Split your payments into 3-month 0% interest installment with debit card or credit card.
1. Am I eligible to use the Atome service?
- To use the service, you must:
- Be at least 18 years of age
- Currently reside in Malaysia
- Have a mobile phone number registered under your MyKad with your telco
- Own a credit or debit card that will be used to pay for your purchases on Atome
2. How is Atome different from bank credit cards?
- Instant Approval
- Min. Spend to use Atome is RM25
- Buy More – Pay Later
3. What is the credit limit for Atome?
The credit limit for Atome is RM 2000 for debit card and RM 5000 for credit card.
4. Does Atome protect my personal information?
Yes, Atome is a registered and regulated company in Singapore. Shopping with Atome is a safe and secure shopping experience. Find out more about how Atome protects your personal information in the terms and conditions and privacy policy.
5. What are the payment methods for repayment?
- App repayment.
Go to your ATOME APP. Select “Check and Pay” overdue bills. Update your credit or debit card details. - Auto-Deduction
Deposit sufficient funds to the debit/credit card bound to your Atome account for auto deduction.
6. How do I pay using Atome?
Shop with Tuftin’ Asia and choose Atome as your preferred payment method at checkout. Make your first repayment (one-third of your bill) with your credit or debit card at the time of purchase and the rest over the next two months in two equal interest-free instalments. It’s that easy.
7. It seems too good to be true, what’s the catch?
We know it’s hard to believe, but there really isn’t one.The only cost that you might incur (apart from the price of your purchase) is a fixed late repayment fee that never snowballs.
8. Do customers have to pay any fees for using the Atome service?
Atome is a free service: there are no hidden service fees or interest charges if you pay all your scheduled instalments on time. That said, the merchant you’re shopping with may charge you additional fees for using Atome to pay – that’s between you and the merchant you’re buying goods from.
9. 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.
For more information, visit Atome help page.
Split your payments into 4-month 0% interest installment with GrabPay.
1. Am I eligible for PayLater?
Grab users who are eligible for PayLater should be
-21 years and older
-Platinum, Gold or Silver GrabRewards tier member, and
-Have used either cash, credit or debit card for at least 3 Grab transactions in the recent months.
-Resides in Malaysia
If you’re eligible for PayLater, you’ll be able to activate it in-app, or simply launch your Grab app, tap on Payments, tap on Enjoy Now and Pay Later under Explore GrabPay. If you don’t see the PayLater option, unfortunately Grab has not offered this service to you just yet. All approvals are subject to Grab internal review.
2. Will I get GrabReward points if I pay using PayLater?
An easy way to track if you’re earning GrabRewards points for your selected Grab payment method is to check it during the checkout flow. GrabRewards points is awarded for every PayLater Postpaid transaction. While PayLater Instalments does not currently award any GrabRewards points, you can look out for our various exciting promotions and merchant offers for great value at our merchant directory.
3. Is there a cost to using PayLater?
PayLater is a free service offered by retailers to you – there are no upfront fees charged or any interest accrued. The only fee that may be incurred is admin fee to reactivate your suspended account. Your PayLater account may be suspended if you have overdue PayLater bill and you do not make any payments after being notified by us.
4. I have more questions, where can I get help?
Find a comprehensive library of help articles in Grab Help Center.
1. What is Hoolah?
Hoolah is a fintech company based in Singapore that allows retailers to offer their customers to buy now and pay later (BNPL) – 3 equal installments over 3 months with 0% interest.
2. How does Hoolah work?
The cost of your purchase is divided into 3 interest-free installments. Pay only 1/3 upfront with either debit or credit card, receive the items first and pay the remaining later. The balance amount will be automatically deducted over the next two months.
Click on the following links to find out more:
- Requirements to use hoolah
- How to sign up for an account
- How to place an order
- Store Directory
- Download the hoolah app
3. Am I eligible for Hoolah service?
To use the service, you must:
-Be at least 18 years of age
-Currently reside in Malaysia
-Have a mobile phone number registered under your MyKad with your telco
-Own a credit or debit card that will be used to pay for your purchases on Hoolah
4. Here is the step-by-step guide to use Hoolah
https://help.hoolah.co/en/articles/3010487-a-step-by-step-guide-to-use-hoolah
5. How is Hoolah different from credit card installment?
If you are making your purchase with hoolah, you will have the flexibility of using any card (credit or debit) from any bank. You also enjoy the following benefits:
-Instant approval, no application is necessary
-There are no processing fees. You pay what you see!
-The full payment is divided into three equal instalments. If you are using a credit card for payment, only the single instalment amount counts against your credit limit
-Instalments will be charged automatically on the due date so you no longer need to worry about late repayment
6. What is the credit limit for Hoolah?
The credit limit for Hoolah is RM 1600.