Atome MY - Buy Now Pay Later

Name: Atome MY - Buy Now Pay Later
Rating: 5 (138859 reviews)
Author: APaylater Financial Pte Ltd

By: APaylater Financial Pte Ltd App

Visa card, cash financing & BNPL. Instalments up to 12 months with a high limit

Overview

Google Play Store

Downloads

3,064,410 ▲ 16.36K

Data as of 2026-08-02

Rating:

5.00 +1,761

(138,859)

Version:

—

Last updated: 2026-07-23

Ranking

#33,717 ▲ 75

Overall

Features & Capabilities

Atome MY BNPL unites Buy Now, Pay Later with the Atome Card and i-Cash financing. Shop across 17,000+ brands, split purchases into 3 payments, and pay later anywhere Visa is accepted worldwide—all while staying Shariah-compliant. New users get RM35 off their first purchase.

Flexible financing & security: Access the Atome Card for up to 40 days payment with no down payment, up to 12 months instalments, and Atome+ rewards. i-Cash offers up to RM15,000 with transparent fees starting from 1.5% per month. Atome is licensed, secure, and supports instant approvals with no minimum income required. Apply in minutes and shop with confidence.

User Growth & Download Statistics

App Payments Shopping E-Commerce

By:

APaylater Financial Pte Ltd

Downloads:

3,064,410 16.36K

Rating:

5.00

(138,859) 1,761 new ratings

Version:

0 Last updated: 2026-07-23

Publisher country:

Email:

de*****@apaylater.com

URLs:

Website ,Privacy policy

Full description:

Source:

Google Play Store

Data ingested on:

2026-08-02

Compare stats and ranking:

Ranking

# 33,717 ▲ 75

Other rankings

#91 in

Top app in Malaysia ▼ 37

Other platforms

Atome MY - Buy Now Pay Later (v2.154.0)

4.90

(173,278)

For Developers

Monetize with App Pass Boost with Extension Booster

Contact the developer

Chrome-Stats does not own this Android app. Please use these information below to contact the Android app developer.

Developed by:

APaylater Financial Pte Ltd

Google Play Store

https://play.google.com/store/apps/details?id=my.atome.paylater

Email:

de*****@apaylater.com

Website:

http://www.atome.my

User Reviews

Users appreciate the app's convenience, ease of use, and installment payment options that help with larger purchases. However, major issues include poor customer support, frequent technical glitches like sudden purchase restrictions or credit limit blocks without explanation, and harsh penalties for late payments. Voucher and discount usability problems also frustrate users. Transparency about system rules and credit limits is lacking, leading to confusion and dissatisfaction. Overall, while the app offers useful financing features, its service and reliability need significant improvement.

Pros

Easy to use and convenient for managing larger purchases.
Allows installment payments which help make buying expensive items affordable.
App has features like collecting points which some users appreciate.
Payment process within the app is straightforward when it works properly.
Some users experienced no bugs or issues during use.

Cons

Very poor customer service; unhelpful and often automated replies.
Frequent technical issues including inability to complete purchases, forced 90-day waiting periods, and unexplained credit limit restrictions.
Late payment penalties are very harsh and expensive, sometimes disproportionate to installment amounts.
Vouchers and discounts frequently fail to apply or get reset unnecessarily, causing user confusion and frustration.
Communication about credit limits and system decisions is vague or undisclosed, leaving users uninformed.

Recent reviews

good to use but the voucher seems like not everyone can use. please give more vouchers that easy can buy and affordable

Ka*****, 2025-02-02

A long list of atome deals with credit card ##3890. Why only this one stuck? Really unbelievable dan and I have to pay the late payment penalty which is very expensive