Atome MY - Buy Now Pay Later

APaylater Financial Pte Ltd

About this app

Say hello to smarter shopping with Atome — the all-in-one app that makes Buy Now, Pay Later, Visa card shopping, and instant financing effortless.
Split into 3 payments. Apply for an Atome Card to pay later anywhere Visa is accepted. For quick cash, try Atome i-Cash—fast and hassle-free, no paperwork. Your life, your shopping—together in Atome.
▶ Open an Atome account now and get RM15 off your first purchase! ◀
💳 What You Can Do with Atome:
1. Shop now, pay later with Atome PayLater
Shop smarter with Atome by splitting your purchases into 3 easy monthly payments, online or in-store. Enjoy flexible payments, daily vouchers, and monthly giveaways with exclusive prizes. Atome is accepted by thousands of top Malaysian merchants.
Shop top brands across fashion, tech, travel, and lifestyle — from Sephora and Samsung to Agoda and Watsons.
2. Get your hands on the Atome Card
Swipe with the Atome Card anywhere Visa is accepted — online, in-store, or overseas. Enjoy instant approval, no minimum income, and Shariah-compliant instalments for all your daily needs. Fast, flexible, and always ready when you are.
- No downpayment: Interest-free & pay later up to 40 days
- Zero annual fees: No hidden charges or paperwork headaches
- Up to 12 months: Shariah-compliant instalment payments
- Endless rewards: Earn Atome+ points on every purchase
- No minimum income: Instant approval with no requirements
3. Get your financing needs met with Atome i-Cash
Atome i-Cash offers fast, secure, and fully Shariah-compliant financing under the principles of Tawarruq. Whether it’s travel, fashion, education, or business, Atome i-Cash offers flexible financing up to MYR 15,000 to help you achieve more.
- High financing limits: Get up to MYR 15,000 for life's needs.

- Quick & easy application: Apply anytime, anywhere with just your ID card.
- Transparent fees: Super low rates starting at 1.5% per month, no hidden charges.

- Fast disbursement: Get your cash in as little as 2 minutes after approval.

- Flexible repayment: Choose a plan that works for you, with up to 12 installments.
⚡ Key features:
- Pay in 3 interest-free payments — Split your purchases into easy, zero-interest installments.
- Flexible repayment plans — Need more time? Choose payment plans that fit your budget.
- Fast financing — Apply online for quick financing with instant approval.
- All-in-one card access — Use your Atome Card anywhere Visa is accepted, online or offline.
- Smart budgeting — Keep track of your spending, manage bills, and never miss a payment.
- Cashback & vouchers — Earn rewards and enjoy exclusive cashback offers.
- Pay & go simplicity — Make payments with just one tap, whether shopping online or in-store.
🛍 How to Shop and Apply for BNPL with Atome:
Shopping with Atome is easy and flexible — choose it at over 13,000 Malaysian brands and split your purchase into simple monthly payments with buy now, pay later.
How it works:
- Select Atome as your payment method online or in-store.
- Apply quickly through the app or merchant site.
- Get instant approval and split into 3 payments.
- Enjoy now, pay later with ease and flexibility.
🔐 Safe & Secure
Atome is fully licensed and regulated with bank-level security and encryption. Your personal data, card information, and transactions are protected every step of the way.
🎁 RM15 Welcome Reward
New to Atome? Download the app and get a RM15 voucher on your first purchase — your welcome to smarter spending.
📲 Download Atome Now
Experience the freedom to shop, spend, and pay your way — finance, split payments, or pay anywhere with the Atome Card.

☎️ Contact Us
Email [e-mail].
🌐 Website
📱 Facebook:https://www.facebook.com/atomemalaysia
Instagram:https://www.instagram.com/atome.my
LinkedIn:https://www.linkedin.com/company/atomesg YouTube:https://www.youtube.com/channel/UCgRFa6jWxTMTja_BOSQcggQ

Ratings and reviews

Overall it's an okay app, that does make installment payments easy, but I'm really mad about my points. The cash vouchers are always fully redeemed, and what's left for you to buy with your points is lucky draws or vouchers to stores you're not even interested in. There's nothing rewarding about the points system, and it feels like a huge disrespect to your loyal customers, because we're just forced to either use our points on things we don't want or watch them expire.

too strict on policy, when send email asking about limit all they can say is P&C. also happened to me after finishing total monthly payment. want to buy again pop up the error try again 90 days later with no reason at all

Good for certain merchants only. I never know what is my spending limit even after I reached out to the customer service. So, I would say the app is not transparent. Sometimes cannot use it for payment but it never state why.

What’s new

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