Atome Instalment

1. What is the Atome Instalment Plan?

The Atome Instalment Plan allows you to split your purchase into 3 or 6 monthly payments with 0% interest (for 3-month plans) or 1.5% interest per month (for 6-month plans). It’s a seamless and convenient way to shop for your desired items without paying the full amount upfront.

2. Who is eligible to use Atome?

To use Atome, you must:

Be at least 18 years old
Hold a locally issued debit or credit card
Have a valid and verifiable mobile number

Note for Android users: You are required to download the Atome app and complete the verification process before proceeding with payment.

3. How does the Atome payment process work?

a. At checkout, select Atome as your payment method.

b. New Atome users must first register via the Atome app and provide their payment details.

c. Existing users can simply log in to complete the transaction.

d. Choose between a 3-month (0% interest) or 6-month (1.5% per month) installment plan.

e. The first payment is charged immediately, with subsequent payments automatically deducted on the scheduled dates.

Plan	Duration	Service Charge
Pay in 3	3 months	0%
Pay in 6	6 months	1.5% per month

4. What are the transaction limits for Atome?

Minimum spend: RM 25
Maximum limit: Up to RM 5,000 (after discounts and credits applied)

Note: Spending limits may vary by customer based on account history and repayment behavior. New users may be assigned lower limits.

5. Can I return items if I paid using Atome?

Yes, returns are allowed as long as the item is eligible for return or exchange. Be sure to review ZALORA’s Return Policy to confirm item eligibility.

6. How will I be refunded if I paid using Atome?

Refunds will be credited back to your Atome account.
For exchanges, the amount will be refunded as ZALORA Wallet Credit by default. If you prefer the refund to go to your Atome account, contact our Customer Service Team.

Processing Time: ZALORA: Up to 5 working days Atome: Additional 5–7 working days for the amount to reflect on your card For some banks, the refund may appear in the next billing cycle.

7. How do I complete payment using Atome?

Add items to your bag and proceed to checkout.
Select your delivery address, then choose Atome as your payment method. You will be redirected to Atome’s secure platform.
Enter your registered phone number and verify using the OTP sent to you.
1. New users must register on the Atome app and provide required documents (e.g., National ID and card).
2. ZALORA does not collect or store this data.
Review your installment plan (payment schedule will be shown).
Choose your card for the first payment and confirm.
Once payment is approved, click “Back to Merchant” to return to ZALORA.

Note: Monthly instalments are paid directly to Atome. ZALORA is not responsible for the collection of these payments.