Atome MY - Buy Now Pay Later

-------✦ INTRODUCTION ✦------

Atome MY APP is Malaysia’s leading Buy Now Pay Later platform offering flexible payment plans, instant financing, and exclusive rewards.

Originally developed in Malaysia with English as its native language, Atome gives users more control over spending by partnering with thousands of brands while providing secure, Shariah-compliant financing options.

-------✦ KEY FEATURES ✦------

Flexible BNPL Shopping 

Split any eligible purchase into three interest-free monthly payments, whether online or in-store. Atome works with over 13,000 brands, making it easy to pay for fashion, tech, travel, or essentials in a way that fits your budget and lifestyle.

Atome i-Cash Financing 

Access secure, Shariah-compliant financing based on Tawarruq with amounts up to MYR 15,000. Whether you're paying for travel, education, or growing your business, the i-Cash option allows fast application, quick disbursement (as little as 2 minutes), and transparent rates starting from just 1.5% monthly.

Daily Vouchers & Cashback Rewards 

Maximize savings by unlocking daily vouchers, seasonal deals, and monthly giveaways. Users regularly receive app-exclusive offers and participate in campaigns for a chance to win premium prizes.

Secure & Streamlined Checkout 

Payments are protected with bank-level encryption, offering a seamless checkout experience using credit/debit cards, PayPal, or even cash on delivery—both online and in stores.

Smart Budgeting & Expense Control 

Track your spending, manage repayment schedules, and set alerts to ensure you never miss a payment. The app makes it easy to budget wisely while maintaining a good financial rhythm.

Instant Approval & Hassle-Free Setup 

Apply quickly for both BNPL and financing options with just your ID. Get approved instantly and start shopping with zero paperwork and no stress. Everything is optimized for convenience and speed.

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

Country: Malaysia 

Original Language: English

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

Atome MY APP is perfect for young professionals, online shoppers, and financially-savvy users across Malaysia who want flexible payment plans without added fees. 

It’s especially helpful for those seeking ethical financing options or looking to streamline purchases with a smart budgeting companion.

FREQUENTLY ASKED QUESTIONS (FAQ)

Q: How do I use Buy Now Pay Later? 

A: Select Atome as your payment method during checkout. Once approved, your total is divided into three monthly payments.

Q: Is Atome i-Cash Shariah-compliant? 

A: Yes. It is fully compliant under Tawarruq financing principles and meets Islamic finance standards.

Q: Which brands accept Atome? 

A: Over 13,000 brands in Malaysia, including Sephora, Zalora, Samsung, Agoda, Watsons, and more.

Q: How fast is the i-Cash disbursement? 

A: Funds may be released within 2 minutes after approval, depending on application details.

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

Official Website: Here

Email: developer@apaylater.com / support@atome.sg (Developer)

Phone number: +65 9853 2117

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Version History

v2.119.0 ---- 27 Jul 2025

Minor bug fixes and improvements. Install or update to the newest version to check it out!