atome PH - Buy now Pay later 4+

3 easy payments, 0% interest‪.‬

APayLater Financials Pte Ltd

Designed for iPhone

    • Free

iPhone Screenshots


Atome is the leading buy now pay later (BNPL) app in Southeast Asia that enables you to shop what you love, both online and in-store. It works with 15,000+ retailers in 10 markets including Singapore, Indonesia, Malaysia, Hong Kong, the Philippines, Taiwan, Thailand, Japan, and Vietnam.

How to make payments with the Atome app?
1. Select Atome.
If you’re shopping online, select Atome during checkout. If you’re at a participating physical store, scan the QR code at the cashier.

2. Make payments.
Atome automatically splits your purchase into 3 interest-free payments. Pay the first payment at the point of purchase. The next two payments will be spread across the next 30 days. No interest fees or hidden charges.

3. Check bills.
Check the status of your payment schedule under “Bills” in the app. You will also be informed when your payment cycle is complete.

Download the Atome app right now to enjoy a PHP200 shopping voucher on your first purchase and pay later at your favorite stores online or in-store! Shop now pay later, and you might get unexpected discounts or cashback at popular brand stores.

As one of the leading buy now pay later brands in Southeast Asia, Atome stands out from the crowd with these features.

Atome automatically splits your bill into 3 interest-free installments at hundreds of brand stores in the Philippines. Pay only 1/3 of the amount at the time of purchase and get your favorite items first. The next two payments will be spread across the next 30 days.

It merely takes you 72 seconds to register an Atome account and complete a transaction. Payments are automatically deducted from your preferred credit card or debit card to avoid late payments. 0% interest. No service fee. No hidden fee.

Atome partners with famous brands both at home and abroad. Featured brands include Charles & Keith, The SM Store, Rustan's, ZALORA, Fitness First, National Book Store, Aldo, Agoda, Timex, Boozy, OGAWA, Plains and Prints, and Garmin.

Aiming to enhance the offline and online shopping experience of its users, Atome's partnered merchants range from women, beauty, men, home, baby & kids, electronics, sports & outdoors, travel, to lifestyle.

Vouchers, Exclusive Deals, Recommended Stores, Promotion Notifications
• Atome-exclusive welcome vouchers on your first purchase
• Great deals and exclusive discounts at partnered retailers for new users, existing users, or all users
• Store recommendations to get your favorite items at great prices
• Promotions/Flash Sales notification to offer you the best deals

Atome is dedicated to offering you the best shopping experience at partner merchants with ‘buy now pay later’ service. Should you have any questions, please reach out to us at

We would appreciate it if you could leave your favorable ratings and reviews after enjoying a pleasant shopping experience with the Atome app and Atome Card.

Want to know more about Atome? Simply follow us on our social media channels.
Atome website:

What’s New

Version 2.37.0

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

Ratings and Reviews

4.7 out of 5
3.4K Ratings

3.4K 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 :)

K0892 ,

Helpful payment method

Fully paid on my first purchased using Atome. I never had a problem with this app. Actually, I was nervous when I used this on my first time payment because of the negative reviews I read here that they had a problem with the app. Luckily, my all my transaction on this app was very smooth. Keep it up ATOME! I’ll be using you again on my future purchases.💜

Developer Response ,

Hi, thanks for your support all along. We will keep working to provide a good user experience. You can follow us on Facebook and Twitter to get the latest information. - Mawar :)

Jane Doe 222 ,

Rejects application without proper explanation.

I don’t like posting negative reviews but I was really disappointed with this app and their customer service. I properly gave them all of my personal details and the bank account I connected had more than enough balance to pay for whatever purchases I’ll make. However, it keeps on rejecting my orders with this prompt: “our risk system detected some issues in your application”. I emailed them and asked what I could do to fix this, and would love to correct if I made errors in what I wrote in the application, but they won’t even tell me why!!! So upsetting because they wouldn’t let me know what the problem is and they just told me that I can change my details and apply again after 6 months. What a waste of time. So so so disappointed. I have friends who also suddenly have been receiving this prompt.

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

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