Atome

Features
Method	BNPL, Async - GET Redirect
Merchant countries	Malaysia
Consumer countries	Malaysia
Processing currencies	MYR, PHP, SGD, THB
Increments	-
Captures	-
Partial/Multiple partial captures	-
Cancels	-
Partial/Multiple partial cancels	-
Refunds	✅
Partial/Multiple partial refunds	✅
Recurring	-
Installments	-
Credits	-
Disputes	-
Min Amount	10.01
Account verification	-

Atome is a buy now, pay later (BNPL) payment solution that allows consumers to split their purchases into interest-free installments. Consumers can pay over 3 months without any interest or hidden fees, making purchases more affordable and accessible across Southeast Asian markets.

Payment flow

Payment

Request

{
    "processingAccountId": "2HdN2jq6XWmlkhqRC2gDTNYCvNH",
    "merchantReference": "B2A8734D-9450-4915-A63D-FE5C21F09550",
    "amount": {
        "value": 20,
        "currency": "sgd"
    },
    "paymentMethod": {
        "type": "atome",
        "atome": {
            "returnUrl": "https://merchant.site/complete-payment"
        }
    }
}

Response

{
    "id": "27yifrD5U15pXDH9O2PCcowlRFR",
    "merchantReference": "B2A8734D-9450-4915-A63D-FE5C21F09550",
    "status": "pending",
    "trackingUrl": "/v1/tracks/payments/{trackId}",
    "reason": {
        "code": "required_next_step",
        "description": "An additional step is needed to complete the payment."
    },
    "nextStep": {
        "type": "redirect",
        "redirect": {
            "method": "get",
            "url": "https://payment.method/complete"
        }
    }
}