Atome (Singapore)
Country: Singapore (SG) | Payment Rail: bnpl
BNPL
Market Adoption: 45%
Atome Singapore is Asia-Pacific's leading BNPL platform offering interest-free 3-installment payment plans with auto-debit.
🔄 User Payment Flow
- Customer selects Atome 3-Installments at checkout
- Checkout opens Atome app or web interface
- Customer approves 3-month plan and pays first 1/3 installment
- Merchant receives 100% order payout while Atome debits remaining 2 installments automatically
⚙️ Characteristics & Settlement
| Instant Payment | YES |
| Supports QR | YES |
| Supports Recurring | YES |
| Supports Refund | YES |
🛠️ Merchant Integration Steps
- Merchant API passes checkout payload to acquiring gateway (Stripe / Adyen / Atome API)
- PSP issues payment token and Atome checkout URL
- PSP receives Atome clearing webhook notification and confirms order status
🚀 Supported Payment Gateways & Acquirers (PSPs)
🔌 Stripe🔌 Adyen