Atome (Singapore)
国家/地区: 新加坡 (SG) | 底层清算轨道: bnpl
BNPL
市场普及率: 45%
Atome 是新加坡及东南亚领军的先买后付（BNPL）与消费金融平台，在新加坡年轻消费群体、时尚零售与数码消费中占据主导地位，以三期零利息无息分期、秒级核准与绑卡/钱包自动代扣为特征，广泛用于服装鞋帽网购、高端数码及中大额电商结账。
🔄 用户付款交互流 (User 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
⚙️ 支付与结算特征
| 即时清算 | YES |
| 扫码支付 (QR) | YES |
| 订阅自动代扣 | YES |
| 退款支持 | YES |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- 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
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 Stripe🔌 Adyen