Atome PH - Buy Now Pay Later 4+

Card payments in installments

APayLater Financials Pte Ltd

Designed for iPhone

    • Free

iPhone Screenshots


Atome brings greater buy now, pay later innovation to you. Introducing Atome Card: Experience the future of credit, where you can split your bills in 3 or 6-month installments or enjoy interest-free payments up to 40 days. There are zero income requirements and annual fees when you apply online.
Atome Cash, a versatile cash loan service, is also now available to assist you in financing your important needs.

What you'll love about Atome:

1. Atome Card
- Better budgeting with flexible payment and installment options
- Stretch your budget and pay later at 0% interest for up to 40 days. Get to enjoy flexible installment plans for up to 6 months.
- Easy application
- Fast online application in 90 seconds with no minimum income required. Have your credit approved in 48 hours.
- Convenient for your daily needs
- Get more room to pay for your monthly utility bills or shop more of what you love with up to a ₱200,000 spending limit.
- Pay later anywhere that accepts Mastercard
- Online: Link your physical or virtual/digital card to purchase on various e-commerce platforms like Lazada, Shopee, Grab, Google and Apple Stores, FoodPanda, Zalora, and more. Additionally, you can pay your bills online for services such as Meralco, Globe Telecom, SMART Communications, or subscribe to your preferred music, movie, and series streaming platforms.
- In-store: Shop at SM Supermarket, Robinsons Supermarket, Jollibee, The SM Store, Watsons, and other convenience stores.
- Overseas
- Card Bills Payment
- Repay your bills via multiple card payment methods by adding a debit/credit card. Pay via bank transfer with just a few taps using 'Instapay'. Alternatively, over-the-counter payment is available at 7-Eleven, Cebuana, LBC and more.

2. Atome Cash
- Enjoy fast, easy cash loans that you can apply for online! Give yourself a boost at ultra-low monthly interest rates starting from 1.75% and fast cash disbursement of up to ₱50,000 that can be repaid for up to 12 months. You can apply as long as you are:
- A registered Atome user with past in-app transactions
- At least 18 years old with a valid ID
- Has a bank account

3. Manage your Atome account at a glance
- Easily check your card transactions, cash loans, bills, and payment history via the Atome app. You’ll also be informed whenever payments are due and when your payments are complete.
Enjoy more of the buy now pay later card and maximize the convenience of installment plans by downloading the Atome app today!


- Valid PH ID
- 18 years old and above
- No minimum income requirement
- No paperwork is needed


1. Download the Atome app and tap the 'Atome Card' tab on the home page
2. Choose your preferred Atome Card face and type
3. Fill in your personal information and complete your ID identification in just 90 seconds
4. Get approved in 1-2 days.
5. Receive your Atome Card via mail with a spending limit of up to ₱200,000


1. Activate your 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

- Monthly interest rates from as low as 2%
- Annual Percentage Rate (APR) ranging from 0% - 46 %
- No service charges
- Installment plans are available for either 3 or 6 months
Total loan cost illustration:
- Total monthly bill: ₱2,000
- Bill amount: ₱2,000
- Repayment term: 3 months
- Monthly interest rate: 2% (₱40)
- Total payment: ₱2,120 at ₱706.67/month

Connect with us via our social media channels.
Atome Card:
Atome Card Help Center:
Atome Card on Facebook:
Atome Card on Instagram:

What’s New

Version 2.77.0

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

Ratings and Reviews

4.7 out of 5
16.3K Ratings

16.3K Ratings

M Marciana ,

Unfounded decline

I admire your app and your cause at first that is why I became a loyal customer but lately you are making my purchases quite tiring as my card keeps on getting declined even if I have more than enough amount to cover the payment. Plus what’s demeaning is when you declined my actual card application due to unmatched information. What unmatched information are you talking about when everything is as what could be seen in my submitted ID. Your customer service reps are sometimes inefficient in addressing concerns. They cannot answer my questions properly. It’s like we are just running around the bush. No light at the end of the tunnel as the idiom goes. Please fix your system and your actual card application review because instead of retaining your loyal customers, you are driving us away from you. 😇

Developer Response ,

Thank you for taking the time to write this review. Your kind words encourage us greatly. Happy shopping! - Mawar :)

Mammon's Baby ,

Risk System Problem

I have encountered a lot of problem with the app. My cards won't connect and I incurred admin fees for not being able to pay on time because of the the card problem. I was told it was a problem with the other banks not accepting atome, so I change three times. I'm not that much bothered even though ot was a hassle since I really wanted to enjoy the app. However, last week while I was trying for my SECOND PURCHASE I emcountered the propmt regarding the risk system blocking my purchase and the app prompted for me to appeal. After reaching out, the customer service told me that I won't able to use it anymore yet they refuse to give me the reason as to why. How come? How do you expect people to appeal when you don't even give a reason? What do we do appeal in the dark?

You blocked me out from the main purpose of the app but then again I can still use the card so it I did not comment on it, but lo and behold, now that I have updated, I CANNOT EVEN PAY FOR OTHER BALANCES?! what the hell atome? Can you at least give us some reason as to why this should not be reported to the government? Because to be honest I am already nearing my limits. One disappointment after the other. I could not even recommend this to other people. 😡

Developer Response ,

Hi, we are always looking to improve the experience for our users, and really appreciate the feedback. If there is anything specific we can look into, please contact us at -Toni

chub_peppa ,

Risk System Issue and Failure payment transaction

Recently, the application had an update for fixin’ the bugs and issues. Instead, I had an issue with atome app due to risk system issue found in my application which was odd. I’ve been using the app for quite sometimes and had no problem after the update.

I reached out their customer support team to help resolve my issue. One of the customer supports insisted to change my debit/credit card, to log out and log back in the app, or removing and reinstalling the app yet the result is the same. I’m disappointed on how they provide resolution to their customer. I’m thinking the customer support used canned answers and not truly investigate the problem that the users/customers been encountering. I hope this review will wake up their management to make necessary investigation of this problem because this will make their business bad in the eyes of all potential customers.

This is a promising platform that can help the consumers/customers to build their credit. However, if this issue will not be fixed then business will lose a lot of customers and will look for a better option.

Developer Response ,

Apologies for the inconvenience. Thanks for the review. -Toni

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
  • Search History
  • Identifiers
  • Usage Data

Data Linked to You

The following data may be collected and linked to your identity:

  • Contact Info
  • Search History
  • 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


  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

You Might Also Like