Atome MY - Buy Now Pay Later v2.135.0

APaylater Financial Pte Ltd

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About this app

Atome MY - Buy Now Pay Later solves the problem of financial flexibility for shoppers by offering a pay later, card, and fast cash option in one app, benefiting individuals who need short-term financial assistance. Compared to alternatives in the Shopping category, Atome MY stands out with its excellent user rating and top-tier app status, indicating a high level of user satisfaction. However, its lack of permissions requests may raise questions about its data collection methods. Overall, the app's simplicity and user-friendly interface make it an attractive option for those seeking a convenient shopping experience.

Pros

With over 1 million downloads and an excellent user rating of 5.0, Atome MY has demonstrated strong social proof and a high level of user satisfaction.
The app's developer, APaylater Financial Pte Ltd, has a reputation for providing reliable financial services, which adds to the app's credibility.
Atome MY's offline capability is not explicitly stated, but its small size and lack of permissions requests suggest that it may be usable without an internet connection, making it a convenient option for users with limited data access.
The app's update frequency is not publicly available, but its current version of 2.135.0 suggests that the developer is actively maintaining and improving the app.
Atome MY's excellent user rating and lack of in-app purchases or ads suggest that the developer prioritizes user experience over monetization, resulting in a seamless and uninterrupted shopping experience.

Cons

The app's lack of permissions requests may raise concerns about its data collection methods, as it is unclear what data is being collected and how it is being used.
Some users may be concerned about the app's requirement for Android 8.0 or higher, which may limit its compatibility with older devices.
Atome MY's excellent user rating may not be entirely representative of the app's quality, as it is based on a relatively small number of total ratings.
The app's developer email and website are provided, but it is unclear how responsive the developer is to user feedback and concerns.

Best for: The ideal user for Atome MY is a tech-savvy individual between the ages of 25 and 45 who regularly shops online and needs short-term financial assistance, has a stable income, and is comfortable with using digital payment methods, making it an attractive option for young professionals and families with financial flexibility needs.

Developer Description

Smarter Shopping with Pay Later, Card & Fast Cash in One App

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, at in-store locations including selected TikTok Shop merchant stores, 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
📱 Facebook:https://www.facebook.com/atomemalaysia
Instagram:https://www.instagram.com/atome.my
LinkedIn:https://www.linkedin.com/company/atomesg YouTube:https://www.youtube.com/channel/UCgRFa6jWxTMTja_BOSQcggQ

Privacy

Given the app's lack of permissions requests, users should be cautious about what data they provide to the app, as it is unclear what data is being collected and how it is being used. To minimize potential risks, users should review the app's terms and conditions carefully before using it and be aware of any changes to the app's permissions or data collection methods. Additionally, users should monitor their account activity regularly to detect any suspicious transactions.

Tips

To get the most out of Atome MY, users should first review the app's terms and conditions carefully to understand the pay later, card, and fast cash options. Users can also optimize their experience by setting up their account and payment methods efficiently, which can help streamline their shopping process. Furthermore, users should regularly review their transaction history to ensure that all payments are accurate and up-to-date.

What's New

🧧 New Year shopping made easy
Celebrate the New Year with exciting card rewards and vouchers up to RM150 on electronics, fashion, beauty, and festive essentials. Enjoy flexible payments and more instalment options for smoother festive shopping. ✨
💳 Activate your Atome Card today
Pay later anywhere Visa is accepted — online, in-store, and overseas — with flexible instalment options to support your New Year spending.
Loving Atome? Show us some ⭐️⭐️⭐️⭐️⭐️ love!

Version Information

Version: 2.135.0
Downloads: 1M+
Updated on: Jan 8, 2026
Released: Jan 12, 2026
Requires: Android 8.0

Statistics

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Downloads Over Time

Atome MY - Buy Now Pay Later has been downloaded times.

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Atome MY - Buy Now Pay Later - Google Play Rankings

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No ranking data available yet. Rankings are updated daily.

#150 in Top Free Apps in Malaysia

#149

Face Swap, AI Avatar Magic

#150

Atome MY - Buy Now Pay Later

Atome MY - Buy Now Pay Later users say on Google Play

★★★★★

Nabilah Saifuddin

for atome card i hope your team can make an open amount for early pay so that i can paid any amount and control my monthly payments. over all it was a good bnpl app. sadly certain apps didn't support atome bnpl anymore

★★★★

Nurul Shafini

Good

★★★

Resha Sri

now they have installment rate 1.5% every month

★★

Dahlia 01

i cash not valid...huhuhu

★

suhailah razali

I'll never use this apps again. they charge me for late payment, but its not my fault. they didn't update and sync with tiktok shop. but charge me for that, i already email for my case but solution. they still count on late payment days even though the case is still going on.