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Atome

Learn how to accept Atome payments in Hong Kong, Malaysia, and Singapore.

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Learn more about Atome in Hong Kong on atome.hk, in Malaysia on atome.my, in Singapore on atome.sg.

Atome is a popular buy now, pay later service in some countries of the APAC region.

With Atome, the shopper can pay for the goods in three installments. Before approving the payment, Atome performs risk checks on the shopper.

With Atome, the payment flow is as follows:

  1. The shopper chooses to pay with Atome on your website or app.
  2. Your website or app redirects the shopper to the Atome payment page.
  3. The shopper selects how to proceed:
    • Pay using app. On desktop, the shopper opens their Atome app and scans the QR code. On mobile, the shopper is redirected to the Atome app automatically.
    • Continue in browser. The shopper authenticates with their phone number and a one-time password (OTP).
  4. Atome presents a breakdown of installment payments.
  5. The shopper selects the payment method, confirms the payment, and is then redirected back to your website or app.

Due to high risk, Atome is not available for portable electronics, like phones, laptops, speakers, and similar. On your checkout page, you'll need to implement business logic that disables Atome for this category of items.

Payment type Payment flow Countries Currencies Recurring Refunds Partial refunds Separate
captures
Chargebacks
Buy Now Pay Later Redirect HK, MY, SG HKD, MYR, SGD -x- -white_check_mark- -white_check_mark- -x- -x-

Transaction limitations

Depending on the country, Atome has some limitations for the minimum and maximum amount per transaction.

Country Minimum amount Maximum amount
Hong Kong HKD 100 USD 3000
Malaysia MYR 50 USD 2000
Singapore SGD 20 USD 3000

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