Question 1

1. What are the payment methods for repayment?

Accepted Answer

App repayment:
Go to your ATOME APP. Select "Check and Pay" overdue bills. Update your credit or debit card details.
 
Auto-Deduction:
Deposit sufficient funds to the debit/credit card bound to your Atome account for auto deduction.

Question 2

2. Am I eligible to use the Atome service?

Accepted Answer

To use the service, you must:
- Be at least 18 years of age
- Currently reside in Malaysia
- Have a mobile phone number registered under your MyKad with your telco
- Own a credit or debit card that will be used to pay for your purchases on Atome

Question 3

3. How do I pay using Atome?

Accepted Answer

Shop with an Atome merchant partner and choose Atome as your preferred payment method at checkout. Make your first repayment (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. It’s that easy.

Please note that below is the credit limit imposed for checkout via Atome.
- Credit Card: MYR 6,000
- Debit Card: MYR 3,000

Question 4

4. Do customers have to pay any fees for using the Atome service?

Accepted Answer

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

Question 5

5. What happens if I miss a payment?

Accepted Answer

If you missed a scheduled payment, Atome will 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. In Malaysia, the maximum administrative fee is capped at RM150 per transaction.

Question 6

6. Where can I learn more about Atome?

Accepted Answer

For more information on Atome, please visit their website at Atome.my.(https://www.atome.my/) If you have any further questions regarding their services, please email them at support@atome.my(mailto:support@atome.my)

Debit Card Instalment Plan

Retail and Online Instalment Payment Options: