Atome

What Atome does

Atome is a Singapore-based digital consumer financing platform operating as the core consumer brand of Advance Intelligence Group (founded 2016; Atome launched 2019). It offers Buy Now, Pay Later installment payments, the Mastercard-powered Atome Card (Visa prepaid), Indonesia's Kredit Pintar digital lending platform, the Atome+ loyalty program, and in-app bill payments via Bayad. The platform serves mobile-first Gen Z and millennial consumers across 10 Asian markets (Singapore, Malaysia, Philippines, Indonesia, Thailand, Vietnam, and Greater China) through 2,000-5,000+ online and offline retail partners spanning fashion, beauty, electronics, travel, F&B, and lifestyle categories. It holds MAS In-Principle Approval as a Major Payment Institution under Singapore's Payment Services Act 2019 (license PS20200511).

Name

Atome

Legal name

Apaylater Financials Pte. Ltd.

Website

https://www.atome.sg

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Atome is a Singapore-based digital consumer financing platform offering interest-free BNPL installments, the Mastercard-powered Atome Card, and Indonesia's Kredit Pintar lending platform across 10 Asian markets, serving mobile-first Gen Z and millennial consumers and thousands of retail merchants.

Ownership category

akta.pro rank

Product category

Buy Now Pay Later (BNPL) / Consumer Digital Financing

NAICS

Sales Financing (52222), Sales Financing (522220), Credit Card Issuing (52221), Other Nondepository Credit Intermediation (52229)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

BNPL Consumer Apps & Wallets (Discovery, Management) (FSAGAIAG)

akta.pro secondary industries

Buy Now, Pay Later (BNPL) Platforms (BPAMAFAG), BNPL Card / Virtual Card Programs (FSAKACAC), BNPL for High-Ticket / Longer-Term Installments (FSAKACAN), Buy Now, Pay Later (BNPL) (CRAFALAD)

Keywords

• Buy now pay later
• Consumer installment lending
• Digital payment platform
• Embedded finance services
• Mobile commerce financing

Headquarters

HQ city

Singapore

HQ country

Singapore

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Transaction/Merchant Fees: Atome earns revenue from merchant partners when consumers use Atome's BNPL service at checkout. Merchants pay a fee for offering the installment option, which drives higher conversion and average order values.
2. Late Payment Fees: Atome charges a $15 administration fee to reactivate accounts when users miss scheduled payments. This provides a secondary revenue stream from users who fail to pay on time.
3. Extended Payment Plans: Users can opt for more time with a small processing fee for extended payment plans beyond the standard 3 interest-free installments.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels7 records

Core offering

Atome provides a Buy Now, Pay Later (BNPL) digital financing platform that allows consumers to split purchases into 3 interest-free installments at partner retailers, both online and in physical stores, across Southeast Asia. The service is accessible via a mobile app where users register, get approved within minutes, and pay 1/3 of the bill upfront with two additional payments due 30 days apart at 0% interest. Atome also offers the Atome Card (Mastercard-powered prepaid), embedded finance APIs for merchants, and the Atome+ loyalty rewards program.

Product overview

Atome is a Singapore-based digital consumer financing platform offering a multi-product portfolio under Atome Financial, part of Advance Intelligence Group. The core offering is the BNPL platform enabling interest-free 3-payment installments at over 2,000 online and offline retail partners. This is complemented by the Mastercard-powered Atome Card (Visa prepaid) for broader acceptance, Kredit Pintar (Indonesia digital lending), the Atome+ loyalty rewards program, and in-app bill payment services. The platform serves Southeast Asian and Greater China markets with a focus on financial inclusion for underbanked consumers.

Differentiator

Problem solved

Functional benefit

Brands

• Kredit Pintar: Indonesia's leading digital lending platform operated under Atome Financial
• Atome+

Products and services

• Atome BNPL (Buy Now, Pay Later) Core BNPL platform allowing shoppers to split purchases into 3 interest-free payments at thousands of online and offline retailers across Southeast Asia, with no hidden fees or service charges. Pay 1/3 upfront, then two more payments 30 days apart at 0% interest.
• Atome Card Mastercard-powered Visa prepaid card enabling installment payments at any merchant accepting Visa worldwide. The card offers interest-free repayment periods with installment options up to 12 months and has been issued to over two million users in the Philippines, with approximately 80% being first-time cardholders.
• Kredit Pintar Indonesia's leading digital lending platform under Atome Financial, providing digital consumer loans and financial services to underbanked populations in Indonesia.
• Atome+ Loyalty Program Loyalty rewards program allowing users to earn 1 Atome+ point for every S$2 spent. Points can be redeemed for rewards, used to offset shopping, or transferred to travel loyalty programs. Includes exclusive privileges such as early-access to sales, dining experiences, and entertainment rewards.
• Atome Embedded Finance Services Embedded finance capabilities enabling BNPL and digital lending integration into merchant platforms and e-commerce ecosystems, with developer API and JavaScript SDK accessible via the partner portal.

Quantifiable outcome

• 70% of Atome shoppers are mobile-first, digital savvy Gen Z and millennials
• +2 more outcomes

Named customers17 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• BayadcoreTechnology or Integration · 27 April 2026Partnership with Bayad, Philippines' largest bill payment aggregator, enables in-app utility payments (water, electricity, internet, government) for Atome users with access to 120,000+ physical touchpoints.
• Jollibee Foods CorporationcoreStrategic or Co-development Partner · 18 March 2026Year-long partnership enabling Atome Card acceptance at over 1,300 Jollibee stores nationwide in the Philippines, providing flexible payment options to restaurant customers with approximately 80% of cardholders being first-time users.
• Maya BankcoreStrategic or Co-development Partner · 1 January 2025US$48 million partnership with Philippines' Maya Bank supporting digital lending expansion and card services.
• Kredit PintarcoreOthers · 7 July 2022Kredit Pintar is Atome Financial's Indonesia-based digital lending platform, with Standard Chartered extending up to US$70 million in loans through the partnership.
• TikTok ShopminorChannel Partner/ Reseller/ DistributorTikTok Shop partnership in Malaysia enables BNPL payments for social commerce transactions on the platform.
• MastercardcoreTechnology or IntegrationMastercard powers the Atome Card, a Visa prepaid card issued in the Philippines enabling Pay Later Anywhere functionality at any Visa acceptance point.

Scale indicators14 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Klarna: Global BNPL leader offering pay-in-installments solutions at online checkout. Directly comparable to Atome in product offering (interest-free installments) and target market (digital-savvy consumers), though Klarna focuses on Western markets while Atome targets Southeast Asia.
• Kredivo: Indonesia-focused BNPL and digital lending platform serving underbanked consumers with pay-later and personal loan products. Directly comparable to Atome as a BNPL provider in the same SEA geography with similar financial inclusion thesis.
• Akulaku: SEA-focused BNPL and digital finance platform operating in Indonesia, Philippines, and Vietnam. Directly competes with Atome in same geographies with similar installment-based consumer financing model targeting unbanked populations.
• BillEase: Philippines-based BNPL and personal finance platform offering installment payments at online and offline merchants. Direct competitor to Atome in Philippines market with similar merchant partnership model and consumer base.
• Tabby: Middle East-focused BNPL platform offering interest-free installment payments. Comparable to Atome in BNPL product model, target customer (digital-first consumers), and emerging market focus, though operating in different geography.
• Grab PayLater: BNPL offering within Grab super-app providing pay-in-4 installments across SEA. Direct competitor to Atome with significant distribution advantage through Grab's ride-hailing and food delivery platform reaching millions of SEA consumers.
• Cashalo: Philippines-based BNPL and digital lending platform operated by Oriente Express Techsystem. Direct competitor to Atome in Philippines with similar underbanked consumer focus and merchant installment offerings.
• Splitit: Global BNPL platform enabling installment payments using existing credit cards. Comparable BNPL product offering with installment payment focus, though smaller scale and different geographic focus than Atome.
• Affirm: US-focused BNPL platform offering pay-over-time solutions at checkout. Comparable product model (installment-based consumer financing) and merchant integration approach, though operating in different geography with longer-duration loans than Atome's 3-payment model.

Regional players

• PayPay: Japan's leading mobile payment service with BNPL capabilities through PayPay Later. Comparable to Atome as a digital payment platform with BNPL features, though operating primarily in Japan rather than SEA markets.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCgRFa6jWxTMTja_BOSQcggQ
• Facebookfacebook.com/atomesg
• LinkedInlinkedin.com/company/atomesg
• Instagraminstagram.com/atome.sg
• Xx.com/atomesg

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries1 record

Funding overview

Funding rounds11 records

Investors14 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Atome