3 simple steps when you pay with Atome

Select Atome at checkout

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

Select Atome at checkout
Make payment
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.

Check bills

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

Check bills
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.
Aden Wong
IT professional
Tried Atome service in one of my frequently visited hair salons. Atome splits my membership fee into 3 installments so I can enjoy the membership discount and the cash flow freedom at the same time. Like it!
Kyu Tan
I used Atome to purchase a Xiaomi phone from an Atome Partner store. The whole process was easy and hassle-free. Really like the concept of this service to help me control my cash flow.


Buy it. Own it. Pay later.