Atome MY - Buy Now Pay Later

Pay Later, Use Card & Get Cash Fast for Smarter Shopping in an all-in-one way

BNPL made smarter with Atome
Shop, pay, and manage money your way, all in one app. Split purchases into 3 easy payments with Atome PayLater at 17,000+ brands, use the Atome Card anywhere Visa is accepted worldwide, or access quick financing with Atome i-Cash. Trusted, licensed, and Shariah-compliant.
🎁 New to Atome? Get RM35 off your first purchase!

🛍 Shop Now, Pay Later with Atome PayLater
Enjoy daily vouchers, exclusive deals, and monthly giveaways with exciting prizes at over 17,000 beloved Malaysian and international brands. Split your purchases into 3 easy payments across fashion, beauty, tech, travel, insurance & lifestyle, from top brands including ZALORA, Sephora, Samsung, Agoda, BJAK, and Watsons.

💳 Experience the Atome Card
Take your shopping further with the Atome Card for the freedom to pay later anywhere Visa works, from daily essentials to big purchases. Use it online, in-store, or even overseas with instant approval, no minimum income, and Shariah-compliant instalments for all your daily needs.
- No downpayment — Pay later up to 40 days, interest-free.
- Zero annual fees — No hidden charges or paperwork.
- Flexible instalments — Up to 12 months, fully Shariah-compliant.
- Earn rewards — Collect Atome+ points on every purchase.
- Instant approval — Apply in minutes, no minimum income required

💸 Access flexible financing with Atome i-Cash
Atome i-Cash offers fast, secure, Shariah-compliant financing under Tawarruq principles.
Access up to RM15,000 for travel, education, fashion, or business — quick, transparent, and stress-free.
- High financing limits — Get up to RM15,000 for personal or lifestyle needs.
- Easy application — Apply anytime with just your ID; instant digital approval.
- Transparent fees — Clear profit rates starting from 1.5% per month, no hidden charges or surprises.
- Fast disbursement — Get funds in as little as 2 minutes after approval, straight to your account.
- Flexible repayment — Repay up to 12 instalments for better cash flow management.
Note: Eligibility, limits, and approval time may vary. Terms and conditions apply.

🛍 How Atome Works:
Accepted at over 17,000 Malaysian brands, buy now and pay later online or in-store anytime.
1. Select Atome as your payment method at checkout, online or in-store
2. Apply instantly through the Atome app or participating merchant site
3. Get approved in seconds and split your purchase into 3 payments
4. Shop now, pay later with complete flexibility and zero hassle

🔐 Safe & Secure
Atome is licensed and regulated in Malaysia, powered by bank-level encryption and Visa Secure protection. Your personal data, card details, and transactions are safeguarded at every step. giving you total confidence to shop, pay, and go.

📲 Download Atome today
Shop smarter, split payments, and pay anywhere with your Atome Card or flexible financing.
Start shopping smarter with flexible payments, global Visa card access, and instant financing.

☎️ Contact Us
Email support@atome.my.
🌐 Website
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Instagram:https://www.instagram.com/atome.my
LinkedIn:https://www.linkedin.com/company/atomesg YouTube:https://www.youtube.com/channel/UCgRFa6jWxTMTja_BOSQcggQ