Atome: Debit and Credit Card Installment Plan

Atome: Debit and Credit Card Installment Plan


Make payments easier and more affordable with 3x split payments, 0% interest.
Available online, just select Atome during checkout and in-store.
Atome have expanded their payment period from Pay-In-3 months to include Pay-In-6 months and Pay-In-12 months payment plan.

Download the Atome App here:

Get App Now

Atome BNPL how-to (EN)

Frequently asked questions

1. What are the payment methods for repayment?

App repayment:

Go to your ATOME APP. Select "Check and Pay" overdue bills. Update your credit or debit card details.



Deposit sufficient funds to the debit/credit card bound to your Atome account for auto deduction.

2. Am I eligible to use the Atome service?

To use the service, you must: - Be at least 18 years of age - Currently reside in Malaysia - Have a mobile phone number registered under your MyKad with your telco - Own a credit or debit card that will be used to pay for your purchases on Atome

3. How do I pay using Atome?

Shop with an Atome merchant partner and choose Atome as your preferred payment method at checkout. Make your first repayment (one-third of your bill) with your credit or debit card at the time of purchase and the rest over the next two months in two equal interest-free instalments. It’s that easy.
4. Do customers have to pay any fees for using the Atome service?

Atome is a free service: there are no hidden service fees or interest charges if you pay all your scheduled instalments on time.
5. What happens if I miss a payment?
If you missed a scheduled payment, Atome will charge you an administration fee and freeze your account until the outstanding amounts are paid. To reactivate your account, Atome will charge a RM50 fee. If this reactivation fee and instalment is not paid within seven days, an additional RM25 fee will be charged. In Malaysia, the maximum administrative fee is capped at RM150 per transaction

6. Where can I learn more about Atome?

For more information on Atome, please visit their website at If you have any further questions regarding their services, please email them at [email protected]

7. How is the service fee calculated for 6 or 12 payments plan?
It is a 1.5% percentage (per month) of the order amount equally divided by the agreed payment plan.
For example, you purchase an item of RM715 and select a Pay-In-6 month payment plan
  • Item amount: RM715
  • Less voucher: RM15
  • Actual order amount: RM700
  • Total service fee of 1.5% per month: RM63 (RM10.5 per month x 6 months)
  • Total payable: RM763 (RM700 + RM63)
  • Total payable per month x 6 months: RM127.17
This service fee is inclusive of the prevailing Sales and Service Tax (SST) rate in Malaysia