Atome ID - Buy Now Pay Later

--------✦ INTRODUCTION ✦------

Atome ID - Buy Now Pay Later makes shopping more convenient by giving you the freedom to split your payments into smaller, manageable installments. 

This app allows you to shop now and pay later, both online and in-store, with 0% interest. Enjoy an easier lifestyle and more flexible spending without the stress of upfront costs.

--------✦ KEY FEATURES ✦------

Atome VA PayLater:

This feature allows you to shop on e-commerce platforms like Shopee, Tokopedia, Agoda, Traveloka, and more using a virtual account with a spending limit up to Rp20,000,000. Enjoy up to 40 days of interest-free use when bills are paid in full before the due date. You can also choose installment plans over 3, 6, 9, or 12 months with no admin fees.

Buy Now Pay Later at Partner Stores:

This feature allows you to split payments into three interest-free parts or extend your payment duration for a small fee. Payments are automatically deducted from your credit or debit card at partner merchants like Tokopedia, Farmers Market, and Gojek.

Instant Checkout Experience:

This feature allows for seamless online and in-store shopping. Just scan a QR code in-store or select Atome at online checkout for quick approval and instant use.

Bill Management:

This feature allows you to view, track, and manage all your bills and transactions easily from the app. Stay organized with clear reminders and a full payment history log.

Clear and Transparent Fees:

This feature allows you to see all payment terms and fees upfront, so you’re always aware of what you’re paying and when it’s due. There are no surprise charges.

Real-Time Notifications:

This feature allows you to stay updated with alerts for due dates, completed cycles, and promotions through push notifications.

In-App Application:

This feature allows you to apply and activate your PayLater account directly in the app within minutes. No long forms, no waiting.

--------✦ COUNTRY OF ORIGIN AND LANGUAGE ✦------

Country: Indonesia

Original Language: Bahasa Indonesia

--------✦ RECOMMENDED AUDIENCES ✦------

This app is recommended for Indonesian shoppers looking for more control and convenience when managing everyday spending. 

Frequently Asked Questions (FAQ) :

Q: Is there any interest charged?

A: No, payments split into three are always interest-free. Longer installments include a small, transparent fee.

Q: Where can I use Atome VA PayLater?

A: You can use it on Shopee, Tokopedia, Agoda, Traveloka, Blibli, Zalora, and more platforms using virtual accounts.

Q: How do I apply for a limit?

A: Just download the app, update to the latest version, and complete the in-app application process in a few minutes.

Q: Are there any hidden charges?

A: No, all fees are clearly displayed in the app before you confirm any transaction.

Q: What if I miss a payment?

A: You will be reminded before the due date. Delays may lead to penalties, so it’s important to manage your bills through the app.

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Contact us at the following sites if you encounter any issues:

Email: support@atome.id

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Version History

V2.118.0-------- 18 Jun 2025

Bug fixes and improvements.