--- title: "Atome MY - Buy Now Pay Later - Reviews, Revenue and Downloads in Malaysia | Apple App Store" description: "Atome ialah aplikasi patuh Syariah di Malaysia untuk membeli-belah, membayar dan mengurus ansuran—Kad Visa Atome, Atome PayLater di jenama rakan kongsi, dan pembiayaan untuk pengguna layak, semuanya d" --- # Atome MY - Buy Now Pay Later — Malaysia > Ansuran 12 Bulan, Kad Visa ![Atome MY App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/86/9d/07/869d0724-f00f-15ff-6b6d-eb978c5fdef5/AppIcon-0-0-1x_U007emarketing-0-8-0-85-220.png/434x0w.png) **Developer:** [APayLater Financials Pte](https://apptail.io/developer/apaylater-financials-pte-WObb) (Malaysia) **Category:** Shopping **Rating:** 4.9/5 (171,093 ratings) **Price:** Free **Bundle ID:** my.atome.paylater **Store:** Apple App Store **Country:** Malaysia **Version:** 2.152.1 (released 2026-07-13) **Original Release:** 2020-10-22 **Languages:** Malay, Indonesian, Chinese, English, Japanese, Thai, Vietnamese **App Store Link:** [Download on Apple App Store](https://apps.apple.com/my/app/app/id1533642823) **AppTail Page:** [https://apptail.io/app/atome-my-buy-now-pay-later-qckb/malaysia](https://apptail.io/app/atome-my-buy-now-pay-later-qckb/malaysia) ## Atome MY Description Atome ialah aplikasi patuh Syariah di Malaysia untuk membeli-belah, membayar dan mengurus ansuran—Kad Visa Atome, Atome PayLater di jenama rakan kongsi, dan pembiayaan untuk pengguna layak, semuanya dalam satu aplikasi. 【Nikmati Atome Card: Bayar Kemudian Di Mana Jua】 Atome Card ialah kad Visa anda dengan kredit perbelanjaan setelah diluluskan. Bayar kemudian di mana-mana Visa diterima, dari keperluan harian hingga perjalanan global. Guna dalam talian, di kedai (termasuk TikTok Shop terpilih) atau luar negara melalui permohonan mudah dalam aplikasi. - Ansuran fleksibel — Sehingga 12 bulan, patuh Syariah sepenuhnya - Kredit selepas kelulusan — Mohon dalam minit; kredit dan kad maya sedia guna setelah diluluskan - Tanpa yuran tahunan — Kad Visa tanpa caj tersembunyi - Ganjaran Atome+ — Kumpul mata melalui tugasan aplikasi dan kempen rujukan (MGM) 【Dapatkan Atome Card Anda】 Syarat kelayakan: - Warganegara Malaysia atau pemastautin tetap - Berumur 18 tahun ke atas - Pemegang akaun Atome aktif Cara memohon: 1. Buka aplikasi Atome, tab Card, klik Apply Now 2. Hantar butiran peribadi dan muat naik ID 3. Selesai! Setelah diluluskan, kredit perbelanjaan sedia—bayar kemudian dengan Kad Visa Atome maya atau fizikal. (Kad fizikal mungkin lambat sampai kerana penghantaran.) Mencari ansuran fleksibel atau pembiayaan peribadi? Mohon Kad Visa Atome dalam aplikasi; kredit dan Kad sedia setelah diluluskan. Pembiayaan tambahan bergantung kelayakan. Terma dan syarat terpakai. 【Beli Sekarang, Bayar Kemudian dengan Atome PayLater】 Baru di Atome? Potongan RM35 untuk pembelian pertama! Beli-belah di 17,000+ jenama kegemaran Malaysia dan antarabangsa. Di pedagang rakan kongsi, bahagikan pembelian kepada 3 bayaran dengan kadar keuntungan 0%—sesuai untuk fesyen, kecantikan, teknologi, pelancongan, insurans dan gaya hidup. Pilih Atome semasa checkout (tiada Kad Visa diperlukan). Jenama termasuk ZALORA, Sephora, Samsung, Agoda, BJAK dan Watsons. Untuk perbelanjaan di mana-mana Visa diterima, guna Kad Visa Atome dengan ansuran sehingga 12 bulan. 【Pembiayaan fleksibel dengan Atome i-Cash】 Atome i-Cash menawarkan pembiayaan pantas, selamat dan patuh Syariah di bawah prinsip Tawarruq untuk pengguna layak—untuk pelancongan, pendidikan, fasen atau perniagaan, tertakluk kelulusan. - Had pembiayaan tinggi — Sehingga RM15,000 (kelayakan terpakai) - Permohonan mudah — Mohon dengan ID; kelulusan digital dalam aplikasi - Kadar keuntungan telus — Dari 1.5% sebulan; tiada caj tersembunyi - Penyaluran pantas — Dana mungkin disalurkan seawal 2 minit selepas kelulusan - Bayaran fleksibel — Sehingga 12 ansuran Nota: Kelayakan, had, masa kelulusan dan ketersediaan produk mungkin berbeza. Terma dan syarat terpakai. 【Cara Atome Berfungsi】 - Kad Visa Atome — Bayar di mana-mana Visa diterima; ansuran sehingga 12 bulan untuk perbelanjaan layak - Atome PayLater — Checkout rakan kongsi: 3 bayaran (kadar keuntungan 0% di pedagang terpilih) - Atome i-Cash — Pembiayaan patuh Syariah dalam aplikasi jika layak; kelulusan dan had berbeza 【Selamat dan Terjamin】 Atome dilesenkan dan dikawal selia di Malaysia, dengan penyulitan tahap bank dan perlindungan Visa Secure. Data peribadi, maklumat kad dan transaksi anda dilindungi. 【Pertandingan Rujukan】 Jemput rakan memohon Kad Atome dan rebut peluang memenangi iPhone 17 Pro Max! - Rujuk dan menang — Jemput rakan memohon Kad Atome - Lebih ramai, lebih untung — Lebih banyak kelulusan berjaya, lebih besar peluang - Hadiah utama — iPhone 17 Pro Max 【Hubungi Kami】 Email: support@atome.my Website: Facebook: Instagram: LinkedIn: YouTube: ## Atome MY Screenshots - [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/05/ac/16/05ac16d4-eeb6-41e2-7f1c-fcba62c1d227/Frame_iOS_1.png/1320x2868.png) - [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/89/00/49/890049b2-bdc9-d3f1-a213-c9a543c5f646/Frame_iOS_2.png/1320x2868.png) - [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/cb/83/0a/cb830a0f-a5d2-8e5b-25ab-2deb76496ec6/Frame_iOS_3.png/1320x2868.png) - [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/5a/e4/17/5ae41765-6744-de11-c890-30a0b409ec83/Frame_iOS_4.png/1320x2868.png) - [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/e8/af/f1/e8aff11e-8ad7-9f67-b7e1-f579fcf57adc/Frame_iOS_5.png/1320x2868.png) - [Screenshot 6](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/fd/e0/e6/fde0e6e1-8498-93e3-81fa-c6a5c2a29d59/Frame_iOS_6.png/1320x2868.png) - [Screenshot 7](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/26/f1/05/26f1051e-4cdc-81aa-f8d5-aeab5ba7693b/Frame_iOS_7.png/1320x2868.png) - [Screenshot 8](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/89/2c/30/892c30a5-ad60-7da4-af5d-4fa4120166a4/Frame_iOS_8.png/1320x2868.png) ## Atome MY Rating Breakdown in Malaysia - 5 stars: 160,329 (94%) - 4 stars: 5,719 (3%) - 3 stars: 1,444 (1%) - 2 stars: 475 (0%) - 1 stars: 3,126 (2%) ## Atome MY Reviews in Malaysia ### *---- "Poor" Riba!! -- Ya saya kenapa, 2024-12-31 ### ***** "Atome pay later" Very flexible and easy -- Vkmuru, 2024-12-31 ### ***** "Bad customer service" Very Rude customer service personel. Charge RM30 even sehari lewat. Ah long ke apa?! -- Zaly Lj, 2024-12-30 ### **--- "Penalty" the additional fee n penalty fee is crazy like you atleast charge rm10/day and thats okay. RM20+ for penalty is crazy man. its only 1 day late. -- hdjddhsjshajshsjskaj, 2024-12-26 ### *---- "Ridiculous amount of late payment charge." Had paid all payment pass few month. Just this month auto payment fail and it late payment charges is more than my purchase amount. It’s not logical. -- Nice track, 2024-12-26 ### *---- "Scammed user payment gateway issue but charged the customer a massive penalty." DONT USE IY -- hanz issac, 2024-12-25 ### *---- "Miss" Cannot use . 👎🏻👎🏻👎🏻👎🏻👎🏻 . So bad -- Hanyatiger, 2024-12-25 ### *---- "Can’t use it anymore" No more pending payment but cannot use it anymore even already waiting for 90days -- mellee531, 2024-12-25 ### *---- "not so fair" tidak mesra pelanggan.. collection team mintak bayaran bila kita kasi due date bila boleh nk bayar.. dia ugut pulak nk block terus kalau tk byr segera.. im loyal atome user.. belum sampai due date time dh terus block kita dalam system.. un fair.. teruk -- tahpapeatome, 2024-12-24 ### *---- "Great in times of need but…" Great option in times when you don’t have a lump sum of money to pay for something but the late charges, even if the payments exceeds less than a day doesn’t really make sense and the way they reach out to you is like you haven’t paid your car instalment for 3 months. -- Brekky182, 2024-12-23 [View all Atome MY reviews and detailed analytics on AppTail](https://apptail.io/account/signup?utm_campaign=ai-crawl&utm_content=reviews) ## Atome MY Store Rankings | Chart | Country | Category | Rank | |-------|---------|----------|------| | Top Free | Malaysia | Shopping | #3 | | Top Free | Malaysia | Overall | #49 | ## Atome MY Discovered Keywords - buy - 000 - a - sprit - sj - lazada - splid - finances - shein - easy ## Apps Similar to Atome MY - [Guardian MY](https://apptail.io/app/guardian-my-HSjb/malaysia) - [Hargapedia - Banding Harga!](https://apptail.io/app/hargapedia-banding-harga-ackb/malaysia) - [eco-shop MY](https://apptail.io/app/eco-shop-my-sckb/malaysia) - [Manjaku: Everything #MumToBaby](https://apptail.io/app/manjaku-everything-mumtobaby-emkb/malaysia) - [POH KONG Jeweland](https://apptail.io/app/poh-kong-jeweland-fmkb/malaysia) - [PGMall - Shop Share Earn](https://apptail.io/app/pgmall-shop-share-earn-gmkb/malaysia) - [PriceCatcher](https://apptail.io/app/pricecatcher-Inkb/malaysia) - [UNIQLO Malaysia](https://apptail.io/app/uniqlo-malaysia-Jnkb/malaysia) - [VIPSHOP唯品会](https://apptail.io/app/vipshop-iyek/malaysia) - [MyKasih](https://apptail.io/app/mykasih-TCbp/malaysia) ## Atome MY Available In - [Malaysia](https://apptail.io/app/atome-my-buy-now-pay-later-qckb/malaysia) - [Brunei](https://apptail.io/app/atome-my-buy-now-pay-later-qckb/brunei) - [Japan](https://apptail.io/app/atome-my-buy-now-pay-later-qckb/japan) - [Thailand](https://apptail.io/app/atome-my-buy-now-pay-later-qckb/thailand) --- ## About AppTail [AppTail](https://apptail.io) is a mobile app intelligence platform providing app analytics, ASO (App Store Optimization) tools, keyword tracking, competitor analysis, revenue estimates, and review monitoring for iOS App Store apps. Track your app's performance, discover ranking keywords, monitor competitors, and analyze market trends. - [Search Apps](https://apptail.io) - [Top Charts](https://apptail.io/top-iphone-apps) - [Sign Up for Full Access](https://apptail.io/account/signup?utm_campaign=ai-crawl&utm_content=footer) *Data provided by [AppTail](https://apptail.io) - Mobile App Intelligence Platform*