Atome SG - Buy now Pay later 4+

3 easy, interest-free payments

APayLater Financials Pte Ltd

Designed for iPad

    • Free



● Download Atome app today to enjoy up to $10 voucher on your first purchase.
● Collect Atome+ points to offset transactions or redeem from a wide selection of rewards.

Atome is one of Southeast Asia's leading digital consumer financing platform. 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. Atome brings greater buy now, pay later innovation to you.

● Download the Atome app today to enjoy up to $10 voucher on your first purchase.


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 $2 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-stores
Use Atome to pay later at all your favourite brands including Sephora, MAC, Estee Lauder, IDS Skincare, SHEIN, ZALORA, ZARA, Coach, MCM, 6IXTY8IGHT, Qoo10, PatPat, Dyson, BHG, Samsung, Singtel, ezbuy, Banggood, TANGS, IUIGA, Novelship, Lovet, ALDO, hervelvetvase, Nike, Converse, 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 users and existing users
- Personalised recommendations so you can get your favourite items at great prices


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 3.86.0

- App optimization and minor bug fixes for a more enjoyable user experience.
- Love Atome? Rate and share us with your family and loved ones!

Ratings and Reviews

4.8 out of 5
34.3K Ratings

34.3K Ratings

AK 999 ,

Bad Service. Feels like a scam.

STRONGLY NOT RECOMMENDED . DO NOT USE THIS APP’S SERVICES. IT FEELS LIKE A FINANCIAL SCAM. The service may charge you $15 for admin fee during the final payment. For the reason that their system’s attempt to charge you during the final payment is being declined and you missed the deadline by 1 day. Someone will call you to inform you about this failed transaction and they will make sure to ask if you will make the payment after the call. This makes it feel like a scam. This should be an automated payment service hassle free. I used apple pay to complete payments for my purchase. So there should be no issue and no reason for the attempt to be declined. The first and second payments went through without issues. However for the final payment I don’t know what happened but their system suddenly cannot process the final payment and if you missed the deadline by 1 day. Then SURPRISE SURPRISE charge of $15 for admin fee added to the payment that is due. It’s not my fault. It’s their system’s fault and they are charging me for their systems inefficiency.

zainsohail88 ,

Disappointing Voucher Experience

I recently tried using the Atome app and purchased some vouchers, but unfortunately, my experience was quite disappointing. I attempted to apply the vouchers during checkout, but they didn't work. I followed the steps provided in the FAQ section to place my order and still faced the same issue - the voucher didn't get applied.

What puzzled me even more was that on a different page, they had instructions to send a screenshot of the order to their support team. I assumed they would manually assist, but after going through this process for four orders and sending the screenshots, I was met with a denial. Their response stated that since the order was already placed, the voucher couldn't be applied. It left me wondering, what's the purpose of requesting screenshots from customers in the first place? It felt like a waste of time and effort.

Adding to my disappointment, the customer service member I interacted with, Aqilah, displayed a lack of professionalism. There was no sense of compassion or willingness to help resolve the issue. This entire experience has led me to the decision of not using Atome again.

I hope Atome takes this feedback constructively and works towards improving their voucher system and customer service. It's disheartening to encounter such situations as a user, and I believe addressing these concerns would lead to a better overall user experience.

Developer Response ,

We are sorry to hear of the frustration caused regarding this matter,this is not the level of service we strive to provide. We can assure you that this has been logged as an official complaint and feedback has been passed over regaridng this experience, which will be used to improve the service we provide.

Please accept our sincere apologies for the inconvenience that this may have caused and if you need any further assistance, please contact us and we will be more than happy to help.

Bluesphinx08 ,


Hi Atome and to future Atome users,
Please do not use this app by any means! I have been using this app for i guess a year now. I have not missed any payment at all. I have bought for a good number of items. And my last purchase, i missed my last payment. And voila, they charge me of admin fee for 15$ just like that. So that was fine. I am willing to shoulder that as I missed my payment. Fair enough. But wait, there is more. I got a WhatsApp msg from a Philippine number, asking me when I should pay the final payment and let me know by today and so on! And few unknown numbers were calling me. After I made the payment, i ss and send to this WhatsApp number and guess what no reply after that. Wow! Just wow atome. And yes, can I tell you how much was my final bill? It was freaking 25$ and I felt like I was running away from a million dollar debt from them. Oh my god ATOME. Please, have a sense of consideration. I hope you get bankrupt soon! Enjoy!

Developer Response ,

Hi, we apologize for this. Please send us your concern at along with the screenshot of the error you receive. This will be handled with utmost priority.-Hiran

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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