Atome SG - Shop Now, Pay Later

APaylater Financial Pte Ltd

About this app

Time to Own it. First Order: Up to $10 Off!

Happier shopping with one of Southeast Asia's leading digital financing platforms. Shop & pay in your favourite stores with exclusive deals & flexible payments.

Earn Atome+ Rewards
💰 Earn Atome+ points with every payment! Use Atome+ points to redeem a wide selection of exclusive rewards while shopping in the Atome app. Catch discounts, offers, sales, and deals by redeeming your points!
💰 Get more value out of your points when you redeem rewards from KrisFlyer, NTUC Linkpoints, TADA, Shopee, Toastbox, etc.

Shop and win more rewards
💰Earn rewards, vouchers, offers, deals, Atome+ points and more when you complete Atome Challenges!

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 and offers. 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, 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, 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.

Shop online and in-store
• Use Atome buy now pay later to shop and buy at your favourite brands.
• Shopping for bags and clothes? Shop and pay in CHARLES AND KEITH, Zalora, Zara, SHEIN, and more
• Looking to book a flight? Buy in Agoda, Trip.com, and more
• Buying a phone? Buy Samsung now, pay later
• Feeling active? Stay active with Adidas, Under Armour, Lululemon, and more
• Going out? Shop at Dyson, Sephora, Amazon, and more
• Feeling hungry? Dine at many restaurants and pay later
• Atome is accepted at a wide range of offline & online shopping categories.

Flexible payment options
• Some things in life shouldn't wait. Split your online or offline purchases into 3 or more payments, or choose a longer payment period with a small fee at our partner shops and brands.
• Shopping from Sephora, SHEIN, Taobao, or Agoda? Atome got you covered.
• 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 Google Play 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

Customer Service unable to resolve my issue. Was able to make payment in 5 months ago. But in the last 2 months, I've been unable to make any purchases.. Tried changing cards, tried on different days, reinstalling apps, different merchants... Asked for a reason, but they replied with the same steps I've tried... Asked if it was spending limit, but they are unable to get the info nor I check check myself..

Very unhelpful customer service. Keep on tell me to try again 90 days later but i was still unable to make any purchase after that period. I have not make any single purchase since my last 1 purchase back in July 2025. Keep on getting the same scripted email replies that does not even answer any of my questions.

I've bought a lot of stuff from Atome and I must say, they're very forgiving with cancellations and it's easy to use. I'm appreciative of the vouchers and the easy user interface! Refunds take 3 days for me and I'm really really grateful they're so swift and usable ☺️