Atome

Overview

Shoppers can split eligible purchases into three payments, with the first due at checkout and the rest monthly. At participating stores, they can scan an Atome QR code at the cashier, giving merchants an offline route alongside online checkout. That reach depends on the retailer accepting Atome, so shoppers should not assume it is usable everywhere.

The mobile app handles account setup, purchases in three payments and payment-schedule tracking. Atome+ awards one point per S$2 spent, redeemable for rewards or in-app prize games. These perks add a modest incentive, but the payment schedule and its costs matter more to a purchase decision.

Key features

Payment plans and consequences

Pay-in-3 is interest-free, with one payment at purchase and two monthly payments afterward. Pay-in-6 starts the day after purchase, with subsequent payments every 30 days. Longer plans may incur a processing fee shown in the app at transaction time; plans beyond three months can carry a one-time fee of up to 3% of the purchase value, inclusive of GST. The extra time may help with cash flow, but shoppers should weigh that fee before accepting a longer schedule.

If automatic deduction fails on the due date, Atome suspends the account and charges an administrative fee of S$15 or S$30 per late payment, depending on the order amount. That makes reliable repayment capacity essential; this is a poor fit for anyone likely to miss a due date.

Merchant tools and integrations

Atome documents API integration for online transactions and Atome Cashier on POS for physical transactions. Its developer portal lists Shopify, WooCommerce, Magento, Prestashop, OpenCart, EasyStore, Wix and Salesforce integrations, and it offers a merchant dashboard. This gives merchants several routes to add Atome to existing commerce operations, though teams should confirm that their particular platform setup is supported before planning an implementation.

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. Support hours are Monday to Friday, 09:30–18:30; support is closed on weekends and public holidays, which may matter for teams needing help outside business hours.

Pricing

Atome uses a freemium model, with a free plan and merchant pricing on request. There are no seat or quota terms attached to the consumer plan below; the meaningful cost differences are the repayment schedule and any applicable fees.

For longer plans, check the fee presented in the app at transaction time. A missed automatic deduction can trigger account suspension and a S$15 or S$30 fee per late payment, based on order amount, so the nominally free three-payment option is not cost-free if payments are missed.

Platforms

Atome supports Android, iOS, web and API. Its consumer regions are Singapore and Malaysia, and its checkout channels are omnichannel. For merchants, the listed platforms include Easy Store, Magento 1 and 2, OpenCart, Salesforce SFRA and Salesforce Site Genesis, alongside integrations listed through its developer portal.

Who it's for

Atome fits mobile-first shoppers in Singapore and Malaysia who buy from participating merchants and can manage monthly repayments. For merchants, it is worth considering when adding installment checkout across online and physical channels is a priority, particularly if the existing commerce stack aligns with its integrations. It is less suitable for shoppers whose budgets cannot absorb scheduled deductions or for merchants that need support on weekends and holidays.

Pros and cons

• Pros: Pay-in-3 has no interest at participating merchants, with the first payment at purchase and the balance spread monthly.
• Pros: QR checkout at participating physical stores complements online API and POS options for merchants.
• Pros: The developer portal lists integrations across several commerce platforms, including Shopify, WooCommerce and Salesforce.
• Cons: Longer plans may add a processing fee, and plans beyond three months can cost up to 3% of the purchase value.
• Cons: A failed deduction leads to account suspension and a S$15 or S$30 charge per late payment.
• Cons: Support is limited to weekday business hours, excluding public holidays.

Alternatives

For shoppers comparing installment services, start with the Buy Now, Pay Later Platforms category. Choose Tabby if its four interest-free payments with no fees better suit the purchase; it also offers a longer pay-over-time option with fees, if any, shown at checkout. Afterpay may suit shoppers who prefer four interest-free installments over six weeks, with the first payment upfront and eligibility required; its monthly plan is another option. Scalapay offers three monthly installments without customer interest, while its four-payment plan may involve a customer fee.

Aplazo is another option for shoppers comparing buy-now-pay-later services. Consider Klarna if a paid card membership fits better: its Core membership is 4.99 USD per month and its Plus membership is 9.99 USD per month. Affirm may suit buyers seeking four interest-free payments every two weeks on orders from $50 to $249.99, or monthly installments. For shoppers considering fortnightly schedules, Kueski Pay offers purchase plans from 2 to 12 fortnightly payments, subject to approval and restrictions. Oney is another freemium option to compare.

Verdict

Atome is a sensible choice for Singapore and Malaysia shoppers who use participating merchants and can reliably make scheduled payments, and for merchants seeking online and in-store installment checkout with API and POS routes. Its main advantage is interest-free Pay-in-3; look elsewhere if you need broader merchant acceptance, cannot tolerate late-payment consequences or want longer repayment without a possible fee.