# Atome SG - Shop Now, Pay Later

> Split payments, more rewards. Get KrisFlyer miles, FairPrice vouchers and more

Canonical page: [https://chrome-stats.com/d/com.apaylater.android](https://chrome-stats.com/d/com.apaylater.android)

## Overview

- **ID:** `com.apaylater.android`
- **Platform:** Android
- **Type:** Android app
- **Status:** Available
- **Publisher:** APaylater Financial Pte Ltd
- **Category:** SHOPPING
- **Downloads:** 949,257
- **Rating:** 4.93 / 5 (49,409 ratings)
- **Last updated:** 2026-09-10
- **First published:** 2019-12-05
- **Publisher country:** SG
- **Data as of:** 2026-09-11
- **Store listing:** [Google Play Store](https://play.google.com/store/apps/details?id=com.apaylater.android)
- **Website:** [http://www.atome.sg](http://www.atome.sg/)
- **Privacy policy:** [https://www.atome.sg/privacy-policy](https://www.atome.sg/privacy-policy)

## Description

**Atome SG - Shop Now, Pay Later** lets you split eligible online and in-store purchases into three payments or choose a longer payment period for a small fee at participating merchants. Shop across fashion, beauty, travel, electronics, dining, and everyday essentials from brands such as SHEIN, Sephora, Agoda, ZALORA, Amazon, IKEA, and more.

Earn Atome+ points with eligible payments and redeem rewards including KrisFlyer miles, NTUC LinkPoints, Grab, FairPrice, Lazada, and Shopee benefits. The app also offers welcome vouchers, exclusive deals, cashback opportunities, Atome Challenges, personalized recommendations, automatic payment deductions, bill tracking, and payment reminders. New users may be eligible for a first-purchase voucher, subject to applicable terms and conditions.

## Rankings

- #70,283 — Overall

## Review summary

### Pros

- Easy and convenient to select payment durations
- Useful for cash-strapped individuals with installment options
- Allows for some flexibility in managing payments
- Convenient for online shopping and purchasing gadgets with budget control

### Cons

- Horrible customer service with unhelpful template responses
- Frequent issues with payments being processed or transactions being declined
- Lack of transparency about remaining credit and balance
- Multiple reports of accounts being locked or closed without clear reasons

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Source: [Chrome-Stats](https://chrome-stats.com/d/com.apaylater.android)