---
title: "Atome MY - Buy Now Pay Later - Отзывы, Доход и Загрузки приложения in Малайзия | Apple App Store"
description: "▶Pertandingan Rujukan: Jemput rakan memohon Kad Atome & menang iPhone 17 Pro Max!◀  Bayar di mana-mana sahaja dengan Atome Card Visa! Urus wang anda mengikut cara anda dengan aplikasi Kad Visa dan BNP"
---

# Atome MY - Buy Now Pay Later — Малайзия
> Kad Visa: Tanpa Yuran Tahunan

![Atome MY App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/83/ed/66/83ed663e-21fb-0576-9cd8-678d526f5615/AppIcon-0-0-1x_U007emarketing-0-8-0-85-220.png/434x0w.png)

**Developer:** [APayLater Financials Pte](https://apptail.io/ru/developer/apaylater-financials-pte-WObb) (Малайзия)
**Category:** Shopping
**Rating:** 4.9/5 (163,819 ratings)
**Price:** Free
**Bundle ID:** my.atome.paylater
**Store:** Apple App Store
**Country:** Малайзия
**Version:** 2.148.0 (released 2026-05-29)
**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/ru/app/atome-my-buy-now-pay-later-qckb/malaysia](https://apptail.io/ru/app/atome-my-buy-now-pay-later-qckb/malaysia)

## Atome MY Description
▶Pertandingan Rujukan: Jemput rakan memohon Kad Atome & menang iPhone 17 Pro Max!◀

Bayar di mana-mana sahaja dengan Atome Card Visa! Urus wang anda mengikut cara anda dengan aplikasi Kad Visa dan BNPL. Gunakan Atome Card anda di mana-mana sahaja Visa diterima di seluruh dunia—secara dalam talian, di kedai, atau di luar negara. Pecahkan pembelian kepada 3 bayaran mudah dengan 0% faedah melalui Atome PayLater, atau nikmati ansuran fleksibel sehingga 12 bulan. Pantas, selamat, dan patuh Syariah.
▶Baru di Atome? Nikmati potongan RM35 untuk pembelian pertama anda!◀
【Nikmati Atome Card: Bayar Kemudian Di Mana Jua】 
Pengalaman beli-belah lebih mudah dengan Atome Card. Nikmati kebebasan bayar kemudian di mana-mana Visa diterima, daripada keperluan harian sehinggalah percutian luar negara. Gunakan secara dalam talian, di kedai (termasuk kedai TikTok Shop terpilih), atau di luar negara dengan kelulusan digital segera.
- Ansuran Fleksibel — Sehingga 12 bulan, patuh Syariah sepenuhnya.
- Kelulusan Digital Segera — Mohon dalam beberapa minit; tanpa dokumen fizikal, tanpa had pendapatan minimum.
- Tanpa Yuran Tahunan — Kad Visa tanpa sebarang caj tersembunyi.
- Ganjaran Mata — Kumpul mata Atome+ bagi setiap transaksi kad.

【Menangi iPhone 17 Pro Max！】 
Suka menggunakan Atome Card? Kongsi dengan rakan anda dan menang besar!
- Rujuk & Menang: Jemput rakan untuk memohon Atome Card mereka.
- Lebih Ramai, Lebih Untung: Lebih banyak permohonan berjaya, lebih besar hadiah anda.
- Hadiah Utama: Peluang memenangi iPhone 17 Pro Max!

【Dapatkan Atome Card Anda】
Syarat Kelayakan:
- Warganegara Malaysia atau pemastautin tetap
- Berumur 18 tahun ke atas
- Pemegang akaun Atome yang aktif

【Cara Memohon:】
1. Buka aplikasi Atome → Tab “Card” → "Apply Now"
2. Hantar butiran peribadi dan muat naik ID anda
3. Selesai! Bayar di mana-mana sahaja dengan Kad Atome Visa maya/fizikal anda. (Kad fizikal mungkin mengambil masa lebih lama disebabkan isu penghantaran.)

【Beli Sekarang, Bayar Kemudian dengan Atome PayLater】 
Nikmati baucar harian, tawaran eksklusif, dan cabutan bertuah bulanan di 17,000+ jenama kegemaran di Malaysia dan antarabangsa. Pecahkan pembelian anda kepada 3 bayaran mudah untuk fesyen, kecantikan, teknologi, pelancongan, insurans & gaya hidup daripada jenama teratas termasuk ZALORA, Sephora, Samsung, Agoda, BJAK, dan Watsons.

【Akses Pembiayaan Fleksibel dengan Atome i-Cash】 
Atome i-Cash menawarkan pembiayaan yang pantas, selamat dan patuh Syariah di bawah prinsip Tawarruq. Akses sehingga RM15,000 untuk pelancongan, pendidikan, fesyen atau perniagaan.
- Had Pembiayaan Tinggi — Sehingga RM15,000 untuk keperluan peribadi atau gaya hidup.
- Permohonan Mudah — Mohon bila-bila masa dengan ID sahaja; kelulusan digital segera.
- Yuran Telus — Kadar keuntungan dari 1.5% sebulan, tiada caj tersembunyi.
- Penyaluran Pantas — Dana dikreditkan seawal 2 minit selepas kelulusan terus ke akaun anda.
- Bayaran Balik Fleksibel — Sehingga 12 bulan ansuran untuk pengurusan aliran tunai yang lebih baik. Nota: Kelayakan, had, dan masa kelulusan mungkin berbeza. Terma dan syarat ditetapkan.

【Cara Atome Berfungsi:】
- Beli-Belah di mana saja: Diterima di 17,000+ jenama dan di mana-mana Visa diterima.
- Checkout Mudah: Gunakan Atome Card anda atau pilih Atome sebagai kaedah pembayaran.
- Kelulusan Segera: Diluluskan dalam beberapa saat melalui aplikasi.
- Bayaran Fleksibel: Bahagikan pembelian anda kepada 3 atau sehingga 12 bayaran.

【Selamat & Terjamin】 
Atome dilesenkan dan dikawal selia di Malaysia, dikuasakan oleh penyulitan tahap bank dan perlindungan Visa Secure. Data peribadi, maklumat kad dan butiran transaksi anda dilindungi di setiap langkah.

【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 Малайзия
- 5 stars: 153,571 (94%)
- 4 stars: 5,471 (3%)
- 3 stars: 1,382 (1%)
- 2 stars: 443 (0%)
- 1 stars: 2,952 (2%)

## Atome MY Reviews in Малайзия

### *---- "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

### *---- "Always unable to process payment"
I just delay my last one payment and this app act like I never made my payment at all . Every time I want to buy something and end up the payment not process which I have no idea why like that . I try to contact the customer service thru online i cant reach them thru mails or any other way to . Like really the app is not useful at all and their customer support not responding at all
-- RVick0917, 2024-12-21

### *---- "send help"
i cannot use my atome hm
-- pinkeuuuuwuwuwu, 2024-12-20

### *---- "No solution"
I cannot use my atome but nobody help
-- Efamadey, 2024-12-17

### *---- "Cannot use it"
I always pay on time but this time i cannot use it . Always keep saying change my card or do not apply any voucher . Customer service also very not helpful . Im very sad abt this
-- Safirajohn, 2024-12-15

### *---- "90 days"
Hi team Atome, first of all your apps is good can make payment 3/6 months. Theres one thing I cannot accept its when I try to make payment, my payment always failed due to wait 90 days unable bla bla bla. OMG YOUR TEAM CANNOT DO SOMETHING OR NOT ?  p/s: pls other company open new apps similar to Atome ASAP
-- rzna.J, 2024-12-15

### ***** "TERBAIK LA SIAAAAAA"
3 kali bayar jngn smpai tak bayar ye ❤️
-- leksekabrads88, 2024-12-13

### *---- "The worker sooooo rude..definitely will closeeee this app soon!!!!!!!!!!!"
Rude emmployeeeeeeeee
-- NML296, 2024-12-12

### ***** "PAYMENT UNABLE TO GO THROUGH"
PLZ RECTIFY THIS ISSUE AS UNABLE TO MAKE PAYMENT VIA TIK TOK. UNABLE TO INCLUDE PIC IN THE COMMENT SECTION
-- Deshanisha, 2024-12-12

### ***** "Atom💗"
“Atome is a fantastic app with an excellent and well-organized system. Their customer service is outstanding—efficient, professional, and highly supportive. I’m truly impressed and delighted to use their service!”
-- J.Jothi, 2024-12-12

### *---- "LIMIT"
Limit 1499 tapi baru pakai 1100 dah kene try 90 day later . Apoo yop
-- Bapak ko hitam, 2024-12-11

[View all Atome MY reviews and detailed analytics on AppTail](https://apptail.io/ru/account/signup?utm_campaign=ai-crawl&utm_content=reviews)


## Atome MY Store Rankings
| Chart | Country | Category | Rank |
|-------|---------|----------|------|
| Топ бесплатных | Малайзия | Shopping | #4 |
| Топ бесплатных | Малайзия | Overall | #48 |

## Atome MY Discovered Keywords
- buy
- 000
- a
- sprit
- sj
- lazada
- splid
- finances
- shein
- easy

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## Atome MY Available In
- [Малайзия](https://apptail.io/ru/app/atome-my-buy-now-pay-later-qckb/malaysia)
- [Бруней](https://apptail.io/ru/app/atome-my-buy-now-pay-later-qckb/brunei)
- [Япония](https://apptail.io/ru/app/atome-my-buy-now-pay-later-qckb/japan)
- [Таиланд](https://apptail.io/ru/app/atome-my-buy-now-pay-later-qckb/thailand)

---

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