Atome FAQ

Q: What are the payment methods for repayment?

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.


Q: What are the payment methods for repayment if I failed to pay by cards?

Bank Transfer

Bank Name: OCBC Bank (Malaysia) Berhad

Account Number : 710-131772-4



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 [email protected].

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 protected] to process the refund of the overpaid amount.

 Q: Am I eligible to use the Atome service?

To use the service, you must:

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

Q: How do I pay using Atome?

Shop with an Atome merchant partner and choose Atome as your preferred payment method at checkout. Make your first repayment (one-third of your bill) with your credit or debit card at the time of purchase and the rest over the next two months in two equal interest-free instalments. It’s that easy.

Q: It seems too good to be true, what’s the catch?

We know it’s hard to believe, but there really isn’t one.The only cost that you might incur (apart from the price of your purchase) is a fixed late repayment fee that never snowballs.

Q: Do customers have to pay any fees for using the Atome service?

Atome is a free service: there are no hidden service fees or interest charges if you pay all your scheduled instalments on time. That said, the merchant you're shopping with may charge you additional fees for using Atome to pay - that’s between you and the merchant you’re buying goods from.

Q:Can I make a refund? Where can I see my refund status?

It depends on each merchant’s return and refund policy. As long as the merchant agrees to the refund, we’ll immediately process your refund.

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.

Q: Can repayment date be pushed back?

Under normal circumstances, no, but if you are facing technical difficulties or other problems that prevent you from paying on time, though, please get in touch with us as soon as possible so we can provide you with the support that you need.

Q: What happens if I miss a payment?

If you missed a scheduled payment, we will charge you an administration fee and freeze your account until the outstanding amounts are paid. To reactivate your account, we will charge a RM50 fee. If this reactivation fee and instalment is not paid within seven days, an additional RM25 fee will be charged. In Malaysia, the maximum administrative fee is capped at RM150 per transaction.

Q: What are the benefits of using Atome?

We can go on forever but here are the main benefits of using Atome.

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.