Atome
BNPLBuy now, pay later in 3 interest-free instalments
Integrate·Add it at checkout through its merchant integration, or via a gateway that bundles it.
On request
no comparable published rates · verified 2026-07-17 · official source
| FPX (online banking) | — |
|---|---|
| Card (local credit/debit) | — |
| E-wallet | — |
| DuitNow QR | — |
| BNPL | 3.5%–4.5% * |
| Setup fee | RM0 |
| Monthly / annual fee | Contact sales |
| Minimum transaction | — |
| Settlement | T+2–T+3 * |
Atome is one of Malaysia’s largest Buy Now, Pay Later providers, letting shoppers split a purchase into 3 interest-free instalments at checkout (pay 1/3 upfront, the rest over the following 60 days), with longer Pay-in-6/9/12-month plans also offered.
For merchants, Atome charges a per-transaction Merchant Discount Rate (MDR) and explicitly does not charge setup fees. The exact MDR percentage, any monthly fee, and the settlement period are not published. Atome directs merchants to contact its Business Development team for a tailored quote, so the merchant fee here is shown as “Contact sales”.
Integration is flexible: Atome supports no-code e-commerce plugins (e.g. Shopify and major payment gateways) as well as direct API integration. The only specific MDR figures circulating (roughly 3.5%–4.5%) come from a third-party comparison and should be treated as indicative only.