Atome is a leading 'Buy Now, Pay Later' (BNPL) platform operating in Malaysia and across the Asia-Pacific region. It enables consumers to shop now and split their payments into three interest-free installments, making it easier to manage personal finances while enjoying immediate access to goods and services.
The service is integrated with thousands of online and in-store merchants across various sectors including fashion, beauty, electronics, travel, and lifestyle. By partnering with well-known brands such as ZALORA, SHEIN, Sephora, Agoda, and Charles & Keith, Atome enhances the shopping experience by offering flexible payment options at checkout.
Atome also offers Atome+, a loyalty program that rewards users with points, cashback, and exclusive perks when shopping with partner merchants. Users can track and manage their payments through the Atome mobile app, which provides full transparency and control over spending and repayment schedules.
For businesses, Atome provides a powerful partnership model that helps increase conversion rates and average order values. The platform is issued in Malaysia through a collaboration with Fass Payment Solutions Sdn Bhd (Fasspay), a licensed issuer of prepaid Visa cards and electronic money.