Atome is a new payment option at Affandy’s Lab that is available online and for in-app orders. Atome allows customers to shop now and pay for your purchase later in three equal interest-free instalments, due monthly. Think of Atome like a modern-day lay-by, except you can receive your order straight away for a third of the price.

To use the service, you must:

  • Be at least 18 years of age
  • Currently reside in Malaysia
  • Have a mobile phone number registered under your MyKad with your telco
  • Own a credit or debit card that will be used to pay for your purchases on Atome

You will not pay anything extra when you choose to use Atome as your payment option, as there is no interest added. Payments are automatically deducted from the credit/debit card registered. Atome will inform you of the debit via in-app notification and SMS prior to deduction.

  • Instant Approval
  • Min. Spend to use Atome is RM25 

Shop with Affandy’s Lab and choose Atome as your preferred payment method at checkout. The payment is split into 3 payments equally every 30 days. Make your first repayment (one-third of your bill) with your credit or debit card at the time of purchase and the rest over the next two months in two equal interest-free instalments. For example: The website is MYR 1,500. First month the payment deducted will be MYR 500, the second month MYR 500 and the last month you’ll clear the bill by paying MYR 500. It’s that easy.

We know it’s hard to believe, but there really isn’t one. The only cost that you might incur (apart from the price of your purchase) is a fixed late repayment fee that never snowballs.

Atome is a free service: there are no hidden service fees or interest charges if you pay all your scheduled instalments on time. That said, the merchant you’re shopping with may charge you additional fees for using Atome to pay – that’s between you and the merchant you’re buying goods from.

If you missed a scheduled payment, we will charge you an administration fee and freeze your account until the outstanding amounts are paid. To reactivate your account, we 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.

Your account will be frozen and you will be required to pay all outstanding amounts due plus an administrative fee:

Days Past Date: 2 Days – 50 MYR charged
Days Past Date: 8 Days – 25 MYR charged

  • Customer has to make full payment of all existing payments for their account to be reactivated
  • Should customer have any other concerns, please contact Atome support team or head over to Atome’s website.
  • App repayment: Go to your ATOME APP. Select “Check and Pay” overdue bills. Update your credit or debit card details.
  • Auto-Deduction: Deposit sufficient funds to the debit/credit card bound to your Atome account for auto deduction.
  • Bank Transfer
    Bank Name: OCBC Bank (Malaysia) Berhad
    Account Number : 710-131772-4
    Account Name: APAYLATER SDN. BHD.
  • To avoid delays in posting your payment, kindly leave your customer number or name in the “payment description” and send your proof of payment, name, and phone number to [email protected]
    Important Reminder: If you pay through PayNow or Bank Transfer, there would be a delay for matching your repayment to your outstanding balance. During this time, your total outstanding balance may be auto-debited from your nominated account if there is sufficient balance. If this happens, please contact us at [email protected] to process the refund of the overpaid amount.

Under normal circumstances, no, but if you are facing technical difficulties or other problems that prevent you from paying on time, though, please get in touch with Atome as soon as possible.

Read more about Atome’s terms and conditions here.

Grab users who are eligible for PayLater should be

1. 21 years and older
2. Platinum, Gold or Silver GrabRewards tier member, and
3. Have used either cash, credit or debit card for at least 3 Grab transactions in the recent months.

If you’re eligible for PayLater, you’ll be able to activate it in-app, or simply launch your Grab app, tap on Payments, tap on Enjoy Now and Pay Later under Explore GrabPay.

If you don’t see the PayLater option, we’re unfortunately unable to offer this service to you just yet. All approvals are subject to our internal review.

We are working towards providing the PayLater service to more users soon. Stay tuned!

Easily track if you’re earning GrabRewards points for your selected Grab payment method by checking it during the checkout flow. Get up to 3 GrabRewards points per RM1 spent for every PayLater transaction.

Look out for our various exciting promotions and merchant offers for great value at our merchant directory.

PayLater is a free service offered by retailers to you – there are no upfront fees charged or any interest accrued.

The only fee that may be incurred is admin fee to reactivate your suspended account for each missed payment. Your PayLater account may be suspended if you have overdue PayLater bill and you do not make any payments after being notified by us.

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