Atome earns revenue by charging our partner brands (merchants) a small fee for each transaction made through our platform. This allows us to pay merchants the full amount upfront while giving Atome users the flexibility to pay over time.
For users, Atome is completely free to use — with zero interest and no service fees, as long as payments are made on time.
Our goal is to keep things simple, transparent, and fair — so you can shop now, pay later, and always stay in control.