What is Atome pay later?
Atome is a leading buy now pay later brand in Asia. Launched in December 2019, Atome is pronounced “A-To-Me” and stands for “Available to Me”. Atome empower a new generation of digital-savvy, mobile-first consumers by giving them smarter access to their aspirations. Atome partners over 2,000 leading online and offline retailers to provide short-term payment plans that allow individuals like you to make a purchase and pay for it at a later time with no interest or service fees.
How it works?
Life’s complicated enough. We make payments easier and more affordable, in just 3 simple steps.
1 Select Atome
2 Make payment
3 Check bills
How do I pay later with Atome?
If you’re shopping online, select Atome pay later during checkout. If you’re at a participating offline store, just scan our QR code at the cashier.
1. Make payment
Atome automatically splits your bill into 3 equal payments. You’ll pay the first payment at the point of purchase. The next two payments will be spread 30 days apart. No interest or hidden charges, ever.
2. Check bills
Check the status of your payment schedule under “Bills” in our app. You’ll also be informed when your payment cycle is complete. That’s it!
What happens if you don’t pay Atome on time?
Atome will send reminders of upcoming payments due to customers 1 day prior to the due date via SMS. If the auto-deduction fails on the due day, customers’ accounts will be frozen on the next day. They will be required to pay all outstanding amounts due on their account, together with an admin fee of RM 30 upon each deferred payment. The maximum admin charge is capped at RM 60 per order. Once customers have cleared all existing owing, their accounts will be unfrozen and they’d be able to use Atome again.
Why I Cannot pay using Atome?
Check if customer has any ongoing bills and advise customer to spend within the credit limit. Check if customer is using an existing card on another existing account and if so, advise using another credit/debit card. Please allow a wait time of 30 minutes before retrying.