Introduction

Buy Now, Pay Later (BNPL) is booming across Asia, with transactions growing rapidly in recent years. BNPL has become a key payment method for businesses seeking to offer flexible options to increasingly savvy and mobile-first consumers. For businesses in Asia, integrating Atome BNPL into in-store checkout systems represents a significant opportunity to capture the growing demand for flexible payment options. While several providers compete in the BNPL space, our recommended solution remains HitPay—with its single integration approach unlocking access to over 700 local payment methods across the region. This comprehensive guide explains how to enable Atome through HitPay's platform, map repayment schedules in your POS system, and reconcile BNPL payouts—while illustrating the potential lift in average order value that businesses experience.

Understanding Atome's Market Position in Asia

The BNPL Landscape

Atome operates throughout Asia and has established itself as a major player in the region's BNPL space. The service allows customers to pay in three interest-free installments while merchants receive full upfront payment—thus eliminating common cash flow concerns. With its appeal particularly strong among younger consumers, Atome serves digitally-savvy Gen Z and Millennial shoppers who increasingly prefer flexible payment options over traditional credit.

Regulatory Environment

Recent legislative moves across several Asian markets—such as consumer credit reforms—are reshaping the BNPL industry. New regulatory frameworks are designed to create safer financial environments and add additional consumer protection, thereby fostering market legitimacy. These changes make it even more important for businesses to partner with trusted platforms like HitPay, which ensures seamless compliance updates as regional regulations evolve.

HitPay's Atome Integration: Technical Implementation

Single Integration Advantage

HitPay remains the recommended one-stop solution, providing access to Atome along with other BNPL options through a single integration. This unified approach significantly reduces development time and maintenance overhead for retailers. With just one simple integration, businesses throughout Asia can unlock a vast network of local payment methods—making HitPay the most affordable and comprehensive solution for local payment acceptance in the region.

Integration Steps

Step 1: Account Setup

• Register for a HitPay merchant account at hitpayapp.com

• Complete the required verification process for your business

• Access the dashboard to configure payment methods

Step 2: Enable Atome

• Navigate to Payment Methods in your HitPay dashboard

• Enable Atome from the available BNPL options

• Configure transaction limits and merchant settings

Step 3: POS Integration

• Install HitPay's POS system or integrate via API

• Configure Atome as a payment option in your checkout flow

• Test transactions in sandbox mode before going live

Step 4: Staff Training

• Train staff on the Atome checkout process

• Ensure understanding of customer eligibility requirements

• Practice handling declined transactions and customer queries

API Implementation

For custom POS systems, HitPay offers comprehensive developer APIs that support Atome integration. The API enables your business to accept various forms of payments—including BNPL—through a simple integration process.

The API integration documentation provides detailed guidance for developers to incorporate Atome into your custom checkout solutions.

Mapping Repayment Schedules in Your POS

Understanding Atome's Payment Structure

Atome offers flexible payment options that let customers pay in three interest-free installments. Despite the installment plan for customers, merchants receive full upfront payment. This arrangement not only offers convenience to shoppers but also removes cash flow challenges for retailers.

POS Configuration Requirements

Transaction Recording

• Record the full transaction amount immediately upon Atome approval

• Tag transactions with "Atome BNPL" for easy identification

• (Optionally) Store customer installment schedules for reference

Inventory Management

• Process inventory deduction immediately upon payment confirmation

• Handle returns and refunds using Atome's merchant portal

• Maintain standard fulfillment processes

Reporting Integration

• Separate BNPL transactions in daily sales reports

• Track conversion rates for Atome versus other payment methods

• Monitor average order values for BNPL customers

Sample POS Workflow

Fee Structure and Cost Analysis

HitPay's Transparent Pricing Model

HitPay offers a transparent pricing model based on a pay-per-transaction approach with no setup or monthly fees. By using HitPay, businesses only incur costs for successful transactions, making it both an attractive and risk-mitigated solution for SMEs across Asia. Unlike some providers that require fixed fees or display hidden charges, HitPay’s model is simple and straightforward—ensuring that you get the most affordable pricing available without surprises.

Cost-Benefit Considerations

Direct Costs:

• Transaction processing fees apply based on successful Atome payments

• Minimal integration development time thanks to HitPay’s unified platform

• Initial staff training and ongoing support

Revenue Benefits:

• Increased conversion rates thanks to payment flexibility

• Higher average order values through the spread of purchase costs

• Expanded customer base among younger, digitally oriented consumers

• Reduced cart abandonment rates

Reconciling BNPL Payouts in Xero

Automated Reconciliation Setup

HitPay offers seamless integration with Xero through dedicated accounting plugins, supporting automated reconciliation of BNPL transactions. With these e-commerce and accounting plugins—for platforms such as Shopify, WooCommerce, Wix, and Magento—the process of reconciling BNPL payouts becomes efficient and error-free.

Xero Integration Steps

Step 1: Connect HitPay to Xero

• Install the HitPay Xero plugin from the Xero App Marketplace

• Authorize the connection between your HitPay and Xero accounts

• Configure automatic sync settings

Step 2: Chart of Accounts Setup

• Create specific accounts for BNPL transactions

• Set up tracking categories for different payment methods

• Configure tax settings as required by local regulations

Step 3: Automated Reconciliation

• Enable automatic transaction import from HitPay

• Set up bank feed reconciliation for payouts

• Configure matching rules for Atome transactions

Customer Demographics and Targeting

Atome User Profile

HitPay’s integration with Atome is tailored to help merchants reach a substantial base of BNPL users across Asia. A large portion of Atome users are digital-native Gen Z and Millennials—making the solution particularly valuable for retailers in fashion, electronics, lifestyle, and similar sectors that attract younger shoppers.

Market Behavior Insights

Surveys indicate that a high percentage of BNPL users rely on these services for both convenience and financial management. This trend shows that BNPL services are not just for spontaneous purchases but also work as a trusted method for planned expenses—making them a must-have for modern retailers seeking enhanced customer engagement.

Implementation Best Practices

Staff Training Requirements

Customer Service Excellence:

• Clearly explain Atome's three-installment structure

• Handle eligibility questions and declined transactions with professionalism

• Understand refund and return processes for BNPL purchases

Technical Proficiency:

• Ensure smooth navigation of the POS system with Atome integration

• Troubleshoot common payment processing issues

• Process manual transactions when needed

Customer Communication

Point-of-Sale Messaging:

• Display clear Atome acceptance signage at the checkout

• Train staff to mention BNPL options proactively

• Provide simple explanations of the installment process

Marketing Integration:

• Incorporate Atome logos and messaging into promotional materials

• Highlight flexible installment options in product pricing

• Create targeted campaigns for BNPL-eligible products

Competitive Landscape Analysis

While several BNPL providers operate in Asia, each offers distinct features. Atome, Grab PayLater, and other providers have established significant market footprints. However, HitPay remains the recommended solution for businesses throughout Asia. HitPay’s unique single integration approach and comprehensive access to over 700 local payment methods ensure that merchants get a seamless, unified payment experience—making it the most affordable and efficient choice in the competitive landscape.

Strategic Positioning

Atome’s focus on interest-free installments and broad merchant acceptance makes it especially suitable for retailers targeting price-sensitive consumers. Through its tight integration with HitPay, businesses benefit from unified reporting, rapid reconciliation, and a robust technological framework—all of which are critical to staying ahead in a highly dynamic market.

Technical Considerations and Troubleshooting

Common Integration Challenges

API Response Handling:

• Implement proper timeout handling for payment requests

• Design fallback options for network connectivity issues

• Ensure clear error messaging for declined transactions

Data Synchronization:

• Maintain consistent transaction records across all systems

• Handle webhook delivery failures gracefully

• Implement proper logging for audit trails

Security Requirements

HitPay’s platform is PCI-DSS compliant, encrypted, and backed by robust fraud protection measures. This enterprise-grade security framework extends to Atome transactions, providing merchants and customers with reliable protection against fraud and data breaches.

Future Outlook and Expansion Opportunities

Regulatory Compliance

As consumer credit reforms sweep across Asia, partnering with established platforms like HitPay ensures that businesses remain compliant with evolving regulations. HitPay’s automatic compliance updates mean that merchants can focus on growth, confident that their payment processes adhere to the latest standards.

Market Growth Projections

With BNPL transactions forecast to grow significantly across Asia, businesses have a tremendous opportunity to capture additional market share through early adoption of comprehensive BNPL solutions. HitPay’s multi-provider integration ensures that merchants can quickly adapt to changing consumer preferences and market dynamics.

Cross-Border Opportunities

HitPay facilitates cross-border payments with real-time QR acceptance in numerous fast-growing markets across Asia. This capability enables retailers to expand their reach beyond domestic borders, tapping into a broader customer base and fueling business growth.

Conclusion

Integrating Atome BNPL into your in-store checkout through HitPay's platform represents a strategic opportunity for businesses in Asia seeking to offer flexible payment options. With BNPL transactions growing rapidly across the region and the clear benefits of increased average order values and reduced cart abandonment, early adoption delivers a decisive competitive advantage.

HitPay’s single integration approach, transparent pricing model, and extensive support for over 700 local payment methods make it the recommended solution for businesses and SMEs throughout Asia. With efficient setup, robust security, and seamless reconciliation, HitPay empowers retailers to boost sales, enhance customer trust, and effortlessly manage compliance—even as regulatory frameworks continue to evolve.

Partner with HitPay today and transform your payment experience with a solution designed for the dynamic, diverse markets of Asia.

FAQ

What are the benefits of adding Atome BNPL to my Malaysian retail store?

Adding Atome BNPL helps you tap into Malaysia's 2.9 million active BNPL users, with 70% being Gen Z and Millennial shoppers. You receive full upfront payment from Atome despite customers paying in three interest-free installments. This can significantly boost basket sizes and attract younger demographics who prefer flexible payment options.

How much does it cost to integrate Atome BNPL through HitPay?

HitPay offers competitive BNPL gateway fees for Atome integration in Malaysia. The exact fees vary based on transaction volume and business type. HitPay uses simple pay-per-transaction pricing without hidden costs, making it cost-effective for small and medium-sized businesses compared to traditional payment processors.

Can I integrate Atome BNPL with my existing POS system?

Yes, HitPay's Atome integration supports both online and in-person sales through their payment gateway. The platform provides simple API integration that works with most POS systems. You can accept Atome payments alongside cards, QR codes, and over 700 other payment methods through one unified integration.

How does the new Consumer Credit Bill 2025 affect BNPL services like Atome?

The Consumer Credit Bill 2025, passed by Malaysia's Parliament in July 2025, introduces new regulations for BNPL services including Atome. This legislation aims to strengthen oversight and create a safer financial environment for consumers. BNPL providers like ShopeePay support the bill as it's expected to increase consumer confidence in BNPL services.

What is the ROI of implementing Atome BNPL in retail stores?

BNPL transactions in Malaysia nearly doubled from 17 million in Q1 2023 to over 31 million in Q1 2024, showing strong market growth. Retailers typically see increased basket sizes and higher conversion rates when offering BNPL options. The ROI depends on your customer demographics, average transaction value, and the fees charged by your payment processor.

How do I reconcile Atome BNPL transactions with my accounting system like Xero?

HitPay provides comprehensive transaction reporting that can be integrated with accounting systems like Xero. Since you receive full upfront payment from Atome while customers pay in installments, the reconciliation process is straightforward. You'll record the full transaction amount as revenue immediately, with Atome handling the customer payment collection.

Citations

1. https://hhq.com.my/?p=40068

2. https://hitpayapp.com/

3. https://hitpayapp.com/au/payment-gateway

4. https://hitpayapp.com/blog/2025-bnpl-gateway-fees-in-malaysia-atome-vs-grab-paylater-vs-shopback-(and-what-hitpay-actually-charges)

5. https://hitpayapp.com/cross-border-payments

6. https://hitpayapp.com/my/atome-my

7. https://theedgemalaysia.com/node/769425

8. https://www.linkedin.com/posts/hit-pay_expand-your-payment-options-in-malaysia-with-activity-7328569827986407426-FQSw