Offering buy now pay later at the point of sale is no longer just an e-commerce advantage. Shoppers increasingly expect BNPL options in physical stores, and Atome is one of the most widely recognised BNPL providers across Southeast Asia. If you are looking to become an Atome merchant and accept instalment payments in person, HitPay's QR code solution gives you a direct, low-friction path to do exactly that.

What Is an Atome Merchant?

An Atome merchant is any business that has been enabled to accept payments through Atome's buy now pay later platform. When a customer pays via Atome, they split their purchase into interest-free instalments. The merchant receives the full payment upfront — Atome handles the credit risk and collection from the shopper.

Note: Atome's instalment structure and merchant payout terms are set by Atome and may vary by market. Verify current terms at atome.sg or within your HitPay dashboard when activating Atome as a payment method.

Atome operates across Singapore, Malaysia, the Philippines, and several other Southeast Asian markets, making it particularly relevant for retailers, F&B businesses, and lifestyle brands looking to reduce cart drop-off and increase average order values.

Why Accepting Atome Payments Can Benefit Your Business

Before getting into the setup process, it is worth understanding the commercial case for becoming an Atome merchant.

• Shoppers spend more when BNPL is available. Research consistently shows that buy now pay later options increase average transaction values. When customers know they can split a purchase into interest-free instalments, the perceived barrier to buying is lower.

• You get paid in full, immediately. As a partner, you do not take on any instalment risk. Atome pays you the full amount upfront. The instalment arrangement is entirely between Atome and your customer.

• BNPL is growing fast in Southeast Asia. Markets like Singapore and Malaysia have seen strong adoption of BNPL among millennial and Gen Z shoppers. Offering Atome signals that your business is keeping pace with how customers want to pay.

• Reduced checkout friction in-store. With a QR code-based flow, there is no need for customers to carry a specific card or pre-loaded wallet. They simply scan, approve the purchase in the Atome app, and the transaction is confirmed.

How HitPay Enables You to Accept Atome as a Merchant

HitPay provides a unified payment infrastructure that includes Atome as one of its supported payment methods. Rather than applying separately to Atome and integrating their SDK independently, HitPay partners can activate Atome directly through their existing HitPay account.

The Atome Merchant QR Code Flow

HitPay's in-person Atome payment experience works through a QR code — here is how it works in practice:

1. You create a payment request via the HitPay dashboard or POS app, entering the transaction amount.

2. A unique QR code is generated for that transaction on the spot.

3. The customer scans the QR code with the Atome app on their smartphone.

4. The customer confirms the instalment split within the Atome app.

5. Payment confirmation is received instantly, and the transaction is recorded in your HitPay dashboard.

The entire checkout process takes under a minute, and no additional hardware beyond your existing smartphone or tablet is required.

No Separate Atome Merchant Application Needed

One of the key benefits of going through HitPay is the consolidated onboarding process. HitPay handles the payment method activation on the backend. Partners do not need to submit a separate Atome merchant application, negotiate independent terms, or manage a standalone Atome integration. Everything sits within a single HitPay account.

Setting Up Atome Payments Through HitPay

Getting started as an Atome merchant via HitPay follows a straightforward process:

1. Create or log in to your HitPay account at hitpayapp.com.

2. Complete your business verification — standard KYC documentation applies.

3. Enable Atome as a payment method from your payment settings dashboard.

4. Download the HitPay POS app (available on iOS and Android) for in-person transactions.

5. Test a transaction to confirm the QR code flow is working correctly.

6. Go live — your store can begin accepting Atome payments the same day.

HitPay supports Atome merchant activation in Singapore, Malaysia, and the Philippines. Partners in these markets can begin accepting Atome in-person payments without managing separate accounts or integrations.

Atome Merchant Payments Alongside Your Other Payment Methods

A major advantage of using HitPay as your Atome merchant solution is that Atome is just one of many payment methods available under a single account. HitPay supports:

• Credit and debit cards (Visa, Mastercard)

• PayNow and GrabPay (Singapore)

• DuitNow and Touch 'n Go (Malaysia)

• GCash and Maya (Philippines)

• Other BNPL providers, including ShopBack PayLater

This means your point-of-sale setup is not fragmented across multiple providers. All transactions — whether paid by card, e-wallet, or Atome instalment — flow into a single HitPay dashboard for reconciliation and reporting.

Frequently Asked Questions

Q: What is an Atome merchant and how do I become one?

An Atome merchant is a business that accepts Atome's buy now pay later payment method. Through HitPay, you can become an Atome merchant by creating a HitPay partner account, completing business verification, and enabling Atome from your payment method settings. You do not need to apply to Atome directly when onboarding through HitPay.

Q: Do I need special hardware to accept Atome payments in person?

No. HitPay's Atome merchant solution is entirely QR code-based. You generate a payment request through the HitPay dashboard or POS app, and the customer scans the QR code using the Atome app on their own phone. No dedicated BNPL terminal or hardware is required.

Q: As an Atome merchant, when do I receive my funds?

Partners receive the full transaction amount upfront. Atome assumes the credit risk and manages the instalment collection from the shopper directly. Your payout is not split across the customer's instalments — you receive the total sale value according to HitPay's standard settlement schedule.

Q: Which countries can use HitPay's Atome merchant QR code solution?

HitPay currently supports Atome merchant payments in Singapore, Malaysia, and the Philippines. If your business operates across these markets, you can manage Atome transactions in all three from a single HitPay account.

Q: Can I accept Atome payments both online and in person through HitPay?

Yes. HitPay supports Atome as a payment method for both online checkout and in-person QR code transactions. This means your customers can use Atome whether they are shopping on your website or at your physical store, with all transactions consolidated in the same HitPay dashboard.

Q: Are there transaction fees for Atome merchant payments through HitPay?

Payment processing fees apply to Atome transactions, as with any payment method. For the most current fee schedule, refer to HitPay's official pricing page, as rates may vary by market and are subject to change.

Start Accepting Atome Payments with HitPay

If you are ready to activate Atome as a payment method for your business, HitPay provides a fast, consolidated setup path. No separate Atome merchant application, no extra hardware, and no fragmented reporting — just a single QR code flow that works alongside all your other payment methods.

Get started with HitPay →

HitPay is a payment gateway and POS provider serving businesses across Singapore, Malaysia, the Philippines, and across APAC. Payment method availability, fees, and features are subject to change. Learn more at hitpayapp.com.