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Atome

Accept Atome BNPL payments allowing customers to split purchases into 3 interest-free installments across Thailand, Singapore, and Malaysia.

Overview​

Atome is a leading Buy Now Pay Later service in Southeast Asia, allowing customers to split payments into 3 interest-free monthly installments with instant approval.

Key Features:

  • ✅ Interest-free - 3 equal monthly payments, no interest
  • ✅ Instant approval - Real-time credit decision
  • ✅ No credit card needed - Only requires ID verification
  • ✅ Merchant protection - Full payment upfront to merchant
  • ✅ 3 markets - Thailand, Singapore, Malaysia

Supported Regions​

RegionCurrencyMin AmountMax AmountUsers
ThailandTHB฿20.00฿50,000Growing
SingaporeSGD$1.50$3,0001M+
MalaysiaMYRRM10.00RM5,000500K+

How It Works​

  1. Customer selects Atome at checkout
  2. Redirected to Atome for instant credit check
  3. Atome approves and shows payment schedule
  4. Customer confirms first installment
  5. Merchant receives full payment
  6. Customer pays remaining 2 installments to Atome

Payment Flow Examples​

Desktop Payment Flow:

Desktop Payment Flow

Buy Now Pay Later flow for desktop:

  • ❶ Select Atome - Customer chooses Atome installment payment
  • ❷ Redirect to Atome - Navigate to Atome checkout page
  • ❸ Display QR code - QR shown for mobile app authentication
  • ❹ Open Atome app - Customer launches Atome on mobile device
  • ❺ Scan QR - Use app to scan QR code from desktop
  • ❻ Instant approval - Real-time credit check and approval
  • ❼ Review installments - See 3-month payment schedule
  • ❽ Confirm - Authenticate and approve first payment
  • ❾ Complete - Merchant receives full payment, customer returns to site

Mobile Browser Flow:

Mobile Browser Flow

Mobile browser login experience:

  • ❶ Choose Atome - Select Atome BNPL at mobile checkout
  • ❷ Login prompt - Enter Atome account credentials
  • ❸ Authenticate - Login with email/phone and password
  • ❹ Credit check - Instant approval process
  • ❺ View plan - See 3 equal monthly installments breakdown
  • ❻ First payment - Confirm initial installment payment
  • ❼ Success - Payment authorized, order confirmed

Mobile App Deep Link Flow:

Mobile App Deep Link Flow

Fastest flow using deep linking:

  • ❶ Tap Atome - Customer selects Atome payment method
  • ❷ App opens - Deep link automatically launches Atome app
  • ❸ Pre-loaded details - Payment info already populated in app
  • ❹ Quick approval - Instant credit decision
  • ❺ Confirm plan - Review and approve installment schedule
  • ❻ Authenticate - Biometric or PIN confirmation
  • ❼ Done - One-tap completion, return to merchant

Implementation​

const omise = require('omise')({
    secretKey: 'skey_test_YOUR_SECRET_KEY'
});

const source = await omise.sources.create({
    type: 'atome',
    amount: 30000, // SGD 300.00
    currency: 'SGD'
});

const charge = await omise.charges.create({
    amount: 30000,
    currency: 'SGD',
    source: source.id,
    return_uri: 'https://yourdomain.com/callback'
});

res.redirect(charge.authorize_uri);

Payment Schedule​

Example: SGD $300 purchase

  • Payment 1: $100 (at purchase)
  • Payment 2: $100 (30 days later)
  • Payment 3: $100 (60 days later)

No interest, no fees for customers

Use Cases​

  • E-commerce fashion & lifestyle
  • Electronics and gadgets
  • Home and living products
  • Beauty and wellness
  • Travel bookings

Requirements​

  • Minimum purchase: $30 SGD / RM30 MYR / $300 HKD
  • Customers must be 18+ years old
  • Customers need ID verification with Atome

FAQ​

How does Atome make money?

Atome charges merchants a transaction fee. The service is free for customers (no interest or fees).

What if customer misses a payment?

Atome handles all collections. Late fees apply to customers, not merchants.

Can I refund Atome payments?

Yes, refunds are supported. Atome handles refunding the customer installments.