Atome
Singapore-licensed Buy Now Pay Later checkout for merchants across Southeast Asia
Atome is a Singapore-licensed Buy Now Pay Later platform, best for SEA merchants wanting a single BNPL integration across Singapore, Malaysia, Indonesia, the Philippines, Vietnam, and Thailand rather than separate local providers. It offers shoppers 3 interest-free instalments online and in-store while paying merchants upfront, and it operates under a Monetary Authority of Singapore payment services licence and the Singapore BNPL Code. Merchant transaction fees are not published and require contacting Atome's partnerships team.
- ✓Single BNPL integration covers six SEA markets plus Hong Kong
- ✓MAS-licensed and BNPL Code-compliant in its home market
- ✓0% interest instalments for shoppers with no published hidden consumer fees
- ✓Large existing retail partner network to benchmark against (e.g. Zalora)
- ×Merchant transaction/discount fees are not published — requires a sales conversation
- ×English-only public site despite operating in six non-English-first markets
- ×Consumer-facing BNPL carries the usual risk of encouraging overspending, a factor regulators are watching region-wide
- ×No self-serve merchant sign-up flow documented; onboarding is by application
About Atome
Atome is a Buy Now Pay Later (BNPL) platform operated by Apaylater Financials Pte. Ltd., a Singapore-registered and MAS-licensed payment services company (Licence PS20200511). For merchants, Atome plugs into online and in-store checkout so shoppers can split a purchase into three interest-free instalments, with Atome fronting the full amount to the merchant. It partners with major e-commerce platforms and payment gateways for integration and lists thousands of retail partners, including regional names like Zalora, across its markets.
Key Features
Best For
Southeast Asia Fit
Atome is one of the three providers that dominate BNPL transaction volume in Malaysia and operates across most of SEA (Singapore, Malaysia, Indonesia, Philippines, Vietnam, Thailand) under a single Singapore-licensed entity, which gives merchants one BNPL integration instead of a patchwork of local providers. It is a genuinely region-native fintech rather than a Western BNPL brand adapted for SEA, with a large regional retail partner network already live. The limitation for the directory is that Atome does not publish its merchant discount rate (the transaction fee) publicly, so merchants have to go through a partnership conversation to know the real cost.
- Thailand fit
- Medium
- SEA localization
- Multi-country (SG, MY, ID, PH, VN, TH, HK)
- Singapore
- Malaysia
- Indonesia
- Philippines
- Vietnam
- Thailand
- Hong Kong
Integrations
- Payment
- Major e-commerce platform checkout integrations
- In-store card/payment terminal integration
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Related Analysis & Guides
The questions operators actually ask.
Which SEA countries does Atome operate in?
Atome operates in Singapore, Malaysia, Indonesia, the Philippines, Vietnam, and Thailand, plus Hong Kong, under Apaylater Financials Pte. Ltd., a Singapore MAS-licensed payment services company.
How does Atome work for merchants?
Atome integrates into online checkout or in-store payment terminals, lets shoppers split a purchase into three interest-free instalments, and pays the merchant upfront while Atome collects the instalments from the shopper.
What does Atome charge merchants?
Atome does not publish its merchant discount rate; the transaction fee is arranged directly with merchants through its partnerships team.