Atome SG - Buy Now Pay Later 4+
3 easy payments, 0% interest.
APayLater Financials Pte Ltd
Designed for iPad
-
- Free
Screenshots
Description
◈ Time to own it. First order up to $10 off. ◈
Say hello to happier shopping with one of Southeast Asia's leading digital consumer financing platforms.
Think of Atome as your fun yet savvy shopping buddy. We're with you wherever your passion lies - from fashion, lifestyle, travel, fitness to home decor. Our buy now, pay later magic lets you split purchases into stress-free installments. Stretch your dollar further while making your favorite products and services more reachable than ever before with Atome!
▶ Open a free account in minutes today and enjoy a $10 voucher on your first purchase. ◀
◉ HOW IT WORKS
1. Pay with Atome at participating brands
If you’re shopping online, select Atome during checkout. If you’re at a offline brand, simply scan our QR code at the cashier.
2. Choose from flexible payment options
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 the subsequent payments monthly.
3. Earn rewards
Earn Atome+ points with every purchase! Collect Atome+ points to redeem from a wide selection of exclusive 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.
◉ WHAT YOU’LL LOVE ABOUT ATOME
1. Buy now, pay later
Split your purchases 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. Instant approval via Singpass and auto payments
It only takes minutes 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-store
Use Atome to pay later at all your favourite brands including Agoda, Dyson, Under Armour, Trip.com , Zalora, Adidas, Sephora, Samsung, Lululemon, SHEIN, CHARLES AND KEITH, Amazon. Atome is accepted at a wide range of offline and online shopping categories including fashion, lifestyle, travel, fitness to home decor.
4. Vouchers and deals
Download our app to get first dibs on exclusive deals. Here’s what you can expect:
- A welcome voucher on your first purchase
- Exclusive vouchers at our partner brands for new users and existing users
- Personalised recommendations to keep you updated with the latest trends
5. Protect your payments with Bill Secure (Underwritten by Chubb Insurance)
Ease your worries and cover your outstanding bill payments with Bill Secure:
- Covers up to 5 times of the transaction amount in the event of accidental death or permanent disablement
- Instant coverage upon successful enrolment
◉ CONTACT US
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 support@atome.sg.
Love using Atome? Leave us a rating and review on the app store and follow us on our social media channels:
Website: https://www.atome.sg/
Facebook: https://www.facebook.com/atomesg/
Instagram: https://www.instagram.com/atome.sg/
LinkedIn: https://www.linkedin.com/company/atomesg
What’s New
Version 3.111.0
- 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
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.
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.
Useless, Pointless, Unreliable
Incredibly unreliable, and the worst part is that they don’t even fix your account issues even after you’ve made all your payments in full. It’s honestly ridiculous. Unlike other platforms like Grab, which are at least considerate enough to waive the admin fee if you happen to miss a payment due date, this app offers no flexibility or customer care whatsoever.
If you’re thinking of using the PayLater feature on this app, I strongly advise against it. The so-called “90 days” option is just plain confusing and not user-friendly at all. On top of that, they don’t even show you the maximum amount you’re eligible to spend, which makes it hard to plan what you wanna purchase it with.
If you want a smooth, stress-free PayLater experience, just stick to Grab. It’s way more transparent, and the customer service actually helps when you need them. Avoid Atome unless you’re ready for unnecessary headaches.
Developer Response ,
Thank you for your valuable feedback. We regret to hear about the experience you encountered. To assist further and address any issues, please don't hesitate to contact us at support@atome.sg - Saputra
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
Information
- Provider
- APayLater Financials Pte Ltd
- Size
- 179.5 MB
- Category
- Shopping
- Compatibility
-
- iPhone
- Requires iOS 13.0 or later.
- iPad
- Requires iPadOS 13.0 or later.
- iPod touch
- Requires iOS 13.0 or later.
- Mac
- Requires macOS 11.0 or later and a Mac with Apple M1 chip or later.
- Apple Vision
- Requires visionOS 1.0 or later.
- Languages
-
English, Indonesian, Japanese, Malay, Thai, Traditional Chinese, Vietnamese
- Age Rating
- 4+
- Copyright
- © APaylater Financials PTE. LTD.
- Price
- Free
Supports
-
Wallet
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