Atome is a buy now, pay later service that allows you to split your purchase into 3 payments with 0% interest and no service fees. This service is provided by Atome (Thailand) Co., Ltd., which is part of the KASIKORNBANK FINANCIAL CONGLOMERATE and has been invested in by Kasikorn Investure Co., Ltd.
You can use Atome at both online and offline stores once your account has been approved. When paying at an offline store, simply open the Atome app and scan the QR code at the cashier. For online shopping, select Atome as your payment method at checkout.
On the day of purchase, you will pay only one-third of the total amount. The second payment will be due 30 days later, and the third payment will be due another 30 days after that. As long as payments are made on time, there are no fees or interest charges. However, if you miss a payment, late interest of 0–15% per year will be applied based on the remaining outstanding amount and number of overdue days.
Atome is designed to give you more flexibility in your daily purchases, along with access to exclusive deals and discounts.