ATOME Installment

3 simple steps when you pay with Atome


Select Atome at checkout
Shopping in-store? Scan our QR code at participating merchants. If you're online, select "Atome" during checkout.

Make payment
Atome automatically splits your bill into 3 easy and equal payments. Zero interest. Zero service fee. You'll pay the first payment at the point of purchase. The next two payments will be spread 30 days apart.
Check bills
Check status of your payment schedule under “Bills” on the app. You’ll also be informed when your payment cycle is completed.




Founded in 2017, Atome is a Singapore-headquartered technology company whose mission is to create a better life for consumers through greater financial access and technology. Atome (pronounced “Ah-toh-mee”) stands for “Available to me” and “Access to more”, because we firmly believe in making quality products and services affordable and accessible to underserved or underbanked consumers.

Atome has helped over 10 million customers gain access to credit throughout Southeast Asia, India and China. Atome “buy now pay later” was launched in Singapore in Dec 2019. We now partner nearly 1,000 retailers across a range of verticals. Our merchant network is rapidly accelerating and in June, we expanded our business presence to include Malaysia, Indonesia and Hong Kong.

Atome is a subsidiary of ADVANCE.AI, a Series-C big data and AI company headquartered in Singapore which is part of a consortium applying for Singapore's digital wholesale banking licence. Since 2016, ADVANCE.AI has raised over US$130 million in capital. Our investors include leading Asian venture capital firms Pavilion Capital, Vision Plus Capital and GSR Ventures. ADVANCE.AI’s core expertise is in using AI to help enterprise partners in banking, financial services, retail and e-commerce in e-KYC (know your customer), fraud detection, risk analysis and credit scoring.