What's Atome?
Atome is a leading buy now pay later brand in Asia, partner over 5,000 leading online and offline retailers across fashion, beauty, lifestyle, fitness and homeware. With Atome, you can get a headstart. Split your purchase into 3 interest-free installments.
How to checkout with Atome
Select Atome as
mode of payment
Splits your bill into
3 equal payments
Auto-deduction over
the next 2 months
What you'll need?

be at least
18 years of age

own a Singapore-
issued credit/debit card

have a valid and
verifiable phone number

Frequently Asked Question

Can I make a refund?

It depends on each bank’s return and refund policy. As long as we agree to the refund, Atome’ll immediately process your refund.If you apply a full refund, any unpaid payments will be cancelled , and the amount already charged will be refunded.With a partial refund, refund amounts are taken off your next scheduled payment first. Any excess balance will be refunded to your debit or credit card.

Can repayment date be pushed back?

Not under normal circumstances but if you are facing technical difficulties or other challenges preventing you from paying on time, please get in touch with Atome as soon as possible.

What happens if I miss a payment?

If you missed a scheduled payment, Atome will charge you an administration fee and freeze your account until the outstanding amounts are paid. To reactivate your account, Atome will charge a $20 fee. If this reactivation fee and payment is not paid within seven days, an additional $10 fee will be charged. In Singapore, the maximum administrative fee is capped at S$60 per transaction.

I don't live in Singapore, does it mean I can't use Atome?

You can use Atome to pay as long as you link a Singapore-issued credit or debit card to your Atome mobile app when setting up your account. The purchase also has to be in SGD currency.

Does Atome has an amount limit?

The minimum bill amount customers can pay using Atome is S$10.