Atome FAQs

Atome with Hobime Toy Shop

What is Atome?

Atome is a “buy now, pay later” mobile app that splits your bill into three equal payments over three months. The mobile app is free to download and free to use for consumers: Atome charges zero interest and zero service fees. After downloading our mobile app and setting up your account, scan an Atome QR code to pay if you’re at a shop or choose Atome as a payment option when you’re on a merchant’s website.You pay 1/3 of the total bill on the spot. The second payment will be due 30 days later, and the third, the following month.

Where can I use Atome?

Use Atome to pay anywhere you see the Atome QR code or visit our merchant store directory on our website or mobile app. You may also see Atome listed as a payment option at a merchant’s website.

Does Atome protect my personal information?

Yes, shopping with Atome is a safe and secure shopping experience. Find out more about how Atome protects your personal information in our terms and conditions and our privacy policy.

I don’t live in Philippines, does it mean I can’t use Atome?

You can use Atome to pay as long as you link a Philippines-issued credit or debit card to your Atome mobile app when setting up your account. The purchase also has to be in NTD currency.

Am I eligible to use the Atome service?

To use the service, you must:
- Be at least 18 years of age
- Currently reside in Philippines
- Have a mobile phone number registered with your telco
- Use a Philippines credit or debit card to make the purchase.

How do I pay using Atome?

After downloading our mobile app and setting up your account, scan an Atome QR code to pay if you’re at a shop or choose Atome as a payment option when you’re on a merchant’s website.

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, though, please get in touch with us as soon as possible so we can provide you with the support that you need.

What happens if I miss a payment?

If you missed a scheduled payment, we will charge you an PH₱300 administration fee and freeze your account until the outstanding amounts are paid. To reactivate your account, please pay all the outstanding amounts and the PH₱300 administration fee.