now, own what you love today, pay later.

You can follow us at our social media channels below:

Official Website: https://atome.my/

What’s New

Version 2.15.0

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

Ratings and Reviews

4.9 out of 5
8.8K Ratings

8.8K Ratings

CarmunChan ,

I don’t usually write reviews but this deserves it

Best installment payment gateway for your business? Think no further. Atome has been so awesome to work with. Great campaigns, deals and the BEST customer service. If your store needs a installment payment gateway, make sure to look for Brandon Cheng from Atome. He literally puts the clients first, and puts your worries at ease.

For people who are consumers, check out their deals, they have so much variety from beauty to gadgets etc.

Developer Response ,

Thanks for your words!!!

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; 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.

Secretgarden18 ,

Worst apps ever!

Please do not use this apps! I can’t login into their apps after so many times requesting for OTP number. Uninstall and reinstall the apps for more than 10x but still unable to get the OTP number. Need to email them but what i get is useless suggestion by their customer service! Got notification by email that I’ve been charge for administration fee and it will increase if I did not manage to settle the payment in 7 days! Ridiculous! I cant even login into the apps how come you guys charged me stupid fee?? Thank god!!! By today only, i finally manage to get the OTP via “call me” verification. Manage to settle remaining balance and decided to uninstall this troublesome apps. Lets use Hoolah instead!

Developer Response ,

Dear user, so sorry for causing any inconvenience. Recently we're fixing up this bug but it may take some time. Could you please try to use voice OTP first? Thanks for you patience and understanding in advance!

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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