Atome

Atome splits eligible purchases into three interest-free payments, with the first due at checkout and subsequent payments scheduled over the following months. For consumers who want more time, the platform also offers extended installment options that carry a small fee. All payment tracking and management happens inside the Atome mobile app.

Atome+ is a loyalty tier that layers cashback rewards, exclusive redemption opportunities, and premium experiences onto the base payment service. Members earn points that can be used across shopping, dining, and travel categories. The program also includes in-app games that let users spend loyalty points for prize opportunities.

The firm's merchant network skews toward beauty, fashion, and lifestyle brands, with dedicated trending sections on its consumer marketplace highlighting these verticals. Atome also maintains a curated in-store-only category, indicating a point-of-sale integration with physical retailers in addition to its e-commerce checkout flows.

Atome does not publicly disclose its regulatory status or licensing on its consumer-facing website. BNPL providers in Singapore have operated under an industry code of practice rather than direct prudential regulation during the platform's active period, though the Monetary Authority of Singapore has signaled evolving oversight for the sector.

Atome has not publicly disclosed its funding structure, credit facility relationships, or receivables financing arrangements. For BNPL operators, typical capital sources include bank warehouse lines, asset-backed securitizations, or balance-sheet funding from a parent entity — none of which Atome has confirmed.