Monday 24th January 2022



With Atome, you can purchase now and split your purchase into 3 interest-free payments utilizing credit or debit card.

1. App repayment

Go to your ATOME APP. Choose “Check and Pay” overdue bills. Update your credit or debit card informations.


Deposit adequate funds to the debit/credit card bound to your Atome account for auto deduction.

Bank Transfer

  • Bank Name: OCBC Bank (Malaysia) Berhad
  • Account Number: 710-131772-4
  • Account Name: APAYLATER SDN. BHD.

To avoid delays in updating your payment, kindly leave your number or name in the “payment description” and send your proof of payment, name, and phone number to [email protected]

Important Reminder: If you pay through PayNow or Bank Transfer, there would be a delay for corresponding your repayment to your outstanding balance. During this time, your total outstanding balance may be auto debited from your nominated account if there is sufficient balance. If this happens, please contact us at [email protected] to process the refund of the overpaid amount.

To be eligible, you must:

– Be at least 18 years of age

– Resides in Malaysia

– Possess a mobile phone number registered under your MyKad with your telco

– Have a credit or debit card that will be used to make the payment on Atome

Shop with an INSTAG SOFTWARE in-store and choose Atome as your preferred payment method at checkout. Make your first payment (one-third of your bill) with your credit or debit card at the time of purchase and the rest over the next two months in two equal interest-free instalments. Easy peasy 🙂

Atome is a free service: there are no hidden service fees or interest charges if you pay all your scheduled payments on time.

Atome would charge you an administration fee and freeze your account until the outstanding amounts are paid. To reactivate your account, Atome will charge a RM50 fee. If this reactivation fee and instalment is not paid within seven days, an additional RM25 fee will be charged (by Atome). In Malaysia, the maximum administrative fee is capped at RM150 per transaction.

Under usual circumstances, no, but if you are facing technical difficulties or other problems that prevent you from making the payment on time, though, please get in touch with Atome as soon as possible so Atome can provide you with the support that you need. For any issue, you may contact [email protected]

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