Buy Now, Pay Later with Atome

Get What You Want Today. Pay Over Time.

Shop your favourite smartphones, gadgets and accessories from DirectD with Atome.

Enjoy a simple and convenient way to split your purchase into manageable payments, so you can get what you need today and spread your payments over time.

Shop Now with Atome

Why Choose Atome?

  • Flexible Payment Options

    Split your purchase into manageable payments and choose the payment option available to you at checkout.

  • Simple & Convenient

    Complete your purchase through Atome with just a few simple steps and manage your repayments directly from the Atome app.

  • Secure & Easy Payments

    Make secure payments and easily manage your upcoming instalments and payment history through the Atome app.

How It Works

  • 1 — Choose Atome

    Select Atome as your payment method at checkout.

  • 2 — Confirm Your Payment

    Log in to your Atome account and follow the instructions to complete your purchase.

  • 3 — Pay Over Time

    Enjoy your purchase and make the remaining payments according to your Atome payment schedule.

Frequently Asked Questions

Is my personal information safe when using Atome?

Yes. Atome uses security measures to protect your personal and payment information. For more details about how your information is handled, please refer to Atome's Privacy Policy and Terms & Conditions.

What happens if I miss an Atome payment?

If a scheduled payment is missed, your Atome account may be temporarily restricted and applicable late or administrative fees may be charged. Your account can be reactivated once the outstanding amount and any applicable fees have been settled.

For the latest information on applicable fees, please refer to Atome's current Terms & Conditions.

How can I make my Atome repayments?

You can manage and make your scheduled repayments directly through the Atome app using your registered payment method. Make sure your linked card has sufficient funds for automatic deductions.

What if my payment cannot be completed using my card?

If your scheduled payment cannot be processed, please update your payment method or follow the repayment instructions provided in the Atome app.

For assistance with an overdue payment, please contact Atome's customer support team directly.

Who is eligible to use Atome?

To use Atome, you must meet Atome's eligibility requirements. Generally, you must:

  • Be 18 years old or above.
  • Reside in Malaysia.
  • Have a Malaysian mobile number registered under your name.
  • Have an eligible credit or debit card.

Approval is subject to Atome's assessment and applicable eligibility criteria.

How do I pay with Atome?

At checkout, select Atome as your preferred payment method and follow the instructions provided.

For eligible 3-payment plans, your purchase can be split into three scheduled payments, subject to Atome's approval and applicable terms.

What instalment plans are available with Atome?

The available payment plans may vary depending on your eligibility, purchase amount and Atome's current offerings.

The available repayment period, applicable fees and payment schedule will be displayed before you confirm your purchase.

Are there any additional fees when using Atome?

For eligible interest-free payment plans, there are no interest charges when all scheduled payments are made on time.

However, applicable fees may vary depending on the selected payment plan or late payment. Any applicable charges will be shown according to Atome's terms before or during the transaction.

Can I request a refund for an Atome purchase?

Refunds are subject to DirectD's return and refund policy.

Once DirectD approves a refund, the refund will be processed according to the applicable Atome procedures. Depending on whether the refund is full or partial, your remaining instalments may be cancelled, adjusted or refunded accordingly.

You can check the status of your refund through your Atome account.

Can I change or postpone my Atome repayment date?

Repayment dates are generally determined by Atome and cannot normally be changed.

If you experience technical difficulties or another issue that prevents you from making your payment on time, please contact Atome's customer support as soon as possible for assistance.