Atome
Split purchases into interest-free payments and manage spending across thousands of retailers.
Atome is a buy now, pay later (BNPL) service that allows consumers to split their purchases into multiple interest-free payments. It empowers users to manage their spending by offering flexible payment options, either through three interest-free installments or extended payment plans with a small fee, depending on the merchant. The service is accessible via a mobile app, enabling users to track payments and shop at a wide array of online and in-store retailers across the region. Beyond flexible payments, Atome offers a rewards program called Atome+ where users can redeem exclusive privileges, earn instant cashback, and participate in in-app games to win prizes. This platform is designed for shoppers looking for financial flexibility and added value from their purchases, as well as retailers aiming to increase basket sizes, improve conversion rates, and attract new customers by offering flexible payment solutions.