Atome, Southeast Asia's leading Buy Now, Pay Later platform, is revolutionizing the way Indonesians shop with new PayLater products. In addition to our popular 3-easy-payment, 0%-interest service at partner merchants, you can now pay in installments for online purchases over 12 months with Atome VA PayLater. Enjoy a spending limit of up to Rp20,000,000 for a seamless online shopping experience on e-commerce platforms like Shopee, Tokopedia, Agoda, Shop Tokopedia, and more.

Shop Now, Pay Later - Discover the Atome Advantage

1. Atome VA PayLater

Enjoy 0% interest on your online purchases for up to 40 days when you pay your bill in full before your due date. This feature can be used on online shopping platform apps such as Shopee, Tokopedia, Agoda, Shop Tokopedia, Lazada, Blibli, Traveloka, Zalora, Ticket.com, and MAP Club using your Atome limit of up to Rp20,000,000.
Aside from 12-month plans, installment options are also available for 3, 6, and 9 months. Plus, there are no admin fees or hidden charges to worry about.
To get started, all you need is:
- The latest version of the Atome app
- A few minutes to apply in-app

2. Buy Now Pay Later

Split your purchase into 3 interest-free payments or opt for more time with a small fee at our brand partners including Farmers Market, Tokopedia, Gojek, and more, where payments are automatically deducted from your preferred credit card or debit card — so you’ll never have to worry about missing a payment.

3. Manage bills at a glance

The Atome app does all the work for you so you’ll never miss a payment again. Easily check your credit bills, Atome VAPayLater transactions, and payment history via the Atome app. You’ll also be informed whenever payments are due and when your payment cycle is complete.
Enjoy life more and maximize the convenience of installment payments by downloading the Atome app today!

How to shop with Atome VA PayLater

1. Browse and choose your purchases on supported online platforms.
2. At checkout, select Bank Transfer, then choose your preferred bank (virtual account).
3. Tap on Place Order to confirm. Copy the Virtual Account (VA) number provided to proceed with payment.
4. Select VA PayLater, then choose the merchant platform and bank. Paste the VA number you copied earlier.
5. Ensure tha