Merchant instalments · buy now, pay laterAtome Singapore
Split a purchase. See the full cost.
Pay in 3 at participating merchants, with longer plans where offered. The Singapore app also supports participating in-store merchants in Malaysia.
- Best for
- Merchant checkout instalments
- Cost to know
- Pay in 3 interest-free; longer plans cost extra
A checkout service, built around instalments.
Use Atome at participating merchants and repay on the app schedule. Singapore’s service is presented here as merchant BNPL; the Malaysia Visa prepaid card is a different product.
Compare the payment plans
- Pay in 3
- Interest-free at participating merchants when paid on schedule.
- Pay in 6
- Up to 3% one-time processing fee on the purchase after vouchers, inclusive of GST; charged with the first payment.
- Pay in 9 / 12
- 0.75% of the total purchase per month; availability depends on checkout.
- Late-payment fee
- S$15 per overdue bill for orders below S$1,000; S$30 for orders above S$1,000. For exactly S$1,000, check the app terms.
For illustration: a S$600 purchase over 12 months adds S$54 at 0.75% per month, for S$654 total. Always use the actual checkout schedule.
Using your Singapore app in Malaysia
Atome Singapore lists participating in-store merchants across Malaysia, including user-generated QR merchants, with Sephora excluded. This does not mean every DuitNow QR or every shop is supported.
Enter the MYR purchase amount to see the exchange rate and SGD payable at checkout. No additional overseas fee is advertised, but the payment provider’s rate may include an FX spread.
Singapore registration
- Age & mobile
- 18+ and a +65 mobile number.
- Verification
- Full name and details through Singpass MyInfo, date of birth and email.
- Repayment method
- A credit or debit card from a financial institution.
- Minimum purchase
- S$1.50 platform minimum; merchants may set a different minimum.
The reviewed BNPL requirements do not list separate EP / SP / WP approval rules. MyInfo verification alone is not an approval guarantee.
Keep the repayment calendar in view
Atome Singapore is operated by Apaylater Financials Pte Ltd. It is a payment and instalment service, not a savings deposit. Missed payments can freeze the account.
A few useful answers
Does Singapore have the Malaysia Atome Visa card?
This page covers Singapore merchant BNPL. The reviewed Singapore material does not establish availability of the Malaysia Visa card in Singapore.
Are all instalment plans interest-free?
No. Pay in 3 is advertised as interest-free; Pay in 6 and Pay in 9 / 12 have separate processing charges.
Product terms & references
Checked 5 November 2026 · Provider pricing can change. Confirm the quote in the app before paying.