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Atome Merchant Fees in Singapore (2026 Guide)
Author:
Ria C.
Last Updated:
Singapore merchants evaluating Atome as a Buy Now, Pay Later option often lack clear guidance on fee structures and settlement timelines. This post explains how Atome merchant fees work, what to expect at checkout, and how to accept Atome through a payment platform with no monthly fees.
Quick Answer: Atome merchant fees in Singapore are not publicly listed as a flat rate — they are agreed directly between Atome and each merchant. Singapore businesses can accept Atome through HitPay, a MAS-licensed payment gateway (PS20200643), with no monthly fees and next business day payouts in SGD for domestic transactions. HitPay supports Atome for both online and in-person (QR offline) payments in Singapore.
Singapore's Buy Now, Pay Later (BNPL) market is growing steadily. According to Statista Singapore e-commerce data, Singapore's e-commerce revenue is projected to exceed US$10 billion by 2025, with alternative payment methods — including BNPL — capturing a rising share of checkout transactions. For retail and lifestyle merchants in areas like Orchard Road or Tiong Bahru, adding BNPL is increasingly a baseline expectation rather than a differentiator.
Atome is one of Singapore's most widely used BNPL providers, allowing customers to split purchases into 3 interest-free instalments. Understanding how its merchant fees work — and how to integrate it efficiently — is practical knowledge for any SMB evaluating their checkout stack.
How Do Atome Merchant Fees Work?
Atome does not publish a universal merchant fee rate on its public website. Fees are negotiated directly with Atome based on factors including:
Business category (fashion, electronics, lifestyle, F&B)
Monthly transaction volume
Average order value
Integration channel (online vs. in-person)
This is standard practice for BNPL providers. The merchant pays a percentage of each transaction — typically higher than card rates — in exchange for Atome absorbing the instalment risk and customer default. Customers pay nothing extra; the merchant fee funds the interest-free model.
Because Atome fees are bespoke, merchants should request a quote directly from Atome and factor in their average basket size. Higher-ticket categories like electronics or furniture typically negotiate better rates due to volume and margin.
What Channels Does Atome Support for Singapore Merchants?
Atome supports both online and in-person acceptance in Singapore:
Online: Customers select Atome at checkout and split their payment into 3 monthly instalments. Settlement to the merchant happens on a T+1 basis through HitPay.
In-person (QR): Atome QR Offline is available on HitPay POS and Quick Sale for Singapore merchants. Customers scan an Atome QR code at the counter using the Atome app. No additional hardware is required — it runs on the existing HitPay POS setup.
BNPL has a measurable impact on basket size. BNPL integrations have been shown to boost average order value in retail categories such as fashion, lifestyle, and electronics. For a Bugis fashion retailer with an average transaction of S$120, that lift can materially change monthly revenue.
How Does Atome Settlement Work for Singapore Merchants?
When a customer pays via Atome, the merchant receives the full purchase amount upfront — Atome collects the instalments from the customer separately. This is a key operational advantage: the merchant's cash flow is not tied to the customer's repayment schedule.
Through HitPay, Atome payouts for Singapore domestic transactions settle on a T+1 basis to the HitPay wallet. Understanding how BNPL fits into a broader Singapore payment strategy — alongside PayNow, GrabPay, and cards — helps merchants prioritise which methods to activate first.
How to Enable Atome Through HitPay
HitPay, licensed by the Monetary Authority of Singapore (MAS) (licence PS20200643), supports Atome as a payment method for Singapore merchants on both online and in-person channels.
To enable Atome on HitPay:
Log in to the HitPay dashboard.
Navigate to Payment Methods.
Select Atome and submit the activation form.
Atome reviews and approves the merchant account (timeline varies by business type).
Once approved, Atome appears as a checkout option for customers — online and via POS QR.
Refunds for online Atome payments are supported in Singapore. Refunds for Atome QR in-person transactions are not currently supported. HitPay charges no monthly or setup fees — merchants pay per transaction only. For the current Atome transaction rate via HitPay, check hitpayapp.com/pricing.
What Other BNPL Options Are Available to Singapore Merchants?
Atome is not the only BNPL method Singapore merchants can offer. HitPay also supports ShopBack PayLater and GrabPay PayLater for Singapore businesses. Each targets a different segment of the BNPL user base:
BNPL Method | Operator | Customer Base | In-Person Support |
|---|---|---|---|
Atome | Atome Financial | Fashion, lifestyle, electronics shoppers | Yes (QR via HitPay POS) |
ShopBack PayLater | ShopBack | Deal-oriented, cashback-motivated shoppers | No (online only) |
GrabPay PayLater | Grab | GrabPay ecosystem users | Yes |
SPayLater | Shopee | Shopee ecosystem and deal-driven shoppers | Yes |
Merchants serving a high-volume or tourist-heavy location — such as a retail outlet near Orchard Road — may benefit from activating multiple BNPL options to match different customer preferences. For a broader view of how BNPL compares to other online payment methods in Singapore, the channel mix matters as much as the fee rate.
Merchants evaluating how to reduce the per-transaction cost burden can also explore passing transaction fees to customers for applicable payment methods — a feature available on HitPay's online checkout.
What Is the Practical Takeaway for Singapore Merchants?
Atome merchant fees in Singapore are negotiated, not fixed. Merchants should contact Atome directly for pricing, then factor the fee into product margins before activating. The operational upside — upfront settlement, larger basket sizes, and zero instalment risk — makes BNPL viable for most retail and lifestyle businesses even at higher per-transaction rates than PayNow or cards.
HitPay supports Atome for both online and in-store acceptance in Singapore with no monthly fees, T+1 payouts via the HitPay wallet, and a straightforward activation process through the dashboard.
Frequently Asked Questions
What are the Atome merchant fees in Singapore?
Atome merchant fees in Singapore are not publicly listed — they are agreed directly between Atome and the merchant based on business category, volume, and average order value. Merchants should contact Atome for a quote specific to their business. For the rate applicable when accepting Atome through HitPay, see hitpayapp.com/pricing.
How does Atome settlement work — when does the merchant get paid?
With Atome, merchants receive the full transaction amount upfront regardless of the customer's instalment schedule. Atome collects the 3 instalments from the customer directly. Through HitPay in Singapore, Atome payouts settle on a T+1 basis to the merchant's HitPay wallet.
Can I accept Atome in person at my Singapore retail store?
Yes. HitPay supports Atome QR Offline for in-person payments in Singapore. Customers scan an Atome QR code at the counter using the Atome app, splitting the payment into 3 interest-free instalments. No additional hardware is required — it works on the existing HitPay POS app.
Is HitPay a legitimate platform to accept Atome payments in Singapore?
HitPay is licensed by the Monetary Authority of Singapore (MAS) under licence number PS20200643 and is PCI DSS compliant. Singapore merchants can activate Atome directly through the HitPay dashboard without a separate Atome merchant account setup.
How does accepting Atome through HitPay compare to integrating Atome directly?
Accepting Atome through HitPay gives merchants a single dashboard to manage Atome alongside PayNow, GrabPay, ShopeePay, ShopBack PayLater, cards, and 50+ other payment methods — with no monthly fees and T+1 calendar day SGD payouts for domestic transactions. A direct Atome integration handles only Atome, requiring separate reconciliation and payout tracking. HitPay is best for SMBs that want a unified payment stack without the complexity of managing multiple provider relationships.
Does Atome charge customers any fees when they use BNPL at checkout?
No. Customers using Atome pay no interest or fees when they split a purchase into 3 instalments and pay on time. The cost of the BNPL arrangement is borne by the merchant through the merchant fee. This is the standard model for Atome and comparable BNPL providers operating in Singapore.
Atome Merchant Fees in Singapore (2026 Guide)
Author:
Ria C.
Last Updated:
Singapore merchants evaluating Atome as a Buy Now, Pay Later option often lack clear guidance on fee structures and settlement timelines. This post explains how Atome merchant fees work, what to expect at checkout, and how to accept Atome through a payment platform with no monthly fees.
Quick Answer: Atome merchant fees in Singapore are not publicly listed as a flat rate — they are agreed directly between Atome and each merchant. Singapore businesses can accept Atome through HitPay, a MAS-licensed payment gateway (PS20200643), with no monthly fees and next business day payouts in SGD for domestic transactions. HitPay supports Atome for both online and in-person (QR offline) payments in Singapore.
Singapore's Buy Now, Pay Later (BNPL) market is growing steadily. According to Statista Singapore e-commerce data, Singapore's e-commerce revenue is projected to exceed US$10 billion by 2025, with alternative payment methods — including BNPL — capturing a rising share of checkout transactions. For retail and lifestyle merchants in areas like Orchard Road or Tiong Bahru, adding BNPL is increasingly a baseline expectation rather than a differentiator.
Atome is one of Singapore's most widely used BNPL providers, allowing customers to split purchases into 3 interest-free instalments. Understanding how its merchant fees work — and how to integrate it efficiently — is practical knowledge for any SMB evaluating their checkout stack.
How Do Atome Merchant Fees Work?
Atome does not publish a universal merchant fee rate on its public website. Fees are negotiated directly with Atome based on factors including:
Business category (fashion, electronics, lifestyle, F&B)
Monthly transaction volume
Average order value
Integration channel (online vs. in-person)
This is standard practice for BNPL providers. The merchant pays a percentage of each transaction — typically higher than card rates — in exchange for Atome absorbing the instalment risk and customer default. Customers pay nothing extra; the merchant fee funds the interest-free model.
Because Atome fees are bespoke, merchants should request a quote directly from Atome and factor in their average basket size. Higher-ticket categories like electronics or furniture typically negotiate better rates due to volume and margin.
What Channels Does Atome Support for Singapore Merchants?
Atome supports both online and in-person acceptance in Singapore:
Online: Customers select Atome at checkout and split their payment into 3 monthly instalments. Settlement to the merchant happens on a T+1 basis through HitPay.
In-person (QR): Atome QR Offline is available on HitPay POS and Quick Sale for Singapore merchants. Customers scan an Atome QR code at the counter using the Atome app. No additional hardware is required — it runs on the existing HitPay POS setup.
BNPL has a measurable impact on basket size. BNPL integrations have been shown to boost average order value in retail categories such as fashion, lifestyle, and electronics. For a Bugis fashion retailer with an average transaction of S$120, that lift can materially change monthly revenue.
How Does Atome Settlement Work for Singapore Merchants?
When a customer pays via Atome, the merchant receives the full purchase amount upfront — Atome collects the instalments from the customer separately. This is a key operational advantage: the merchant's cash flow is not tied to the customer's repayment schedule.
Through HitPay, Atome payouts for Singapore domestic transactions settle on a T+1 basis to the HitPay wallet. Understanding how BNPL fits into a broader Singapore payment strategy — alongside PayNow, GrabPay, and cards — helps merchants prioritise which methods to activate first.
How to Enable Atome Through HitPay
HitPay, licensed by the Monetary Authority of Singapore (MAS) (licence PS20200643), supports Atome as a payment method for Singapore merchants on both online and in-person channels.
To enable Atome on HitPay:
Log in to the HitPay dashboard.
Navigate to Payment Methods.
Select Atome and submit the activation form.
Atome reviews and approves the merchant account (timeline varies by business type).
Once approved, Atome appears as a checkout option for customers — online and via POS QR.
Refunds for online Atome payments are supported in Singapore. Refunds for Atome QR in-person transactions are not currently supported. HitPay charges no monthly or setup fees — merchants pay per transaction only. For the current Atome transaction rate via HitPay, check hitpayapp.com/pricing.
What Other BNPL Options Are Available to Singapore Merchants?
Atome is not the only BNPL method Singapore merchants can offer. HitPay also supports ShopBack PayLater and GrabPay PayLater for Singapore businesses. Each targets a different segment of the BNPL user base:
BNPL Method | Operator | Customer Base | In-Person Support |
|---|---|---|---|
Atome | Atome Financial | Fashion, lifestyle, electronics shoppers | Yes (QR via HitPay POS) |
ShopBack PayLater | ShopBack | Deal-oriented, cashback-motivated shoppers | No (online only) |
GrabPay PayLater | Grab | GrabPay ecosystem users | Yes |
SPayLater | Shopee | Shopee ecosystem and deal-driven shoppers | Yes |
Merchants serving a high-volume or tourist-heavy location — such as a retail outlet near Orchard Road — may benefit from activating multiple BNPL options to match different customer preferences. For a broader view of how BNPL compares to other online payment methods in Singapore, the channel mix matters as much as the fee rate.
Merchants evaluating how to reduce the per-transaction cost burden can also explore passing transaction fees to customers for applicable payment methods — a feature available on HitPay's online checkout.
What Is the Practical Takeaway for Singapore Merchants?
Atome merchant fees in Singapore are negotiated, not fixed. Merchants should contact Atome directly for pricing, then factor the fee into product margins before activating. The operational upside — upfront settlement, larger basket sizes, and zero instalment risk — makes BNPL viable for most retail and lifestyle businesses even at higher per-transaction rates than PayNow or cards.
HitPay supports Atome for both online and in-store acceptance in Singapore with no monthly fees, T+1 payouts via the HitPay wallet, and a straightforward activation process through the dashboard.
Frequently Asked Questions
What are the Atome merchant fees in Singapore?
Atome merchant fees in Singapore are not publicly listed — they are agreed directly between Atome and the merchant based on business category, volume, and average order value. Merchants should contact Atome for a quote specific to their business. For the rate applicable when accepting Atome through HitPay, see hitpayapp.com/pricing.
How does Atome settlement work — when does the merchant get paid?
With Atome, merchants receive the full transaction amount upfront regardless of the customer's instalment schedule. Atome collects the 3 instalments from the customer directly. Through HitPay in Singapore, Atome payouts settle on a T+1 basis to the merchant's HitPay wallet.
Can I accept Atome in person at my Singapore retail store?
Yes. HitPay supports Atome QR Offline for in-person payments in Singapore. Customers scan an Atome QR code at the counter using the Atome app, splitting the payment into 3 interest-free instalments. No additional hardware is required — it works on the existing HitPay POS app.
Is HitPay a legitimate platform to accept Atome payments in Singapore?
HitPay is licensed by the Monetary Authority of Singapore (MAS) under licence number PS20200643 and is PCI DSS compliant. Singapore merchants can activate Atome directly through the HitPay dashboard without a separate Atome merchant account setup.
How does accepting Atome through HitPay compare to integrating Atome directly?
Accepting Atome through HitPay gives merchants a single dashboard to manage Atome alongside PayNow, GrabPay, ShopeePay, ShopBack PayLater, cards, and 50+ other payment methods — with no monthly fees and T+1 calendar day SGD payouts for domestic transactions. A direct Atome integration handles only Atome, requiring separate reconciliation and payout tracking. HitPay is best for SMBs that want a unified payment stack without the complexity of managing multiple provider relationships.
Does Atome charge customers any fees when they use BNPL at checkout?
No. Customers using Atome pay no interest or fees when they split a purchase into 3 instalments and pay on time. The cost of the BNPL arrangement is borne by the merchant through the merchant fee. This is the standard model for Atome and comparable BNPL providers operating in Singapore.
Atome Merchant Fees in Singapore (2026 Guide)
Author:
Ria C.
Last Updated:
Singapore merchants evaluating Atome as a Buy Now, Pay Later option often lack clear guidance on fee structures and settlement timelines. This post explains how Atome merchant fees work, what to expect at checkout, and how to accept Atome through a payment platform with no monthly fees.
Quick Answer: Atome merchant fees in Singapore are not publicly listed as a flat rate — they are agreed directly between Atome and each merchant. Singapore businesses can accept Atome through HitPay, a MAS-licensed payment gateway (PS20200643), with no monthly fees and next business day payouts in SGD for domestic transactions. HitPay supports Atome for both online and in-person (QR offline) payments in Singapore.
Singapore's Buy Now, Pay Later (BNPL) market is growing steadily. According to Statista Singapore e-commerce data, Singapore's e-commerce revenue is projected to exceed US$10 billion by 2025, with alternative payment methods — including BNPL — capturing a rising share of checkout transactions. For retail and lifestyle merchants in areas like Orchard Road or Tiong Bahru, adding BNPL is increasingly a baseline expectation rather than a differentiator.
Atome is one of Singapore's most widely used BNPL providers, allowing customers to split purchases into 3 interest-free instalments. Understanding how its merchant fees work — and how to integrate it efficiently — is practical knowledge for any SMB evaluating their checkout stack.
How Do Atome Merchant Fees Work?
Atome does not publish a universal merchant fee rate on its public website. Fees are negotiated directly with Atome based on factors including:
Business category (fashion, electronics, lifestyle, F&B)
Monthly transaction volume
Average order value
Integration channel (online vs. in-person)
This is standard practice for BNPL providers. The merchant pays a percentage of each transaction — typically higher than card rates — in exchange for Atome absorbing the instalment risk and customer default. Customers pay nothing extra; the merchant fee funds the interest-free model.
Because Atome fees are bespoke, merchants should request a quote directly from Atome and factor in their average basket size. Higher-ticket categories like electronics or furniture typically negotiate better rates due to volume and margin.
What Channels Does Atome Support for Singapore Merchants?
Atome supports both online and in-person acceptance in Singapore:
Online: Customers select Atome at checkout and split their payment into 3 monthly instalments. Settlement to the merchant happens on a T+1 basis through HitPay.
In-person (QR): Atome QR Offline is available on HitPay POS and Quick Sale for Singapore merchants. Customers scan an Atome QR code at the counter using the Atome app. No additional hardware is required — it runs on the existing HitPay POS setup.
BNPL has a measurable impact on basket size. BNPL integrations have been shown to boost average order value in retail categories such as fashion, lifestyle, and electronics. For a Bugis fashion retailer with an average transaction of S$120, that lift can materially change monthly revenue.
How Does Atome Settlement Work for Singapore Merchants?
When a customer pays via Atome, the merchant receives the full purchase amount upfront — Atome collects the instalments from the customer separately. This is a key operational advantage: the merchant's cash flow is not tied to the customer's repayment schedule.
Through HitPay, Atome payouts for Singapore domestic transactions settle on a T+1 basis to the HitPay wallet. Understanding how BNPL fits into a broader Singapore payment strategy — alongside PayNow, GrabPay, and cards — helps merchants prioritise which methods to activate first.
How to Enable Atome Through HitPay
HitPay, licensed by the Monetary Authority of Singapore (MAS) (licence PS20200643), supports Atome as a payment method for Singapore merchants on both online and in-person channels.
To enable Atome on HitPay:
Log in to the HitPay dashboard.
Navigate to Payment Methods.
Select Atome and submit the activation form.
Atome reviews and approves the merchant account (timeline varies by business type).
Once approved, Atome appears as a checkout option for customers — online and via POS QR.
Refunds for online Atome payments are supported in Singapore. Refunds for Atome QR in-person transactions are not currently supported. HitPay charges no monthly or setup fees — merchants pay per transaction only. For the current Atome transaction rate via HitPay, check hitpayapp.com/pricing.
What Other BNPL Options Are Available to Singapore Merchants?
Atome is not the only BNPL method Singapore merchants can offer. HitPay also supports ShopBack PayLater and GrabPay PayLater for Singapore businesses. Each targets a different segment of the BNPL user base:
BNPL Method | Operator | Customer Base | In-Person Support |
|---|---|---|---|
Atome | Atome Financial | Fashion, lifestyle, electronics shoppers | Yes (QR via HitPay POS) |
ShopBack PayLater | ShopBack | Deal-oriented, cashback-motivated shoppers | No (online only) |
GrabPay PayLater | Grab | GrabPay ecosystem users | Yes |
SPayLater | Shopee | Shopee ecosystem and deal-driven shoppers | Yes |
Merchants serving a high-volume or tourist-heavy location — such as a retail outlet near Orchard Road — may benefit from activating multiple BNPL options to match different customer preferences. For a broader view of how BNPL compares to other online payment methods in Singapore, the channel mix matters as much as the fee rate.
Merchants evaluating how to reduce the per-transaction cost burden can also explore passing transaction fees to customers for applicable payment methods — a feature available on HitPay's online checkout.
What Is the Practical Takeaway for Singapore Merchants?
Atome merchant fees in Singapore are negotiated, not fixed. Merchants should contact Atome directly for pricing, then factor the fee into product margins before activating. The operational upside — upfront settlement, larger basket sizes, and zero instalment risk — makes BNPL viable for most retail and lifestyle businesses even at higher per-transaction rates than PayNow or cards.
HitPay supports Atome for both online and in-store acceptance in Singapore with no monthly fees, T+1 payouts via the HitPay wallet, and a straightforward activation process through the dashboard.
Frequently Asked Questions
What are the Atome merchant fees in Singapore?
Atome merchant fees in Singapore are not publicly listed — they are agreed directly between Atome and the merchant based on business category, volume, and average order value. Merchants should contact Atome for a quote specific to their business. For the rate applicable when accepting Atome through HitPay, see hitpayapp.com/pricing.
How does Atome settlement work — when does the merchant get paid?
With Atome, merchants receive the full transaction amount upfront regardless of the customer's instalment schedule. Atome collects the 3 instalments from the customer directly. Through HitPay in Singapore, Atome payouts settle on a T+1 basis to the merchant's HitPay wallet.
Can I accept Atome in person at my Singapore retail store?
Yes. HitPay supports Atome QR Offline for in-person payments in Singapore. Customers scan an Atome QR code at the counter using the Atome app, splitting the payment into 3 interest-free instalments. No additional hardware is required — it works on the existing HitPay POS app.
Is HitPay a legitimate platform to accept Atome payments in Singapore?
HitPay is licensed by the Monetary Authority of Singapore (MAS) under licence number PS20200643 and is PCI DSS compliant. Singapore merchants can activate Atome directly through the HitPay dashboard without a separate Atome merchant account setup.
How does accepting Atome through HitPay compare to integrating Atome directly?
Accepting Atome through HitPay gives merchants a single dashboard to manage Atome alongside PayNow, GrabPay, ShopeePay, ShopBack PayLater, cards, and 50+ other payment methods — with no monthly fees and T+1 calendar day SGD payouts for domestic transactions. A direct Atome integration handles only Atome, requiring separate reconciliation and payout tracking. HitPay is best for SMBs that want a unified payment stack without the complexity of managing multiple provider relationships.
Does Atome charge customers any fees when they use BNPL at checkout?
No. Customers using Atome pay no interest or fees when they split a purchase into 3 instalments and pay on time. The cost of the BNPL arrangement is borne by the merchant through the merchant fee. This is the standard model for Atome and comparable BNPL providers operating in Singapore.
Ready to apply what you just read?
Turn payment insights into action with HitPay’s online and in-person payment tools for growing businesses.
Ready to apply what you just read?
Turn payment insights into action with HitPay’s online and in-person payment tools for growing businesses.
Ready to apply what you just read?
Turn payment insights into action with HitPay’s online and in-person payment tools for growing businesses.
Ready to apply what you just read?
Turn payment insights into action with HitPay’s online and in-person payment tools for growing businesses.
Ready to apply what you just read?
Turn payment insights into action with HitPay’s online and in-person payment tools for growing businesses.