Atome

Atome is a leading Asian buy now, pay later (BNPL) platform that lets shoppers split purchases into interest-free installments while merchants get paid upfront. Operating across Southeast Asia and other Asian markets, it partners with online and in-store retailers to boost conversion and basket size, and offers a shopping app that connects consumers to partner brands.

The platform covers pay-in-installments (typically three interest-free payments), online and in-store checkout integration, a shopping app, and merchant tools, with merchants paying a discount rate per transaction (quoted by agreement and volume) while Atome manages credit and collections. Its broad Asian footprint and consumer app differentiate it in the regional BNPL market.

Atome serves ecommerce and retail merchants across Asia that want to increase conversion with installments, and shoppers who want to pay over time interest-free. With a large merchant network and user base, its BNPL and app make it a leading buy-now-pay-later platform in Asia.