Time to own it.

Own the things you want,

pay later in 3 easy, interest-free payments.

3 simple steps when you pay with Atome

STEP 1

Select Atome at checkout

Shopping in-store? Scan our QR code at participating merchants. If you're online, select "Atome" during checkout.

STEP 2

Make payment

Atome automatically splits your bill into 3 easy and equal payments. Zero interest. Zero service fee. You'll pay the first payment at the point of purchase. The next two payments will be spread 30 days apart.

STEP 3

Check bills

Check status of your payment schedule under “Bills” on the app. You’ll also be informed when your payment cycle is completed.

Benefits of using Atome

Affordability
Spreading payment over time makes quality products and services more affordable and accessible to you at the point of purchase. With Atome, you choose how you want to pay.
Convenience
We offer payment flexibility and control, so you can decide how you want to pay. All it takes is 72 seconds to register an account and complete a transaction. Payments are automatically deducted.
Transparency
Check your payment schedule anytime through our app. If you miss a payment, we'll temporarily freeze your account. No snowballing interest charges or hidden fees.