Atome ID - Buy Now Pay Later

Enjoy interest-free, flexible installments for in-store and online shopping

Atome, Southeast Asia's leading Buy Now, Pay Later platform, is revolutionizing the way Indonesians shop with new PayLater products. In addition to our popular 3-easy-payment, 0%-interest service at partner merchants, you can now pay in installments for online purchases over 12 months with Atome VA PayLater. Enjoy a spending limit of up to Rp20,000,000 for a seamless online shopping experience on e-commerce platforms like Shopee, Tokopedia, Agoda, TikTok, and more.

Shop Now, Pay Later - Discover the Atome Advantage

1. Atome VA PayLater

Enjoy 0% interest on your online purchases for up to 40 days when you pay your bill in full before your due date. This feature can be used on online shopping platform apps such as Shopee, Tokopedia, Agoda, Tiktok, Lazada, Blibli, Traveloka, Zalora, Ticket.com, Bukalapak, and MAP Club using your Atome limit of up to Rp20,000,000.

Aside from 12-month plans, installment options are also available for 3, 6, and 9 months. Plus, there are no admin fees or hidden charges to worry about.

To get started, all you need is:

- The latest version of the Atome app

- A few minutes to apply in-app

2. Buy Now Pay Later

Split your purchase into 3 interest-free payments or opt for more time with a small fee at our brand partners including Zara, Sport Station, Farmer's Market, Tokopedia, SOGO, Gojek, and more, where payments are automatically deducted from your preferred credit card or debit card — so you’ll never have to worry about missing a payment.

3. Manage bills at a glance

The Atome app does all the work for you so you’ll never miss a payment again. Easily check your credit bills, Atome VAPayLater transactions, cash loans, and payment history via the Atome app. You’ll also be informed whenever payments are due and when your payment cycle is complete.

Enjoy life more and maximize the convenience of installment payments by downloading the Atome app today!

How to shop with Atome VA PayLater

1. Browse and choose your purchases on supported online platforms.

2. At checkout, select Bank Transfer, then choose your preferred bank (virtual account).

3. Tap on Place Order to confirm. Copy the Virtual Account (VA) number provided to proceed with payment.

4. Select VA PayLater, then choose the merchant platform and bank. Paste the VA number you copied earlier.

5. Ensure that the payment amount and bank details match your transaction.

6. Once your payment is successful, you'll receive a notification in both the Atome app and the merchant platform.

How to pay with Atome Buy Now Pay Later

1. When shopping online, choose Atome as your payment method. If shopping in-store at partner merchants, scan the QR code at the cashier.

2. Choose from 3 interest-free payments, or opt for more time with a small service fee. All fees are clearly displayed in the app when you transact.

3. Pay the first installment at checkout. The remaining payments will be automatically charged monthly.

CONTACT US

Atome is dedicated to offering you the best shopping experience with our flexible payment solutions. Should you have any questions, please reach out to us at [email protected]. Leave us a rating and review on the app store and follow us on social media:

Official Website

Help Center: [email protected] or 021-50251717

Instagram

Whatsapp

This service is provided by PT Atome Finance Indonesia which is licensed and supervised by Otoritas Jasa Keuangan.