Atome vs SPayLater (ShopeePayLater)
Side-by-side fees and features for Malaysian merchants, from each provider's published pricing. For the full matrix including supported banks and e-wallets, open the interactive comparison.
At a glance
- Neither publishes comparable official rates; both quote on request.
Fees
 Atome |  SPayLater (ShopeePayLater) | |
|---|---|---|
| Est. fee / RM100 | On request | On request |
| FPX | — | — |
| Cards (local) | — | — |
| Cards (international) | — | — |
| E-wallets | — | — |
| DuitNow QR | — | — |
| BNPL | 3.5%–4.5% * | 4.5% (5% for 3-mo plans) |
| Setup fee | RM0 | RM0 |
| Monthly fee | Contact sales | RM0 |
| Settlement | T+2–T+3 * | Paid in full on order completion |
Est. fee / RM100 blends officially published rates (FPX/card/e-wallet 50/30/20). * = third-party figure, excluded from ranking. Fees change; confirm with the provider. Methodology
Features
| Access | Integrate | Integrate |
| Channels | BNPL | BNPL |
| No-code payment links | Yes | Yes |
| Developer API | Yes | Yes |
| Recurring billing | No | No |
| Webhooks | — | — |
| MCP (AI agents) | — | — |
| Plugins | — | — |