Buy Now, Pay Later 


1. Select Atome

Fill up your information then choose the payment method to Atome and proceed to place an order.

2. Redirection to the Atome Website

You will be redirected to the Atome website. You will be asked to enter your phone number to received an OTP in order to proceed. The phone number that you enter should be your phone number without its country code.Eg: If your phone number is “+65 1234 5678”, the you will need to enter “12345678”.

3. Launch Atome App

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.

4. Check Bills

Check the status of your payment schedule under “Bills” in the Atome app. You’ll also be informed when your payment cycle is complete. That’s it!


Atome is a “buy now, pay later” mobile app that splits your bill into three equal payments over two months. The mobile app is free to download and free to use for consumers: Atome charges zero interest and zero service fees. After downloading our mobile app and setting up your account, scan an Atome QR code to pay if you’re at a shop or choose Atome as a payment option when you’re on a merchant’s website. You pay 1/3 of the total bill on the spot. The second payment will be due 30 days later, and the third, the following month.

Download the app to register and purchase with Atome at zero interest and service fees. Apple Store | Google Play

1) Register with your handphone number.
2) As a first-time user, you will need to go through user verification. Click “Pay” at the home page.
3) Fill in personal information with MyInfo or manual input.
4) Add your credit/debit card details to complete the registration.

When shopping online, choose Atome during checkout. If you’re shopping at an offline store, scan the QR code at the payment desk.
That’s it; you’ve successfully split your purchase into three interest-free payments.

Atome is available as a payment option if you:

  • Are at least 18 years of age
  • Own a Singapore-issued credit/debit card
  • Have a valid and verifiable phone number

Yes, Both debit and credit cards are accepted payment methods for Buy Now, Pay Later on Atome. Making it more easier and affordable for everyone to make installment purchases both online & offline!

No. Atome is a free service. There is no hidden charges or interest for using Buy Now, Pay Later provided that you pay all your installments on time.

After checking out from an Atome-partnered store, on the screen, select the voucher you wish to apply and tap ‘Confirm.’
You’ll see your total bill adjusted after applying the voucher.

For more information on Atome, please visit their website at If you have any further questions regarding their services, please email them at