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Atome vs Kredivo: Which Fintech & Payments Is Better in 2026?

Compare pricing, features, integrations, verified reviews, AI capabilities, security, and customer satisfaction — side by side, with no marketing spin.

Atome
Atome
Rating
—
Reviews
0
From
Custom

in Fintech & Payments

Kredivo
Kredivo
Rating
—
Reviews
0
From
Custom

in Fintech & Payments

Jump to scorecard Ask SIA

The Short Answer

Atome vs Kredivo, in 15 seconds

Choose Atome if…

  • You prefer Atome's approach and ecosystem

Choose Kredivo if…

  • You prefer Kredivo's approach and ecosystem

Head-to-Head Scorecard

How Atome and Kredivo score

It's evenly matched — each leads on 0 of 9 measured dimensions.

  • Customer Rating

    Average score from verified user reviews

    Even
    Atome
    No reviews
    Kredivo
    No reviews

  • Review Volume

    Number of verified reviews — a proxy for adoption

    Even
    Atome
    0
    Kredivo
    0

  • Entry Pricing

    Lowest published starting price (free plan = lowest)

    Even
    Atome
    Custom
    Kredivo
    Custom

  • Free Access

    Availability of a free plan and/or free trial

    Even
    Atome
    Paid only
    Kredivo
    Paid only

  • Integrations

    Number of listed third-party integrations

    Even
    Atome
    6
    Kredivo
    6

  • Features

    Number of listed product capabilities

    Even
    Atome
    6
    Kredivo
    6

  • AI Features

    Capabilities mentioning AI, automation or ML

    Even
    Atome
    —
    Kredivo
    —

  • Security & Compliance

    Number of listed compliance certifications

    Even
    Atome
    2
    Kredivo
    2

  • Platforms & Deployment

    Supported platforms and deployment options

    Even
    Atome
    5
    Kredivo
    5

Feature Comparison

Atome vs Kredivo feature breakdown

Search or filter the full feature matrix — core features, AI, integrations, APIs, security and compliance.

Atome
Kredivo
Overview
User rating
—
—
Pricing model
Custom
Custom
Starting price
Custom
Custom
Free version
Free trial
Features
Key capabilities
Pay in installmentsOnline checkoutIn-store paymentsShopping appMerchant settlement upfrontCredit management
Pay-later checkoutInstallment plansInstant credit decisioningMerchant integrationsConsumer creditData-driven underwriting
AI features
—
—
Integrations & API
Integrations
ShopifyWooCommerceMagentoSalesforce CommercePOS systemsPayment gateways
ShopifyWooCommerceMagentoMarketplacesPOS systemsAPI
Public API
Platforms
Deployment
CloudSaaS
CloudSaaS
Platforms
WebiOSAndroid
WebiOSAndroid
Mobile support
Security & Compliance
Compliance
PCI DSSMAS
OJKPCI DSS
Vendor
Company
—
—
Verified
Founded
—
—
Headquarters
—
—

Pricing Comparison

Atome vs Kredivo pricing

Entry pricing, plan tiers and the cost factors that shape total cost of ownership.

Atome

Custom to start
Merchant (Installments)Custom
  • Interest-free for shoppers
  • Merchant paid upfront
  • Discount rate by volume
  • Online & in-store
EnterpriseCustom
  • App placement
  • Regional coverage
  • Dedicated support
  • Higher volume

Kredivo

Custom to start
Merchant (Pay Later)Custom
  • Pay-later & installments
  • Instant decisioning
  • Fee per transaction
  • Online & in-store
EnterpriseCustom
  • Higher volume
  • Deeper integration
  • Consumer credit reach
  • Dedicated support

Total cost of ownership factors

Free planAtome Kredivo
Free trial to evaluateAtome Kredivo
Transparent published pricingAtome Kredivo
Public API (build vs. buy add-ons)Atome Kredivo

Beyond list price, factor in implementation, training, add-ons and per-seat scaling when estimating total cost of ownership.

Pros & Cons

Atome vs Kredivo: strengths and trade-offs

Atome

Pros

  • Compliance: PCI DSS, MAS
  • Public API available

Cons

  • No free plan
  • No free trial
  • Pricing is quote-based (less transparent)

Kredivo

Pros

  • Compliance: OJK, PCI DSS
  • Public API available

Cons

  • No free plan
  • No free trial
  • Pricing is quote-based (less transparent)

Buyer Fit

Who should use Atome vs Kredivo?

Startups

Either

Either keeps early-stage costs lowest with its entry tier.

Small businesses

Either

Either offers the most accessible pricing for lean teams.

Agencies

Either

Either connects to more tools for multi-client workflows.

Enterprises

Either

Either leads on compliance and breadth for complex needs.

Ecommerce

Either

Either integrates with more of the commerce stack.

SaaS companies

Either

Either is the more developer- and automation-friendly choice.

Integration overlap

Shared integrations (4)

ShopifyWooCommerceMagentoPOS systems

Only in Atome (2)

Salesforce CommercePayment gateways

Only in Kredivo (2)

MarketplacesAPI

Keep Exploring

Other alternatives worth considering

Similar fintech & payments products buyers compare alongside Atome and Kredivo.

Xendit

Xendit

Custom
Midtrans

Midtrans

Custom
Tabby

Tabby

Custom
Tamara

Tamara

Custom
More Atome alternatives →More Kredivo alternatives →

Ask SIA which solution fits your business

SIA, Saaskart's AI buying assistant, weighs Atome and Kredivo against your team size, budget, integrations and compliance needs — then recommends the right fit and the questions to ask each vendor.

Get a personalised recommendation

Atome vs Kredivo — Frequently Asked Questions

What is the difference between Atome and Kredivo?

Atome and Kredivo are both Fintech & Payments solutions. Atome is rated 0.0/5 by 0 users, while Kredivo is rated 0.0/5 by 0 users. The main differences lie in pricing, features, and target audience.

Which is better, Atome or Kredivo?

Based on user ratings, Atome scores higher at 0.0/5. The best choice depends on your team size, budget, and specific requirements.

Which is cheaper, Atome or Kredivo?

Both products have custom pricing. We recommend contacting both vendors for a quote tailored to your team size.

Does Atome or Kredivo have a free plan?

Neither Atome nor Kredivo currently offers a free plan, but both offer paid plans with various tiers.

Can I switch from Atome to Kredivo?

Switching between Atome and Kredivo is possible. Both support data export. Check integration compatibility and plan for data migration to minimise disruption to your team.

Who should use Atome vs Kredivo?

Atome is best suited for teams that prioritise enterprise features. Kredivo works well for teams needing advanced capabilities.

Our Verdict

The bottom line on Atome vs Kredivo

Best Overall

Either

It's a tie balances user satisfaction and proven adoption.

Best for Startups

Either

It's a tie has the friendliest entry point for new teams.

Best for Enterprise

Either

It's a tie leads on compliance and feature breadth.

Best Value

Either

It's a tie delivers the lowest cost to get started.

Best AI Features

Either

Comparable AI capabilities on both sides.

Highest Rated

Either

Both earn equal user ratings.

Ready to decide between Atome and Kredivo?

Visit Atome Visit Kredivo Ask SIA
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