Atome MY - Buy Now Pay Later 簡介

BNPL made smarter with Atome
Shop, pay, and manage money your way, all in one app. Split purchases into 3 easy payments with Atome PayLater at 17,000+ brands, use the Atome Card anywhere Visa is accepted worldwide, or access quick financing with Atome i-Cash. Trusted, licensed, and Shariah-compliant.
🎁 New to Atome? Get RM35 off your first purchase!

💳 Experience the Atome Card
Take your shopping further with the Atome Card for the freedom to pay later anywhere Visa works, from daily essentials to big purchases. Use it online, at in-store locations including selected TikTok Shop merchant stores, or even overseas with instant approval, no minimum income, and Shariah-compliant instalments for all your daily needs.
- No downpayment — Pay later up to 40 days, interest-free.
- Zero annual fees — No hidden charges or paperwork.
- Flexible instalments — Up to 12 months, fully Shariah-compliant.
- Earn rewards — Collect Atome+ points on every purchase.
- Instant approval — Apply in minutes, no minimum income required

⚡Get your Atome Card
Requirements:
- Malaysian citizen or long-term resident
- 18 years of age or older
- Active Atome account holder

How to apply:
1. Open Atome app → Card tab → "Apply Now"
2. Submit personal details and upload your ID
3. You're all set! Pay later anywhere with your virtual/physical Atome Visa cards. (The physical card may take longer due to shipping issues.)

🛍 Shop Now, Pay Later with Atome PayLater
Enjoy daily vouchers, exclusive deals, and monthly giveaways with exciting prizes at over 17,000 beloved Malaysian and international brands. Split your purchases into 3 easy payments across fashion, beauty, tech, travel, insurance & lifestyle, from top brands including ZALORA, Sephora, Samsung, Agoda, BJAK, and Watsons.

💸 Access flexible financing with Atome i-Cash
Atome i-Cash offers fast, secure, Shariah-compliant financing under Tawarruq principles.
Access up to RM15,000 for travel, education, fashion, or business — quick, transparent, and stress-free.
- High financing limits — Get up to RM15,000 for personal or lifestyle needs.
- Easy application — Apply anytime with just your ID; instant digital approval.
- Transparent fees — Clear profit rates starting from 1.5% per month, no hidden charges or surprises.
- Fast disbursement — Get funds in as little as 2 minutes after approval, straight to your account.
- Flexible repayment — Repay up to 12 instalments for better cash flow management.
Note: Eligibility, limits, and approval time may vary. Terms and conditions apply.

🛍 How Atome Works:
Accepted at over 17,000 Malaysian brands, buy now and pay later online or in-store anytime.
1. Select Atome as your payment method at checkout, online or in-store
2. Apply instantly through the Atome app or participating merchant site
3. Get approved in seconds and split your purchase into 3 payments
4. Shop now, pay later with complete flexibility and zero hassle

🔐 Safe & Secure
Atome is licensed and regulated in Malaysia, powered by bank-level encryption and Visa Secure protection. Your personal data, card details, and transactions are safeguarded at every step. giving you total confidence to shop, pay, and go.

📲 Download Atome today
Shop smarter, split payments, and pay anywhere with your Atome Card or flexible financing.
Start shopping smarter with flexible payments, global Visa card access, and instant financing.

☎️ Contact Us
Email support@atome.my.
🌐 Website
📱 Facebook:https://www.facebook.com/atomemalaysia
Instagram:https://www.instagram.com/atome.my
LinkedIn:https://www.linkedin.com/company/atomesg YouTube:https://www.youtube.com/channel/UCgRFa6jWxTMTja_BOSQcggQ

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Atome MY - Buy Now Pay Later 對我的電腦設備來說安全嗎？

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是的，Atome MY - Buy Now Pay Later 遵循 Google Play 的內容指南，確保您在您的 Android 設備上安全使用。

什麼是XAPK檔案？如果我下載的Atome MY - Buy Now Pay Later是XAPK檔案怎麼辦？

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XAPK是一種檔案擴充格式，單獨的APK檔案和OBB cache assets檔案。 XAPK檔案可以簡單透過手機上的預設安裝器直接下載安裝到Android裝置。 XAPK檔案可以幫助你在手機或平板下載或傳輸大型應用程式時節省很大的資料容量。XAPK檔案甚至可以讓你毫無障礙地下載和安裝受區域限制的應用程式。 XAPK檔案不像APK檔案可以簡單透過手機上的預設安裝器直接下載安裝到Android裝置。APKPure XAPK 安裝器可以透過最方便的方式幫你一鍵安裝和管理Android裝置上的APK和XAPK檔案。具體安裝教學可以透過以下連接查看：https://apkcombo.com/tw/how-to-install/ 而在電腦上只需拖拽XAPK檔案至雷電模擬器中即可。