Love It, Own It, Pay Later with Atome

Why wait? Shop today, interest-free and pay later with Atome when you spend above $200.




A smarter way to shop

We want to encourage responsible spending at Atome. Since your payments are automatically deducted from your account, you don’t have to worry about racking up debts you can’t pay off.

Enjoy life’s little luxuries

Whether it's that Insta-famous cult product or spa treatment that you desperately need, it's our goal to help you get the things you want when you want them, all while managing payments over time.


Nothing extra to pay

No interest fees or hidden extra charges if you pay on time. We stick to one simple instalment plan that’s easy to follow and stay on top of.


Frequently Asked Questions About Atome


Am I eligible to use the Atome service?

To use the service, you must:
- Spend above $200

- Be at least 18 years of age
- Currently reside in Singapore
- Have a mobile phone number registered under your NRIC/FIN with your telco
- Own a credit or debit card that will be used to pay for your purchases on Atome

How do I pay using Atome?

Click the Atome link when you checkout and follow the prompts. Make your first repayment (one-third of the total price) with your credit or debit card at the time of the purchase and the rest over the next two months in two instalments.


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.

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.


What happens if I miss a payment?

If you missed a scheduled instalment, we will freeze your account until the amount due is paid. To reactivate your account, we will charge a $20 administrative fee. If this administrative fee and instalment is not paid within seven days, an additional $10 fee will be charged. In Singapore, the maximum administrative fee is capped at S$60 per transaction. If you make your payments on time, the only cost you’ll ever pay is the cost of the item you’re buying.

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 $300 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 $100 (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 installment 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 installments 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).

Terms of Service

Please read these Terms of Service (“Terms”) carefully. By using the Atome Platform and the Atome Services, you agree to be bound by these Terms. The headings contained in this document are for reference purposes only. You should print a copy of these Terms for your records.

Read more - Atome's Terms of Service

JML Singapore Pte Ltd is part of the JML Group of Companies. UEN No:201003805D
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