BUY NOW, PAY LATER WITH
Who is Atome?
Atome is an Asia leading buy now, pay later payment service provider that takes end-to-end responsibility for your payment. Launched in December 2019, Atome is pronounced as "A-Toe-Me" and stands for "Available to Me". They have partner over 2,000 leading online and offline retailers across fashion, beauty, lifestyle, fitness and homeware. Their service is available in Singapore, Malaysia, Indonesia, Hong Kong and mainland China.
How does Pay later in 3 interest-free instalments work?
Pay later in 3 interest-free instalments will allow you to spread the cost of your purchase over 3 equal payments. The payment for each instalment will automatically be collected from the debit or credit card you linked to your Atome Account. Your first instalment will be collected when your order is confirmed and instalments 2 and 3 are scheduled 30 and 60 days later, respectively. You can always monitor your payments’ schedule in the Atome app.
What are the benefits of using Atome?
-You don’t have to hold off on your purchases or chalk up a huge credit card debt to get what you want.
-Doesn’t matter if you don’t have a credit card, Atome take both debit and credit cards.
-You can save money on interest.
Am I eligible for Pay later in 3 interest-free instalments?
To use Pay later in 3 interest-free instalments you must be at least 18. You are also required to have debit or credit card under your name to link with your Atome App.
What do I need to provide when I make a purchase?
If you want to make a purchase with Atome using Pay later in 3 interest-free instalments, you'll need to create an account with Atome app which you can download from your App Store. During registration, you are required to provide your Full Name displayed on your Malaysia Identification card and upload a clear picture of your Malaysia Identification card. The last step will be linking a credit/ debit card under your name to the Atome App.
Will my account application accepted by Atome?
As long as you are over 18 and you have provided your full name with clear picture of your Malaysia Identification Card during the registration your application will be accepted.
normally, the application will be approved within 1-2 minutes time. If your picture of Malaysia Identification card is unclear during the process of registration, please make sure you delete and re-take a clearer picture, as your application will be decline by Atome.
if your application has been declined, you'll need to email Atome to complete your registration.
Will a credit search take place against me?
No. Atome are not integrated with any offcial credit scoring company in Malaysia. Atome do however have their own credit scoring algorithm.
What’s the amount I can split to 3months with Atome?
If you link debit card, Atome only allow total bill RM2,000 maximum
If you link credit card Atome only allow total bill Rm5,000 maximum
Will my Products be shipped out after Atome's first payment?
Yes, Items will be shipped out after your first payment (one-third of your bill)
What happens if I cancel or return my order?
No refunds or exchange can be made after you have purchase any products from STEALPLUG EST 2017, Please refer to our return & exchange policy on our website
What happens if I don’t pay for my 2nd & 3rd payment?
If you miss a scheduled payment, Atome will charge you an administration fee and freeze your account until the outstanding amounts are paid. To reactivate your account, Atome will charge a RM50 fee. If this reactivation fee and instalment is not paid within seven days, an additional RM25 fee will be charged. In Malaysia, the maximum administrative fee is capped at RM150 per transaction.
Can repayment date be pushed back?
Under normal circumstances, no, but if you are facing technical difficulties or other problems that prevent you from paying on time, please get in touch with Atome as soon as possible so they can provide you with the support that you need.
Is my payment information safe?
Payment information is processed securely by Atome. No card details are transferred to or held by STEALPLUG EST 2017. All transactions take place via connections secured with the latest industry standard security protocols.
I still have questions regarding Atome, how can I get in touch?
Visit Atome app or Atome Customer Service page for a full list of FAQ’s, live chat and telephone options.