Atome

iPhone + Android

8.4No. 7 of 25
in Buy Now, Pay Later Platforms

Recognised40% of the score44
Phone app26% of the score100
Documented20% of the score87
Free plan14% of the score100

Free plan: Yes
Runs on: Android, api, iPhone, Web

Summary

Atome is ranked #7 of 25 in buy now, pay later platforms on Samsung Mobile US Press. It runs on Android, API, iOS, Web. There is a free plan.

Atome plans and pricing

All plans

Pay-in-3 Free 3 monthly payments; first payment at purchase 0% interest · participating Atome merchants atome.sg · 3 Oct 2026

Longer payment plans Not published Monthly; processing fee may apply Plans beyond 3 months · one-time fee up to 3% of purchase value, inclusive of GST help.atome.sg · 3 Oct 2026

Compared on buy now, pay later platforms

Free plan: Yesatome.sg
Checkout channels: omnichannelatome.sg
Repayment terms: Pay-in-3: first payment at purchase, remaining payments monthly; Pay-in-6: first payment one day after purchase, remaining payments every 30 daysatome.sg
Merchant platforms: Easy Store; Magento 1 & 2; OpenCart; Salesforce SFRA; Salesforce Site Genesis; Shopify; Wix; WooCommerce; open APIatome.sg
Consumer regions: Singapore; Malaysiaatome.sg
Merchant dashboard: Yesatome.sg

Facts

What it does: Atome is a digital consumer financing platform that lets shoppers split purchases at online and offline retailers.atome.sg · 3 Oct 2026
Interest-free installments: Customers can choose 3 interest-free payments, with the first due at purchase and later payments monthly.atome.sg · 3 Oct 2026
Longer plans: Atome says longer plans may carry a processing fee displayed in the app at transaction time.atome.sg · 3 Oct 2026
In-store checkout: At participating offline stores, shoppers can scan Atome’s QR code at the cashier.atome.sg · 3 Oct 2026
Rewards: Shoppers earn 1 Atome+ point for every S$2 spent and can redeem points for rewards or use them for in-app prize games.atome.sg · 3 Oct 2026
Mobile app: The app lets users set up an account, make purchases in 3 payments and track their payment schedule.atome.sg · 3 Oct 2026
Integrations: The developer portal lists Shopify, WooCommerce, Magento, Prestashop, OpenCart, EasyStore, Wix and Salesforce integrations.partner.apaylater.com · 3 Oct 2026
API and POS: The developer portal documents API integration for online transactions and Atome Cashier on POS for offline transactions.partner.apaylater.com · 3 Oct 2026
Merchant support: Atome says it supports major e-commerce platforms and payment gateways and can help merchants integrate online or in physical stores.atome.sg · 3 Oct 2026
Late payment limits: If automatic deduction fails on the due date, the account is suspended and a S$15 or S$30 admin fee applies per late payment depending on order amount.help.atome.sg · 3 Oct 2026
Consumer protection: Atome says it is licensed as a Major Payment Institution under Singapore’s Payment Services Act 2019 and that the BNPL Code is administered by the Singapore Fintech Association.atome.sg · 3 Oct 2026
Support hours: Atome lists support business hours as Monday to Friday, 09:30–18:30, and closed on weekends and public holidays.atome.sg · 3 Oct 2026
Intended users: Atome describes its shopper audience as digital-savvy, mobile-first consumers and offers merchants a way to reach shoppers and support larger baskets.atome.sg · 3 Oct 2026