atome PH - Buy now. Pay later 4+

3 easy payment with 0 interest

APayLater Financials Pte Ltd

Designed for iPhone

    • Free

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:

What’s New

Version 2.16.0

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

Ratings and Reviews

4.7 out of 5
915 Ratings

915 Ratings

tux narbo ,

Payment Options

I love the fact that bills doesn’t get all summed up into one bulk amount. You can easily plan, budget and manage expenses. I’ts so flexible you won’t worry about being late on payments. Thank you Atome!

MaxThieriot ,

Declined Card

I’m gonna give the app 3-star review for now. You may have a card on file for auto-debit repayments but the card would always say DECLINED even if has funds on it. If you click PAY NOW the payment would be declined so I have to consistently delete and add the card that I use. I always pay the repayments a few days before the due date because of this known issue. I read some of the reviews and it seems like they experienced the same and charged late payment fee.

gabdammit29 ,

Issues with Direct Debit

There were always funds on my Debit Account and they said that I didn’t make a payment. They have an issue with automatic debits, and you will be charged 300 pesos. They probably thought I was just going to let it go. So I submitted an email to their support team asking them to waive it. They waived it however the Card I’m using for payment is no longer being accepted on their app. So I used a different ATM, what if I don’t have another card? That’s going to be a lot of work. Better think again before using their services. Stressful and disorganized.

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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