- App repayment.
- Go to your ATOME APP. Select "Check and Pay" overdue bills. Update your credit or debit card details.
- Deposit sufficient funds to the debit/credit card bound to your Atome account for auto deduction.
- Bank Transfer
- Bank Name: OCBC Bank (Malaysia) Berhad
- Account Number : 710-131772-4
- Account Name: APAYLATER SDN. BHD.
- Address: NO 1, JALAN IBRAHIM, 80000, JOHOR BAHRU, JOHOR DARUL TAKZIM, MALAYSIA.
To avoid delays in posting your payment, kindly leave your customer number or name in the “payment description” and send your proof of payment, name, and phone number to firstname.lastname@example.org.
Important Reminder: If you pay through PayNow or Bank Transfer, there would be a delay for matching your repayment to your outstanding balance. During this time, your total outstanding balance may be auto-debited from your nominated account if there is sufficient balance. If this happens, please contact us at email@example.com to process the refund of the overpaid amount.
- Be at least 18 years of age
- Currently reside in Malaysia
- Have a mobile phone number registered under your MyKad with your telco
- Own a credit or debit card that will be used to pay for your purchases on Atome
If you receive a full refund, any unpaid instalments will be cancelled , and the amount already charged will be refunded. For example, if you’ve made your first repayment, we’ll cancel the two other instalments and you’ll also get your first instalment refunded.
With a partial refund, refund amounts are taken off your next scheduled instalment first. For example, if you bought two items that cost RM45 each and paid your first instalment of RM30, you will receive a partial refund of RM45. Your third instalment will be cancelled and you’ll only pay RM15 for your second instalment. Any excess balance will be refunded to your debit or credit card.
Two items: RM90 (30 x 3 instalments)
Partial refund: RM45
Amount due: RM45
First instalment = RM30
Second instalment = RM30 (-RM15)
Third instalment = RM30 (cancelled)
Your Atome account will be updated to reflect the full or partial refund under the “Bills” tab.
You don’t have to hold off on your purchases or chalk up a huge credit card debt to get what you want
From clothes to services, with Atome, you can purchase items or enjoy a service upfront without needing to pay for the full lump sum on the spot. Payment comes via three manageable repayments spread over two months period.
Here’s an example to illustrate our point.
David is an avid user of Atome and he synced his debit card to the app when he signed up. He needed a well-fitting suit for an upcoming job interview so he decided to get it from his favourite tailor. So instead of using his debit card or credit card when it comes time to pay for the RM300 balance at checkout, he chooses Atome instead. We’ll do the math and split your bill into three equal manageable payments. David will make his first payment of RM100 (one third of the total) on the day of his purchase. Once he has made his first repayment, he won’t be direct debited until the following month. So if he bought his suit on 14 November 2019, his second repayment would be due on 14 December, his last payment on 14 January. You’re essentially getting two months to pay off the total purchase price so it’s much more manageable, especially if you’re on a tight budget.
Doesn’t matter if you don’t have a credit card
We take both debit and credit cards. Use whichever card you’re more familiar with.
Perfect even if you have the memory of a goldfish
With so many things going on in our lives, it’s hard to remember the various instalment due dates. That is why we’ve done all the organising for you. We will split the total sum of your bill into 3 equal instalments which are automatically charged to the debit or credit card linked to your account, so you don’t have to worry that you’ll miss a payment so long as you have money in your bank account. Also, you will be sent a copy of your payment schedule through email, so you can manage your finances and make sure that you have money in your account for those payment every month, or even pay in advance if you chose to do so.
It takes the same amount of time as any other payment method
If you don’t have an account with us, just enter your phone number, email address, address and payment details to create one. Once you’re done, you can pay with Atome right away. There’s no need to go through lengthy application processes that you might experience when taking out a loan.
You can save money on interest
When you pay with Atome, you don’t have to pay any interest on your repayments. The only costs you’ll ever pay is the price of your purchase and late payment fees (if you miss a payment deadline).
Refunds are allowed
If you’re concerned that you wouldn’t be able to get a refund if you pay with Atome, fret not. You can still get a refund for purchases made with Atome so long as the retailer agrees to it.