Shopping is fun, but paying for everything upfront?
Not so much.
That’s where Atome comes in—a Buy Now, Pay Later (BNPL) service that helps you split your payments into manageable installments.
Whether you’re eyeing the latest fashion, upgrading your home, or even booking a trip, Atome makes it more affordable by letting you spread out your payments.
Let’s dive into how Atome works and whether it’s the right fit for you!
What Makes Atome Malaysia Stand Out?
Here are some of the key reasons why Atome has become a go-to BNPL option in Malaysia:
1. 3 Easy Payments
The default 3-month interest-free plan means you don’t have to pay extra fees for spreading out your purchases.
2. Flexible Payment Options
Need more time? Selected merchants offer 6-month and 12-month plans, though these come with a 1.5% monthly installment rate.
3. Shop at Thousands of Stores
From big brands to niche boutiques, you can find Atome’s services in countless online and offline stores. Check out the full list here!
4. Atome+ Rewards
Earn 1 point for every RM1 spent, which you can use to offset future purchases or redeem for rewards.
5. Transparency
No hidden fees! Everything, including any applicable charges, is clearly displayed in the Atome app before you confirm a payment.
6. Low Minimum Spending
You can start using Atome for purchases as low as RM10, though some merchants may have higher minimums.
Get RM15 OFF your first Atome purchase—shop now and split your bills with zero interest!
How to Use Atome Malaysia in 3 Simple Steps
- Shop – Pick your favorite items online or in-store.
- Pay with Atome – Select Atome at checkout (for online shopping) or scan the Atome QR code at the cashier.
- Choose Your Plan – Go for the standard 3-month interest-free plan or opt for a longer installment plan with a small fee.
Atome automatically deducts your payments from your linked card, so you don’t have to worry about missing a due date!
Related: BNPL Malaysia: How Buy Now, Pay Later Works & What You Need to Know
Understanding Atome’s Payment Options
Atome offers different payment plans depending on what works best for you:
Pay-in-3 (Interest-Free)
This is Atome’s standard plan, splitting your purchase into three equal payments at no extra cost.
Pay-in-6 or Pay-in-12
Need more time? Some merchants offer longer installment plans with a 1.5% monthly installment rate.
- If you request a full refund within 2 days, you’ll get back the installment fee as well.
- If you request a partial refund within 2 days, the installment fee won’t be refunded.
- Early Repayment is possible, but any paid installment fees are non-refundable.
Managing Your Atome Payments
Atome makes it easy to stay on top of your payments:
- Automatic Deductions – Payments are auto-debited from your linked card.
- Track Your Bills – The “Bills” section in the app shows upcoming and past payments.
- Early Repayment – Want to pay off a purchase early? You can do it via the app.
- Late Payments? – If you miss a payment, you’ll be charged RM23. Depending on Atome’s funding source, you may also face an extra RM7 penalty.
- Need to Delay a Payment? – If you’re struggling financially, Atome allows case-by-case payment deferrals. Email [email protected] to request assistance.
Unlocking Rewards with Atome+
Every time you shop with Atome, you earn Atome+ points (1 point per RM1 spent).
These points can be redeemed for discounts, vouchers, and other exclusive deals within the Atome app.
Things to Know Before You Use Atome Malaysia
Before jumping in, here are a few things to keep in mind:
Eligibility
You must be 18 years or older, have a Malaysian NRIC, a local mobile number (+60), and a credit or debit card.
Where Can You Use Atome?
Atome is available at a wide range of online and physical stores. Check the Atome app for a full list.
Refunds & Cancellations
Merchants handle refunds. If eligible, refunds take 10-15 business days to reflect in your account.
Payment Methods
Atome accepts debit/credit cards and DuitNow Online Banking (FPX/DNOB).
Purchase Declined?
This might happen due to a duplicate account, outstanding balance, or hitting your spending limit.
My Personal Experience with Atome Malaysia
1. Not all listed merchants accept Atome
I personally tried using Atome at Perodua Service Centre, Watsons, and Guardian, but none of them accepted it.
This means that even if a merchant is listed in the Atome app, they may not necessarily accept it. Always have an alternative payment method ready.
2. Smooth experience shopping on Shein
I used Atome for a purchase on Shein and opted for the 3-installment plan with a 0% interest rate. The entire process was seamless and hassle-free.
3. BNPL may not be the best financial choice
While breaking down payments into smaller amounts seems convenient, they add up over time.
Unlike credit cards, BNPL installment fees or late payment fees cannot be waived.
With credit cards, I can simply call customer service to request a waiver if needed.
4. BNPL services in Malaysia lack strong regulations
Unlike credit cards, which are regulated and allow disputes to be escalated to Ombudsman Malaysia, BNPL services operate in a grey area.
If there’s an issue, customer service quality becomes the deciding factor in resolving disputes, making it a riskier payment method.
FAQs
What is Atome?
A BNPL platform that lets you split payments into 3, 6, or 12 months.
How does it work?
Select Atome at checkout, and your payments will be split into installments.
Are there any fees?
3-month plan = RM0 fees.
6- and 12-month plans = 1.5% installment rate.
What happens if I pay late?
RM23 late fee, plus RM7 penalty (depending on Atome’s funding source).
Can I pay early?
Yes, but any installment fees already charged won’t be refunded.
Where can I shop?
Thousands of participating brands. Check the Atome app for details or check out the link here!
How do I contact Atome?
Email [email protected].
Check out more FAQs at the Atome website!
Final Thoughts: Is Atome Malaysia Worth It?
If you love shopping but prefer breaking down payments into smaller chunks, Atome is a great tool—especially with its interest-free 3-month plan.
Just be mindful of late fees and installment rates for longer plans.
If you’re responsible with payments, Atome can be a smart way to stretch your budget while earning rewards.
Would you try Atome for your next purchase? Let me know your thoughts!
