Atome SG: Pay Your Way & Earn

APaylater Financial Pte Ltd

About this app

Split payments. More rewards. First Order: Up to $10 Off!

Make this year-end your happiest shopping yet with one of Southeast Asia's leading buy now pay later platforms. Enjoy flexible payments, exclusive deals, and rewards all in one app.

More rewards this festive season
• Shop your favourite brands your way: buy now pay later, or pay in full with Atome.
• Shopping for bags and clothes? Shop and pay at CHARLES AND KEITH, ZALORA, ZARA, SHEIN, and more
• Looking to book a flight? Buy from Agoda, Trip.com, and more
• Buying a phone? Buy Samsung now, pay later
• Feeling active? Stay active with Adidas, Under Armour, Lululemon, and more
• Deals and discounts all season.

Shop and earn more Atome+ Rewards
💰 Earn Atome+ points with every payment! Use Atome+ points to redeem a wide selection of lifestyle rewards while shopping in the Atome app. Catch discounts, offers, sales, and deals by redeeming your points!
💰 Complete Atome+ Challenge and daily games to earn Atome+ points, rewards, vouchers, offers, deals, and more.
💰 Get more value out of your points when you redeem rewards from KrisFlyer, NTUC Linkpoints, Grab, TADA, Lazada Singapore, Shopee, FairPrice etc.

Open a free account in minutes today, enjoy a $10 voucher on your first purchase.
⚡Register to first payment only takes minutes.
💰Payments are automatically deducted from your preferred credit card or debit card — never worry about missing payments.

Vouchers & deals
Download Atome to get first dibs on exclusive deals, offers and cashback. What you can expect:
💰 A welcome voucher on your first purchase
💰 Exclusive deals, offers, and sales at our partner brands for new users & existing users
⭐️ Personalised recommendations to keep you updated with the latest shopping trends and deals

Shop & pay with Atome at preferred brands online or offline
👗 Fashion: SHEIN, Asics, Calvin Klein, Decathlon, ZARA, CHARLES AND KEITH, ZALORA, and more
💄 Beauty: Sephora, Beauty Fresh, and more
✈️ Travel & Flights: Trip.com, Agoda, and more
🛒 Commerce: Taobao, Amazon, ZALORA, and more
🍽️ Daily Needs: IKEA, COURTS, Dyson, Samsung, and more
👟 Active: Adidas, Under Armour, Lululemon, and more
If you’re shopping online, select Atome when you pay. If you’re shopping in-store, simply scan our QR code at the cashier to buy items from your favourite brands.

Choose Atome in Malaysia
• Buy now, pay later with competitive FX rates
• Earn Atome+ points with every purchase

Flexible payment options
• Some things in life shouldn't wait. Pay in full, split your online or offline purchases into 3 payments, or choose a longer payment period with a small fee at our partner shops and brands.
• Choose from 3 interest-free payments, or extend your timeline with a small processing fee. All fees are displayed in the app when you purchase.
• You'll pay the first payment at the point of purchase, and the subsequent payments monthly.

Track your bills
• The Atome app does all the work for you so no bill payment will be missed.
• Easily check your payment schedule under “Bills”.
• You’ll also be informed whenever bill payments are due and when your payment cycle is complete

Protect your payments
Ease your worries and cover your outstanding bill payments with Bill Secure (Underwritten by Chubb Insurance):
• Covers up to 5 times 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 and exclusive deals. Should you have any questions, please reach out to us at [e-mail].
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

Ratings and reviews

Do not rely on Atome in-store. Despite paying on time, zero debt, and a high card limit, my transactions are constantly declined by broken risk algorithms. Customer support is useless, every ticket gets the exact same template reply telling me to "wait 7 days." I waited, tried again, and got blocked again. There are no actual humans to fix false account flags. A BNPL app that fails at the checkout and offers zero support isn't worth using.

Atome continues to spam annoying promotional notifications at all hours (received one at 4am today) despite turning off all notifications in the app settings. I had to turn off notifications from the Android settings to get relief. An app that treats their customers' wishes as a joke doesn't deserve my business.

was able to make purchases with equal split payments regularly until 2 months ago, suddenly i dont have atome in tik tok shop anymore, and suddenly payment method no longer appears. other platform also showed my payments were no longer equal splits. 80% for 1st payment.

What’s new

New look, more perks. All your rewards on our new homepage.
- Be rewarded when you complete Atome Challenges
- Shop tab to discover the best brand deals + browse brands curated for you
- Discover time-limited events and deals