{
  "slug": "atome",
  "name": "Atome",
  "category": "bnpl",
  "website": "https://www.atome.my",
  "tagline": "Buy now, pay later in 3 interest-free instalments",
  "access": {
    "key": "integrate",
    "short": "Integrate"
  },
  "fees": {
    "fpx": "—",
    "card": "—",
    "ewallet": "—",
    "duitnowqr": "—",
    "bnpl": "3.5%–4.5% *",
    "setup": "RM0",
    "monthly": "Contact sales"
  },
  "est_fee_rm100": null,
  "rankable": false,
  "settlement": "T+2–T+3 *",
  "min_txn": "—",
  "channels": [
    "bnpl"
  ],
  "features": {
    "no_code": true,
    "api": true,
    "recurring": false
  },
  "methods": [],
  "banks": [],
  "mcp": "none",
  "webhooks": null,
  "plugins": [],
  "dev_docs": "https://doc.apaylater.com/v2/",
  "skill": null,
  "popularity": 75,
  "verified_date": "2026-07-17",
  "source": "https://help.atome.my/hc/en-gb/articles/4405623301145-How-much-will-it-cost-me-as-a-merchant"
}