Atome MY - Buy Now Pay Later
Atome MY - Buy Now Pay Later is #3 in Shopping Free in Malaysia and charting in 1 of 30 countries we track.
Updated 25 Oct 2026 · rankings refresh through the day
DeveloperAPayLater Financials Pte Ltd
CategoryShopping
PriceFree
Released
Rating★ 4.9 (184k)
Version2.161.0
Age rating4+
First seen by us
13 Oct 2026
13 Oct 2026Rating
4.9 ★
184k ratings
Measured
Best rank now
#3
Shopping FreeMeasured
Atome MY - Buy Now Pay Later at a glance
AI summary written from our chart and store data, 2026-10-20. It can be wrong: check the numbers above.
A Shariah-compliant buy-now-pay-later and digital Visa card platform for Malaysian consumers to manage instalments, access financing, and shop at over 17,000 partner brands. The app holds a strong #3 position in the Malaysia Shopping free charts and #39 overall, indicating high user engagement and trust within the local e-commerce sector.
Similar apps: GrabPayLater, ShopeePayLater, Klarna
Atome MY - Buy Now Pay Later on the App Store
App details
App ID
1533642823
Publisher
APayLater Financials Pte Ltd
On the store since
Oct 2020
6 years on the store
Minimum OS
iOS 14.0+
iPhone 6s and later
Devices
iPhone · iPad
Content rating
4+
Languages
7
EN ID JA MS TH ZH VI
Size
191 MB
Also listed in
Finance
Where Atome MY - Buy Now Pay Later's downloads come from Modelled
Last 30 days: organic search, browsing the store, features and paid ads.
Where it ranks now
Every top chart it appears in across 30 countries.
| Country | Charts | Rank |
|---|---|---|
| Malaysia | ShoppingFree | #3 |
| Malaysia | All AppsFree | #53 |
Apps near Atome MY - Buy Now Pay Later on the chart
Shopping Free, around #3.
Ratings
App Store, worldwide.
Rating
4.9 ★
184k ratings
Measured
Ratings
184k
Measured
What users say about Atome MY - Buy Now Pay Later
From recent reviews.
About Atome MY - Buy Now Pay Later
Shop now, pay later—anywhere Visa works.
Atome brings together the Atome Visa Card, PayLater and i-Cash in one Shariah-compliant app. Shop at 17,000+ partner brands, online or in-store, or access financing in the app.
【Experience the Atome Card: Pay Later Anywhere】
Shop further with the Atome Card—your Visa card with spending credits once approved. Use it online, in-store, or overseas, and pay with DuitNow QR via Scan in the app.
Use your Atome Card for groceries and daily essentials at AEON or Watsons, fashion at Uniqlo, online on Lazada and Shopee, rides and food with Grab, or flights with AirAsia.
• Flexible instalments — Up to 12 months, Shariah-compliant
• Credits on approval — Apply in minutes; spending credits and virtual card ready once approved
• No annual fees — A Visa Card with no hidden charges
• Atome+ rewards — Earn points via in-app tasks and referral campaigns (MGM)
【Get your Atome Card】
Who can apply:
• Malaysian citizen or long-term resident
• 18 years of age or older
• Active Atome account holder
How to apply:
1. Open the Atome app → Card tab → "Apply Now"
2. Submit your personal details and upload your ID
3. Once approved, use your virtual or physical Atome Visa Card. Physical card delivery may take longer due to shipping.
【Shop Now, Pay Later with Atome PayLater】
▶ New to Atome? Get RM35 off your first purchase! ◀
Get what you want today at 17,000+ partner brands—online or in-store. Split purchases into 3 payments with 0% profit rate at participating merchants such as ZALORA, Sephora, Samsung, Agoda, BJAK, and Club 21.
Select Atome at checkout or scan the Atome QR in-store. Manage payments anytime in the app.
For a better PayLater experience, link your bank card before you shop (Me → Payment method). Most Malaysian debit and credit cards work—including Maybank, CIMB, RHB, GXBank, Ryt Bank, and Bank Islam (BIMB). Acceptance may vary.
【Flexible financing with Atome i-Cash】
Need cash financing or an alternative to bank and digital-bank financing?
Atome i-Cash is an in-app financing option for eligible users. Limits and approval vary.
Atome i-Cash offers fast, secure, Shariah-compliant financing under Tawarruq principles for eligible users. Access financing for travel, education, fashion, or business, subject to approval.
• Financing limits — Up to RM15,000, eligibility applies
• Easy application — Apply with your ID and complete the process in the app
• Transparent profit rates — From 1.5% per month; no hidden charges
• Fast disbursement — As little as 2 minutes after approval for eligible users
• Flexible repayment — Up to 12 instalments
Note: Eligibility, limits, approval time, and product availability may vary. Terms and conditions apply.
【How to Pay with Atome】
Atome Visa Card:
1. Apply in-app (Card → Apply Now); once approved, your card is ready
2. Pay anywhere Visa is accepted—online, in-store, or overseas
3. Split eligible spending into up to 12 instalments in Bills
Atome PayLater:
1. Select Atome at par
Atome brings together the Atome Visa Card, PayLater and i-Cash in one Shariah-compliant app. Shop at 17,000+ partner brands, online or in-store, or access financing in the app.
【Experience the Atome Card: Pay Later Anywhere】
Shop further with the Atome Card—your Visa card with spending credits once approved. Use it online, in-store, or overseas, and pay with DuitNow QR via Scan in the app.
Use your Atome Card for groceries and daily essentials at AEON or Watsons, fashion at Uniqlo, online on Lazada and Shopee, rides and food with Grab, or flights with AirAsia.
• Flexible instalments — Up to 12 months, Shariah-compliant
• Credits on approval — Apply in minutes; spending credits and virtual card ready once approved
• No annual fees — A Visa Card with no hidden charges
• Atome+ rewards — Earn points via in-app tasks and referral campaigns (MGM)
【Get your Atome Card】
Who can apply:
• Malaysian citizen or long-term resident
• 18 years of age or older
• Active Atome account holder
How to apply:
1. Open the Atome app → Card tab → "Apply Now"
2. Submit your personal details and upload your ID
3. Once approved, use your virtual or physical Atome Visa Card. Physical card delivery may take longer due to shipping.
【Shop Now, Pay Later with Atome PayLater】
▶ New to Atome? Get RM35 off your first purchase! ◀
Get what you want today at 17,000+ partner brands—online or in-store. Split purchases into 3 payments with 0% profit rate at participating merchants such as ZALORA, Sephora, Samsung, Agoda, BJAK, and Club 21.
Select Atome at checkout or scan the Atome QR in-store. Manage payments anytime in the app.
For a better PayLater experience, link your bank card before you shop (Me → Payment method). Most Malaysian debit and credit cards work—including Maybank, CIMB, RHB, GXBank, Ryt Bank, and Bank Islam (BIMB). Acceptance may vary.
【Flexible financing with Atome i-Cash】
Need cash financing or an alternative to bank and digital-bank financing?
Atome i-Cash is an in-app financing option for eligible users. Limits and approval vary.
Atome i-Cash offers fast, secure, Shariah-compliant financing under Tawarruq principles for eligible users. Access financing for travel, education, fashion, or business, subject to approval.
• Financing limits — Up to RM15,000, eligibility applies
• Easy application — Apply with your ID and complete the process in the app
• Transparent profit rates — From 1.5% per month; no hidden charges
• Fast disbursement — As little as 2 minutes after approval for eligible users
• Flexible repayment — Up to 12 instalments
Note: Eligibility, limits, approval time, and product availability may vary. Terms and conditions apply.
【How to Pay with Atome】
Atome Visa Card:
1. Apply in-app (Card → Apply Now); once approved, your card is ready
2. Pay anywhere Visa is accepted—online, in-store, or overseas
3. Split eligible spending into up to 12 instalments in Bills
Atome PayLater:
1. Select Atome at par
Latest updates
2.161.0
Pay with DuitNow QR via Scan in the app.
Shop anywhere Visa is accepted, with flexible instalments up to 12 months.
No annual fees. Shariah-compliant. Plus Atome+ rewards.
Apply in minutes in the app—once approved, your Atome Card and spending credits are ready to use.
2.160.0
Pay anywhere Visa is accepted—with flexible monthly instalments up to 12 months.
Visa card convenience: no annual fees, Shariah-compliant.
Apply in minutes in the app—once approved, your Atome Card and spending credits are ready to use.
Update now and apply for your Atome Card!
Store changes
What Atome MY - Buy Now Pay Later changed on its store page: name, icon, screenshots, price, size, languages, requirements.
Description updated
New screenshots
8 screenshots (was 8)
