Explore the Most Suitable Payment Methods for You

Penulis Starry

Sep 10 2021

What is the most common payment method? What payment method do you prefer most? Everyone loves to shop. Sometimes we go out to buy only the necessities. But other times, we shop merely for the sake of shopping. I believe that most of us consider it a self-love ritual. We overcome the resistance and do something for ourselves. Although in some cases, the hurdles are a bit too hard to overcome. These obstacles include the lack of finances.

Types of payment methods used in Malaysia

In Malaysia, there are tons of online payment methods you can get acquainted with and get your hands on. Before going knee-deep into the intricacies of payment methods in Malaysia – did you know that according to JP Morgan, Malaysian e-commerce is worth $4 billion?

Listed below are some of the most used types of payment methods in Malaysia:

  • Bank transfer
  • Credit/debit cards
  • Cash on delivery
  • Digital wallet
  • Buy now, pay later payment methods like Atome

BNPL (Buy Now Pay Later) Payment Method

If you relate to the obstacle shown above, you should probably try the buy now pay later payment method. The procedure is as the name suggests. You can make a purchase whenever you want and pay for it within a given period.

It is one of the best options especially when you are shopping online. They come with different terms and conditions. You must select the one you find most satisfactory.

Flexible Payments

It would be great if you could avail the option of paying the bill in installments. This method works in such a way that your payment is divided into small parts. You can choose to pay these portions on your preferred date within a given time.

With the help of flexible payments, you can now afford the things you could have never imagined. You no longer have to worry about having a lump sum or big funds to purchase what you want.

Security of Payments

The most crucial thing you have to keep in mind is that you are making a protected payment. It means that your bank account and payment information are kept safe.

It should have strict security policies. This way, you can protect yourself from getting scammed while making online purchases.

A good installment method also protects its merchants from any potential loss. One way many do it is they impose a fine on the customers if they fail to pay the installments on time.

Emerging BNPL payment methods in Malaysia

BNPL payment methods definitely make life easier – there’s no doubt about that. There’s no shame in splitting your bills; it has a boatload of benefits, including financial freedom.

Essentially, BNPL payment modes bear an uncanny resemblance with payments via credit cards. Using these robust methods, you can fragmentize your bills into smaller, more manageable payments. Moreover, there’s no interest to lose your sleepover.

Compared to credit cards, BNPL payment methods offer you a simplistic procedure, and you don’t have to fill in excruciatingly long applications to avail of the heavenly services.

Here are some of the emerging BNPL types of payment methods in Malaysia.


Last but certainly not least – let us introduce you to Atome! If you’ve never heard of Atome before, have you ever been living your life to the fullest? It is truly a wholesome application of modern times that lets you split your bills from any of its 6,000+ merchants into three interest-free payments.

Presently, Atome has its operations in 10 regions all across Southeast Asia and allows its users to seamlessly plan and budget their finances. If you don’t feel like paying for all of your purchases right away, use Atome to slice your bills; you deserve it!

FavePay Later

Fave was launched back in 2021 and has amassed a ton of adoration since then. You can use FavePay Later to break your bills from 40,000+ Fave retailers in Malaysia and Singapore.

Mr. Pay Later

Mr. Pay Later is a Malaysian-based BNPL platform that helps its users split their bills into up to six monthly payments. Mr. Pay Later doesn’t have too many partnered merchants as of today, but this is soon going to change.

What is Atome?

Headquartered in Malaysia, Atome offers its users the choice and convenience of more flexible payment options for a variety of products and services. The app allows shoppers to split their purchases over three interest-free monthly payments by scanning a partner retailer’s in-store QR code or upon website checkout.

Scan QR code to download Atome app
Scan QR to download Atome app

By splitting their payments, Atome users will be able to better manage their budget while making higher-quality products more affordable. Get the app right now to get an amazing experience!

Atome partners with as many brands as possible to make them available to you.

Atome Payment Method is International

Atome started in Malaysia in 2019. It also has its main office in this country. Since then, it has enjoyed great success and expanded rapidly. It is now available in many South Asian Countries. Their services are now available in the following countries:

  • Hong Kong
  • Indonesia
  • Mainland China
  • Singapore
  • Malaysia

Another key feature of ATOME is that it provides the option of paying locally as well as making global payments. For this reason, they have partnered with several international brands as well.

Atome offers BNPL.

By now, you must be well aware of the importance of having the Buy Now Pay Later or BNPL option. You will be pleased to know that ATOME also offers its customers the option to make payments whenever they like.

When you choose ATOME as the payment procedure, you get the opportunity to make the purchase without paying the full cost immediately.

Atome is Interest-free

The way ATOME works is that it divides your bill into three small parts. You just have to pay one-third at the checkout. You can pay the rest of the installments 30 days apart.

These installments are free of any interest. You no longer have to worry about paying the interest. It is also free of any hidden charges.

Atome is secure

With Atome, you can rest assured that you are only making secure transactions. With this, you can safely shop online and in-store.

How do you use Atome’s BNPL method?

To use Atome’s BNPL payment method, you first need to download the Atome app and create a free account. To divide your bills from any of Atome’s 10,000+ merchants, you need to scan the retailer’s QR code if it’s a physical store or choose Atome as the payment method when checking out from an online store. There is great convenience of using Atome app to shop for your desired items both online and offline.

What can I use instead of Atome for BNPL?

Mentioned below are some of the most trending BNPL payment methods in Malaysia that are just as good as Atome. Yes, like Atome, these methods are jack of all trades, too!

Shop from Malaysia’s topmost appliance store and avail yourself of the favorable payment terms!

Apple payment method

Apple Payment Method or Apple Pay Later, like every other BNPL medium, allows you to flawlessly pay for your purchases in installments.

Also, now that you’re using the Apple payment method to pay for your haul, we suggest you head over to Switch and Machines to get the best devices at the best payment terms!

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