Atome

Atome is ranked #3 of 26 in buy now, pay later apps on The Finance Base. 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 apps

Free plan: Yes
Checkout channels: omnichannel
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 days
Merchant platforms: Easy Store; Magento 1 & 2; OpenCart; Salesforce SFRA; Salesforce Site Genesis; Shopify; Wix; WooCommerce; open API
Consumer regions: Singapore; Malaysia
Merchant dashboard: Yes

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Atome

What it does: Atome is a digital consumer financing platform that lets shoppers split purchases at online and offline retailers.
Interest-free installments: Customers can choose 3 interest-free payments, with the first due at purchase and later payments monthly.
Longer plans: Atome says longer plans may carry a processing fee displayed in the app at transaction time.
In-store checkout: At participating offline stores, shoppers can scan Atome’s QR code at the cashier.
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.
Mobile app: The app lets users set up an account, make purchases in 3 payments and track their payment schedule.
Integrations: The developer portal lists Shopify, WooCommerce, Magento, Prestashop, OpenCart, EasyStore, Wix and Salesforce integrations.
API and POS: The developer portal documents API integration for online transactions and Atome Cashier on POS for offline transactions.
Merchant support: Atome says it supports major e-commerce platforms and payment gateways and can help merchants integrate online or in physical stores.
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.
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.
Support hours: Atome lists support business hours as Monday to Friday, 09:30–18:30, and closed on weekends and public holidays.
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.
Headquarters: Singapore
Price from: Free

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Where it ranks on The Finance Base

Best Buy Now, Pay Later Apps in 2026#3 of 26

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Sources

atome.sg/our-story· checked 3 Oct 2026
atome.sg/en-sg/how-it-works· checked 3 Oct 2026
atome.sg/get-the-app· checked 3 Oct 2026
partner.apaylater.com· checked 3 Oct 2026
atome.sg/business· checked 3 Oct 2026
help.atome.sg/hc/en-gb/articles/4403114483225-What-ha· checked 3 Oct 2026
atome.sg/bnpl-code-of-practice· checked 3 Oct 2026
atome.sg· checked 3 Oct 2026
help.atome.sg/hc/en-gb/articles/17954127585689-How-mu· checked 3 Oct 2026