Atome
Atome is one of Southeast Asia's leading digital consumer financing platforms. Short for "Available to Me", Atome offers shoppers flexible payment solutions at popular online and offline retailers across categories like fashion, beauty, lifestyle, travel, fitness and homeware.
Properties
The following tables list the product properties supported by Atome (MY) and Atome (SG):
Atome (MY)
Payment type | Buy now pay later | ||
Funding source | Credit card, debit card, online banking (FPX) | ||
Acquirer | AntomSG, AntomHK, AntomEU, AntomUK, AntomUS | Merchant entity location | SG, HK, EEA, UK, US |
Payment flow | Redirect | Refund | ✔️ |
Buyer country/region | Malaysia | Partial refund | ✔️ |
Processing currency | MYR | Chargeback/Dispute | ✔️ |
Minimum payment amount | 10 MYR | Time to return payment result | Real-time |
Maximum payment amount | Unlimited | Refund period | 365 days |
Atome (SG)
Payment type | Buy now pay later | ||
Funding source | Credit card, debit card | ||
Acquirer | AntomSG | Merchant entity location | SG |
Payment flow | Redirect | Refund | ✔️ |
Buyer country/region | Singapore | Partial refund | ✔️ |
Processing currency | SGD | Chargeback/Dispute | ✔️ |
Minimum payment amount | 1.5 SGD | Time to return payment result | Real-time |
Maximum payment amount | Unlimited | Refund period | 365 days |
User experience
Note: The following payment flows on different terminals are reference only, and represent this payment method's flow on different terminal types. For supported merchants' terminal types, consult Antom Technical Support.
The following figures show the journey of paying with Atome:
App/WAP
- The buyer selects Atome for payment on the merchant's checkout page.
- The buyer is directed to the Atome page.
- The buyer chooses to use the Atome app or log in with their Atome phone number to make the payment.
- If the buyer chooses to use the Atome app, they will be redirected to the Atome app and complete the payment; if they choose to log in with their Atome phone number, the payment will be completed after identity verification.
- The buyer is redirected back to the merchant result page.
Web/H5
- The buyer selects Atome on the merchant's checkout page to pay.
- The buyer scans the Atome payment QR code displayed on the merchant's page using the Atome app on their mobile phone.
- The buyer confirms the payment information on the mobile phone and completes the payment.
- The buyer is redirected back to the merchant result page.
Supported online payment integrations
Antom offers a range of integration options tailored to each payment method. Each payment method may support different online payment integration options, allowing for flexibility based on your business requirements. The table below provides detailed information about the specific integrations available for each payment method:
Supported online payments | Supported integrations |
One-time Payments | ❌ Payment links |
Tokenized Payment | ❌ |
Subscription Payment | ❌ |
EasySafePay | ❌ |
Scan to Link | ❌ |