Atome
Buy Now Pay Later checkout for online and in-store merchants, with a MAS-licensed Singapore entity
Atome is a Buy Now Pay Later platform run in Singapore by Apaylater Financials Pte. Ltd. (registration 201936265H, licence PS20200511), launched in Singapore in December 2019. Its parent is Advance Intelligence Group, founded in 2016. Shoppers split purchases into 3 interest-free payments, or take more time for a small fee at brand partners. Merchants integrate through major e-commerce platforms and payment gateways, online or in store. Atome's Philippines news page cites over 5,000 retail partners across 8 markets, including Sephora, ZALORA and Agoda. The Philippines site also lists Atome Card, Cash and Savings. Verified against the vendor's own pages on 2026-10-23.
- ✓No interest, annual or service fees charged to consumers, according to Atome's Philippines news page
- ✓Singapore entity holds MAS licence PS20200511 and the site states compliance with BNPL Standards
- ✓Over 5,000 online and offline retail partners across 8 markets, per Atome's Philippines news page
- ✓Supports major e-commerce platforms and payment gateways, with help integrating on a website or in physical stores
- ×Longer repayment terms carry a small fee at brand partners
- ×In the Philippines, a minimum order of P300 applies to pay with Atome
- ×In the Philippines, account setup is completed entirely on Atome's mobile app
About Atome
Atome is a Buy Now Pay Later (BNPL) service. Its Singapore entity is Apaylater Financials Pte. Ltd. (registration 201936265H, MAS licence PS20200511); the Indonesian entity is PT Mega Shopintar Indonesia in Jakarta and the Philippine entity is Neuroncredit Financing Company Inc. Atome launched in Singapore in December 2019. Its parent company is Advance Intelligence Group, and it is part of Atome Financial. Shoppers split a purchase into 3 interest-free payments, or take more time for a small fee at brand partners. Merchants can integrate Atome on a website or in physical stores. Atome's Philippines news page cites over 5,000 online and offline retail partners across 8 markets. The Philippines site also lists consumer products beyond BNPL: Atome Card, Atome Cash, Atome Savings, bill payment and insurance.
Key Features
Best For
Southeast Asia Fit
Atome's Philippines news page lists 8 markets: Singapore, Indonesia, Malaysia, Hong Kong, Vietnam, the Philippines, Thailand and mainland China. Its entities are Apaylater Financials Pte. Ltd. in Singapore (MAS licence PS20200511), PT Mega Shopintar Indonesia in Jakarta, and Neuroncredit Financing Company Inc. in the Philippines (SEC registration CS201816338, Certificate of Authority 1178). Atome launched in Singapore in December 2019. The Indonesian site atome.id is in Indonesian, and the Singapore and Philippines pages are in English. For the Philippines, the news page gives a minimum order of P300 to pay with Atome.
- Thailand fit
- Medium
- SEA localization
- Multi-country (SG, MY, ID, PH, VN, TH, HK)
- Singapore
- Malaysia
- Indonesia
- Philippines
- Vietnam
- Thailand
- Hong Kong
Integrations
- E-commerce
- Major e-commerce platforms
- Payment
- Major payment gateways
- Other
- In-store integration at physical retail locations
This profile was researched and written with AI from Atome's public pages, and AI assistants quote pages on this site. Something wrong or out of date? Email info@software-listing.com with this page and a public source. Corrections are free, for every listing.
How listings and corrections work →- ↗Names Apaylater Financials Pte. Ltd., registration 201936265H and licence PS20200511, and describes 3 interest-free payments, Atome+ cashback and BNPL Standards compliance.verified 2026-10-23
- ↗States Atome supports major e-commerce platforms and payment gateways and helps merchants integrate on websites or physical stores.verified 2026-10-23
- ↗Describes Advance Intelligence Group as founded in 2016, Atome as part of Atome Financial, and lists the retail categories Atome serves.verified 2026-10-23
- ↗Gives the December 2019 Singapore launch, 8 markets, over 5,000 retail partners, named merchants, parent company and no consumer interest or service fees.verified 2026-10-23
- ↗Names Neuroncredit Financing Company Inc. with SEC registration and Certificate of Authority, and lists Atome Card, Cash and Savings products.verified 2026-10-23
- ↗Shows PT Mega Shopintar Indonesia in Jakarta as the Indonesian entity and a site written in Indonesian.verified 2026-10-23
"Verified" means read on the vendor's own published pages on the date shown. We do not run hands-on tests, and a statement a vendor confirmed to us directly is labelled as vendor-confirmed. Software-listing.com is independent and may earn affiliate commissions from some links.
Related Analysis & Guides
The questions operators actually ask.
Which countries does Atome operate in?
Atome's Philippines news page lists 8 markets: Singapore, Indonesia, Malaysia, Hong Kong, Vietnam, the Philippines, Thailand and mainland China. Its site pages name entities in Singapore (Apaylater Financials Pte. Ltd.), Indonesia (PT Mega Shopintar Indonesia, Jakarta) and the Philippines (Neuroncredit Financing Company Inc.).
How does Atome work for merchants?
Atome says it supports major e-commerce platforms and payment gateways and will help merchants integrate it on their website or physical stores. Shoppers can split a purchase into 3 interest-free payments, or opt for more time with a small fee at brand partners.
What does Atome charge merchants?
Not verified yet. The vendor pages checked on 2026-10-23 do not state a merchant fee, discount rate or price, or settlement terms. Contact Atome through its business page for current terms.
Which merchants work with Atome?
Atome's Philippines news page names Zalora, Sephora, Agoda, Shein, Zara, Marks & Spencer, Charles & Keith, Aldo, Furla, Pandora, Victoria's Secret, Timex, Puma Select, Asus, New Era Caps, Giordano, Watch Republic and Timberland among its partners, and cites over 5,000 retailers in 8 markets. The Singapore site also names Secretlab.
Does Atome have local entities in Malaysia, Vietnam and Thailand?
Not verified yet. The vendor pages checked on 2026-10-23 name entities only in Singapore, Indonesia and the Philippines, so the legal entity and licensing in Malaysia, Vietnam, Thailand and Hong Kong are unconfirmed.