A free app for Android, by APaylater Financial Pte Ltd.

Atome is one of the leading buy now pay later (BNPL) app in Malaysia. It offers a seamless shopping experience, regardless of whether you shop online or at a physical store.

You can shop from over a thousand stores in Malaysia, with payment options that include credit card, debit card, and even more.

How does the Atome app work?

It works very simply. Choose your preferred retailer and shop online. Once you complete your purchase, the app automatically splits your bill into three equal payments. There is no interest or hidden fees and charges. The payments are automatically deducted from your preferred credit card or bank account.

There is no need to go through any hassle to shop online. Just choose your preferred retailer, and pay only 1/3 of the amount at the point of purchase. You can shop without worrying about your payment cycle. You can shop even if you are short on cash!