Atome Buy Now Pay Later | How It Works & Fees (2024)

Available Installment Terms
3 months, 6 months
Interest Rate
0 – 1.5%
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Inside this review

How Atome Works

Split your purchase into 3 or 6 monthly payments when you pay using Atome at merchant partner stores.

Orders using 3 monthly payments are interest-free, while a 1.5% service fee applies for 6 monthly payments.

You can pay using Atome for purchases made on TikTok Shop and other Atome-enabled stores.

What Happens If Your Atome Repayments are Late

If you are unable to make a payment on the due date, Atome will charge you a Late Payment Charge of RM23, and may charge you an additional penalty of RM7 per order.

This can add up to RM30 in late fees per order.

Atome's Advantages & Disadvantages

Lets you split your payments up to 6 months.

  • Late fees are on the high side (up to RM30 per order)
  • No grace period for payments
  • Only accepted at Atome-enabled partner stores

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