What is Atome?
Atome has partnered over 700 leading online and offline brand to provide short-term payment plans that allow everyone to enjoy Buy now, pay later!
If you select Atome as a payment option at our partnered merchant website, or scan our QR code at the cashier, Atome will automatically split your bill in 3 or 6 month installments. The first payment will be debited 3 days after your purchase, and the next two payments will be spread 30 days apart.
Download and try the Atome app now! Because transactions with Atome are always profitable with 0% interest for 3 months installments.
If you select Atome as a payment option at our partnered merchant website, or scan our QR code at the cashier, Atome will automatically split your bill in 3 or 6 month installments. The first payment will be debited 3 days after your purchase, and the next two payments will be spread 30 days apart.
Download and try the Atome app now! Because transactions with Atome are always profitable with 0% interest for 3 months installments.
Are there any requirement(s) for using Atome?
Before you register with us, please ensure that you meet the following requirements:
Age Requirement
You are at least 18 years old.
Account set-up
We will require from you:
1) Identification Card
2) Indonesia Mobile Number (+62)
The information is required to ensure that we identify the correct users and prevent any misuse of identity.
3) Before checkout
Please remember to select any available voucher and spend at least Rp 100.000 to successfully complete your purchase.
Age Requirement
You are at least 18 years old.
Account set-up
We will require from you:
1) Identification Card
2) Indonesia Mobile Number (+62)
The information is required to ensure that we identify the correct users and prevent any misuse of identity.
3) Before checkout
Please remember to select any available voucher and spend at least Rp 100.000 to successfully complete your purchase.
How much do I have to spend to use Atome?
The minimum spending for a single purchase is Rp 100.000
How do I register with Atome?
Download the Atome app on the Play Store or Google store, to enjoy transactions Shop now, pay later!
Step-by-step guide:
1) Register with your handphone number
2) As a first-time user, you will need to go through user verification. Click "Pay" at the home page
3) Fill in personal information with "MyInfo" or manual input
4) Add your credit/debit card details to complete the registration
Registration is completed! You can now use Atome when you see Atome QR code at a store's checkout or when you see Atome listed as a payment option at a merchant's website. Do not forget to use your promotional code or vouchers during your checkout!
Step-by-step guide:
1) Register with your handphone number
2) As a first-time user, you will need to go through user verification. Click "Pay" at the home page
3) Fill in personal information with "MyInfo" or manual input
4) Add your credit/debit card details to complete the registration
Registration is completed! You can now use Atome when you see Atome QR code at a store's checkout or when you see Atome listed as a payment option at a merchant's website. Do not forget to use your promotional code or vouchers during your checkout!
Where can I use Atome?
You can use Atome when you see Atome QR code at a store's checkout or when you see Atome listed as a payment option at a merchant's website.
1. Scan merchant's QR code with your Atome app
Use your Atome app to scan the code that is displayed at a store’s checkout. Look out for various vouchers to be applied via the app.
2. Pay in browser
When you are at the merchant's website, select Atome as the payment option. Then, 1) use Atome app "Pay" to scan the QR code provided or 2) enter your Atome registered mobile number. An OTP will be sent to that number and once you have entered the OTP into the field and the information is verified, tap "Next" to proceed to the completion page.
1) Scan QR code
2) Enter registered mobile number
Visit our merchant store directory and shop with us now!
1. Scan merchant's QR code with your Atome app
Use your Atome app to scan the code that is displayed at a store’s checkout. Look out for various vouchers to be applied via the app.
2. Pay in browser
When you are at the merchant's website, select Atome as the payment option. Then, 1) use Atome app "Pay" to scan the QR code provided or 2) enter your Atome registered mobile number. An OTP will be sent to that number and once you have entered the OTP into the field and the information is verified, tap "Next" to proceed to the completion page.
1) Scan QR code
2) Enter registered mobile number
Visit our merchant store directory and shop with us now!
How to contact Atome?
Send your questions via email at support@atome.id
We aim to respond to all our emails in 24 hours. We would suggest you check your spam/junk mail if you did not receive a response from us. If you found it in junk/spam do mark the email as not spam so future replies will not be directed there.
We aim to respond to all our emails in 24 hours. We would suggest you check your spam/junk mail if you did not receive a response from us. If you found it in junk/spam do mark the email as not spam so future replies will not be directed there.
How do I change the mobile number for my account?
Unfortunetly, we are unable to change registered phone number at the moment.
How do I change the name for my account?
Unfortunately, we are unable to amend your name on our end. Our product team is working on an enhanced feature regarding this matter.
How do I change the shipping address?
You can autofill shipping information and checkout faster at our partnered merchants' page with Atome app. If you wish to change your shipping information e.g. shipping address, phone number and email, you can do so via the Atome app.
Why is my account being rejected/suspended? Why can't I make a purchase?
We are very sorry to know that you are unable to make a purchase and that your account has been suspended. There are various reasons why an Atome account may be suspended:
Issues at User Identity Verification
1) If the card is not a government-issued identity card that is distributed and recognised by the country where you are a citizen or resident, and/or
2) If the Identification card is unclear or a scanned copy, and/or
3) If the full name on the identity card does not match with the full name on your registered Atome account.
Account security at risk
If we suspect that an account has been compromised, we may suspend it until it can be secured and restored to the account owner in order to reduce potentially malicious activity caused by the compromise.
Overdue payments
You may have overlooked your payments and as a result your account was temporarily suspended. Please make the necessary payments so that your account can be activated.
Technical issue
There could be rare occurrences of technical error from our end that could result in an account being suspended.
In order for us to investigate the cause of the suspended account, please submit a request with your name, registered phone number and registered email.
Issues at User Identity Verification
1) If the card is not a government-issued identity card that is distributed and recognised by the country where you are a citizen or resident, and/or
2) If the Identification card is unclear or a scanned copy, and/or
3) If the full name on the identity card does not match with the full name on your registered Atome account.
Account security at risk
If we suspect that an account has been compromised, we may suspend it until it can be secured and restored to the account owner in order to reduce potentially malicious activity caused by the compromise.
Overdue payments
You may have overlooked your payments and as a result your account was temporarily suspended. Please make the necessary payments so that your account can be activated.
Technical issue
There could be rare occurrences of technical error from our end that could result in an account being suspended.
In order for us to investigate the cause of the suspended account, please submit a request with your name, registered phone number and registered email.
How do I close my account?
You can close the account by submitting a request so that we can properly close the account.
We need your support to the following if required, before your account can be considered closed:
1) Any amounts due to us or the Assignee are unpaid. We may limit your ability to use your Account;
2) You are subject to any investigation, in connection with or arising out of your use of Atome Services or Deferred Payment Structure; or
3) There are any outstanding disputes between you, us or any Merchants.
We need your support to the following if required, before your account can be considered closed:
1) Any amounts due to us or the Assignee are unpaid. We may limit your ability to use your Account;
2) You are subject to any investigation, in connection with or arising out of your use of Atome Services or Deferred Payment Structure; or
3) There are any outstanding disputes between you, us or any Merchants.
What kind of payment methods are accepted?
You can check and pay your bill in the Atome app. For payment, we recommend that you use the VA (Virtual Account) available in our application.
What do I have to do after I have made a purchase?
To make things easy and convenient, we have automated your future payments. You do not have to worry about late repayment, so long as the card bound to your Atome account is valid and has sufficient value.
We will also be sending different messages - reminders and payment status via SMS for all your upcoming payments.
You may also refer to the Atome app to keep track of your payments:
Go to "Bills" and click transaction for more payment details.
We will also be sending different messages - reminders and payment status via SMS for all your upcoming payments.
You may also refer to the Atome app to keep track of your payments:
Go to "Bills" and click transaction for more payment details.
If I pay late, will I be fined?
You will be charged an accumulative late fee, as follows:
- 1 day late: IDR 50,000
- 7 days late: IDR 30,000
If you are 8 days late, you will be charged an accumulative late fee up to the 7th day, which is Rp. 80,000
- 1 day late: IDR 50,000
- 7 days late: IDR 30,000
If you are 8 days late, you will be charged an accumulative late fee up to the 7th day, which is Rp. 80,000
May I defer my repayment?
We are sorry to hear about your current situation. Unfortunately, we must inform you that it is not possible to delay payment. If there is a delay in payment, a fine will be applied according to the existing provisions.
How do I refund my purchase?
Please note that product returns are at the discretion of each brand, which can usually be found on their website or by contacting them directly.
If merchant processes a refund, it will be reflected in your order details under "Bill" in the Atome app.
The refund process will take 5 (five) working days after the date of your order, refunds can be made in the form of a reversal. The refund money will be transferred to your bank account. Our Customer Service will contact you to assist with the refund process.
If merchant processes a refund, it will be reflected in your order details under "Bill" in the Atome app.
The refund process will take 5 (five) working days after the date of your order, refunds can be made in the form of a reversal. The refund money will be transferred to your bank account. Our Customer Service will contact you to assist with the refund process.
How does the partial refund work?
Partial Refunds are back again depending on each Brand's policy, which can usually be found on their website or by contacting them directly. If Brand processes a refund, it will be reflected in your order details under "Billing" in the Atome app.
What is “non-refundable” voucher amount?
If you had applied a voucher in your order and requested for a partial refund, you should only receive:
Receivable refund amount = Requested refund amount - Non-refundable voucher amount.
To avoid voucher abuse, we will deduct the voucher amount applied to the refund amount each time a partial refund is requested.
Receivable refund amount = Requested refund amount - Non-refundable voucher amount.
To avoid voucher abuse, we will deduct the voucher amount applied to the refund amount each time a partial refund is requested.
What is the processing time for a refund?
Atome will send your money back within 5 (five) working days.
What are the terms and conditions for a voucher/promo code?
1. Vouchers are valid only on the Atome mobile application. Promo codes are valid only on the Atome website and mobile application.
2. Users must download the latest version of Atome mobile application in order to utilise the voucher/promo codes.
3. Use of any voucher/promo code must be indicated at the time of payment, and all information required by Atome must be provided. No retroactive use of the voucher/promo code is permitted.
4. Each transaction may only use one voucher or one promo code.
5. Unless otherwise stated, vouchers/promo codes are not valid in conjunction with other promotions or discounts.
6. Vouchers/promo codes cannot be refunded, redeemed or exchanged for cash. If an order is less than the value of the voucher/promo code, no refund or residual credit will be returned.
7. Additional terms and conditions may be specified in relation to specific voucher/promo codes (for example, duration, discount amount and products covered), and will govern the use and redemption of those voucher/promo codes in addition to these terms.
8. Atome may exclude individual brands from voucher/promo codes in accordance with our sales strategies.
9. Atome reserves the right to cancel or modify orders, or revoke the use of voucher/promo codes, where the vouchers/promo codes are used in the following circumstances:
• Suspicious or fraudulent use;
• Voucher/promo code abuse, including vouchers/promo codes redeemed using multiple accounts or multiple checkouts associated with the same customer or group of customers; and/or
• Vouchers/promo codes used in bad faith
10. Resale, transfer and sharing of voucher/promo codes are strictly prohibited.
11. Atome assumes no liability for the loss, theft or ineligibility of voucher/promo codes.
12. Atome reserves the right to change these terms or cancel any promotions at any time without giving prior notice or compensation in cash or in kind.
13. Atome’s decision on all matters relating to promotions, discount, voucher/promo codes and other privileges is final and binding.
2. Users must download the latest version of Atome mobile application in order to utilise the voucher/promo codes.
3. Use of any voucher/promo code must be indicated at the time of payment, and all information required by Atome must be provided. No retroactive use of the voucher/promo code is permitted.
4. Each transaction may only use one voucher or one promo code.
5. Unless otherwise stated, vouchers/promo codes are not valid in conjunction with other promotions or discounts.
6. Vouchers/promo codes cannot be refunded, redeemed or exchanged for cash. If an order is less than the value of the voucher/promo code, no refund or residual credit will be returned.
7. Additional terms and conditions may be specified in relation to specific voucher/promo codes (for example, duration, discount amount and products covered), and will govern the use and redemption of those voucher/promo codes in addition to these terms.
8. Atome may exclude individual brands from voucher/promo codes in accordance with our sales strategies.
9. Atome reserves the right to cancel or modify orders, or revoke the use of voucher/promo codes, where the vouchers/promo codes are used in the following circumstances:
• Suspicious or fraudulent use;
• Voucher/promo code abuse, including vouchers/promo codes redeemed using multiple accounts or multiple checkouts associated with the same customer or group of customers; and/or
• Vouchers/promo codes used in bad faith
10. Resale, transfer and sharing of voucher/promo codes are strictly prohibited.
11. Atome assumes no liability for the loss, theft or ineligibility of voucher/promo codes.
12. Atome reserves the right to change these terms or cancel any promotions at any time without giving prior notice or compensation in cash or in kind.
13. Atome’s decision on all matters relating to promotions, discount, voucher/promo codes and other privileges is final and binding.
Where can I add a promotional code for my order?
You can apply your promotional code at the payment confirmation page in the Atome app.
Steps:
1) After you have scanned the QR code with your Atome app at the cashier, you will see a confirmation page showing the total purchase amount and breakdown details of each repayment. Please select your voucher at the bottom right of the screen.
2) Enter the promotional code you wish the apply and click "Confirm"
3) You should see the total amount being adjusted to (original - promotional code amount). Please check the details before clicking "Pay".
Steps:
1) After you have scanned the QR code with your Atome app at the cashier, you will see a confirmation page showing the total purchase amount and breakdown details of each repayment. Please select your voucher at the bottom right of the screen.
2) Enter the promotional code you wish the apply and click "Confirm"
3) You should see the total amount being adjusted to (original - promotional code amount). Please check the details before clicking "Pay".
Where can I find and use my vouchers?
At Atome, we strive to provide our users with the best deals.
To view vouchers, please go to Atome app:
1) Under "Me", click "Vouchers"
2) Click the icon shown in the "My Vouchers" page to view voucher details
3) Voucher details will show validity period and other information i.e. applicable to which brands/stores
QR scan at physical stores
If you are purchasing items at physical stores, you may apply your voucher at the payment confirmation page
1) After you have scanned the QR code with your Atome app at the cashier, you will see a confirmation page showing the total purchase amount and breakdown details of each repayment. Please select your voucher at the bottom right of the screen.
2) Select the voucher you wish the apply and click "Confirm"
3) You should see the total amount being adjusted to (original - voucher amount). Please check the details before clicking "Pay".
1) At the checkout page, click “Atome” and place your order
2) If you are using browser:
Once you have placed your order, you will be routed to a page where it features 2 options - a) Pay using App or b) Continue in browser
2a) If you choose to scan the QR code, you will need to use your app "Pay" function to be routed to the app page below. You can insert your voucher at the bottom of the page. Click “2 available”.
Select the voucher you wish to use and confirm (-$amount)
2b) You may also complete the purchase by staying in the browser. Once you have input your registered phone number and OTP, click "Next", and there will be a payment confirmation page.
To view vouchers, please go to Atome app:
1) Under "Me", click "Vouchers"
2) Click the icon shown in the "My Vouchers" page to view voucher details
3) Voucher details will show validity period and other information i.e. applicable to which brands/stores
QR scan at physical stores
If you are purchasing items at physical stores, you may apply your voucher at the payment confirmation page
1) After you have scanned the QR code with your Atome app at the cashier, you will see a confirmation page showing the total purchase amount and breakdown details of each repayment. Please select your voucher at the bottom right of the screen.
2) Select the voucher you wish the apply and click "Confirm"
3) You should see the total amount being adjusted to (original - voucher amount). Please check the details before clicking "Pay".
1) At the checkout page, click “Atome” and place your order
2) If you are using browser:
Once you have placed your order, you will be routed to a page where it features 2 options - a) Pay using App or b) Continue in browser
2a) If you choose to scan the QR code, you will need to use your app "Pay" function to be routed to the app page below. You can insert your voucher at the bottom of the page. Click “2 available”.
Select the voucher you wish to use and confirm (-$amount)
2b) You may also complete the purchase by staying in the browser. Once you have input your registered phone number and OTP, click "Next", and there will be a payment confirmation page.
What should I do if my vouchers are not selected at the checkout?
Unfortunately, if the voucher fails to use it, the voucher/promo code cannot be returned, exchanged, or exchanged for cash either.
However, if you think this is due to a technical issue, please send us a request.
You can view the Order ID in the "Bill" in your Atome app or a screenshot of the entire order page to us
However, if you think this is due to a technical issue, please send us a request.
You can view the Order ID in the "Bill" in your Atome app or a screenshot of the entire order page to us
Why are the vouchers not being reflected in the checkout page?
If the vouchers are not reflected in the checkout page, there is a possibility that your purchase has not met the voucher requirements. You may view the voucher details in the Atome app:
1) Under "Me", click "Vouchers"
2) See minimum spending at this page. Click the icon shown in the "My Vouchers" page to view voucher details. Vouchers can also be found at "History".
3) Voucher details will show validity period and other information i.e. applicable to which brands/stores and store type
If your purchase has met the voucher requirements, please submit a request to us.
You may view the Order ID at "Bills" in your Atome app or screenshot the entire order page to us.
1) Under "Me", click "Vouchers"
2) See minimum spending at this page. Click the icon shown in the "My Vouchers" page to view voucher details. Vouchers can also be found at "History".
3) Voucher details will show validity period and other information i.e. applicable to which brands/stores and store type
If your purchase has met the voucher requirements, please submit a request to us.
You may view the Order ID at "Bills" in your Atome app or screenshot the entire order page to us.
Why are the vouchers not being reflected in the checkout page?
We're sorry to hear about your experience with our Atome app. Please submit a request with a screenshot of your "Voucher" page.
Vouchers can be found in "history" and Order ID (if you have made a purchase without using a voucher).
If you have made a purchase without a voucher, please provide us with the Order ID in the "Bill" in your Atome app, you can also take a screenshot of the order page to us.
Vouchers can be found in "history" and Order ID (if you have made a purchase without using a voucher).
If you have made a purchase without a voucher, please provide us with the Order ID in the "Bill" in your Atome app, you can also take a screenshot of the order page to us.
Why does Atome collect my personal information?
- User identification
In order to consider and/or process your application to become our customer/user, we need a photo of your ID card and a photo of you together with your ID.
- To prevent fraud
To prevent or investigate any fraud, omission of unlawful activity, or wrongful act, whether or not there is suspicion of the foregoing; handle and/or investigate complaints.
- Compliance with regulations
To comply with or as required by applicable law, governmental or regulatory requirements of any jurisdiction that applies to us.
In order to consider and/or process your application to become our customer/user, we need a photo of your ID card and a photo of you together with your ID.
- To prevent fraud
To prevent or investigate any fraud, omission of unlawful activity, or wrongful act, whether or not there is suspicion of the foregoing; handle and/or investigate complaints.
- Compliance with regulations
To comply with or as required by applicable law, governmental or regulatory requirements of any jurisdiction that applies to us.
How is my personal information being protected?
At Atome, we understand how important security is so we ensure that your personal information is protected. Our Privacy Policy for Atome Indonesia explains how we may collect, use, store and safeguard any personal data you provide to us.
My phone has been stolen/lost, what should I do if someone is using my account to make a purchase?
We are sorry to hear that your phone has been stolen or lost. Please submit a request to us with your personal details such as your registered phone number and email address so that we can put a block to your account immediately. Kindly also call your card issuer to report the loss of your phone so that they can block your card which anyone can use via your phone.
For any purchases that were not made by you, immediately contact your bank and report the unauthorised charge. Please report fraudulent charges to your bank as soon as you know about them so that they can advise you on the next steps.
For any purchases that were not made by you, immediately contact your bank and report the unauthorised charge. Please report fraudulent charges to your bank as soon as you know about them so that they can advise you on the next steps.
Is Atome already registered in OJK?
Atome is not a financial institution but an e-commerce application operated by PT Mega Shopintar Indonesia. Basically Atome connects prospective customers with other loan providers which can be P2P companies (in this case Kredit Pintar), finance companies (in this case Atome Finance Indonesia) or financial institutions registered and supervised by the OJK. This has also been described in the Atome Terms & Conditions.
What is Service Fee?
A fee charged for transactions made with Atome by users, for 6 and 12 months installments. This changed valid as of March 31st, 2022.
How much does the Service Fee cost?
The service fee will be charged 0.5 - 2.95% depending on the user profile as previously determined by Atome. This fee will be added to the total bill paid each month. Users is able to see the service fees when choosing the installment on the Atome application.
How does it work?
Here's a sample breakdown of how payment fees are calculated:
Order amount: Rp 650.000
Atome voucher: Rp 50.000 off
Final order amount: Rp 600.000
Pay in 3:
Payment fee (1% of final order amount) : 1% x Rp 600.000 = Rp 6.000
Monthly bill repayment: (Rp 600.000/3) + (Rp 6.000/3) = Rp 202.000
What you pay monthly for a 3-month tenure: Rp 202.000
Pay in 6:
Payment fee (1% of final order amount) : 1% x Rp 600.000 = Rp 6.000
Service fee (1.5%* of final order amount on each repayment): 1.5% x Rp 600.000 x 6 = 54.000
Monthly bill repayment: (Rp 600.000/6) + (Rp 54.000/6) + (Rp 6.000/6) = Rp 110.000
What you pay monthly for a 6-month tenure: Rp 110.000
*Service fees vary based on merchant
Order amount: Rp 650.000
Atome voucher: Rp 50.000 off
Final order amount: Rp 600.000
Pay in 3:
Payment fee (1% of final order amount) : 1% x Rp 600.000 = Rp 6.000
Monthly bill repayment: (Rp 600.000/3) + (Rp 6.000/3) = Rp 202.000
What you pay monthly for a 3-month tenure: Rp 202.000
Pay in 6:
Payment fee (1% of final order amount) : 1% x Rp 600.000 = Rp 6.000
Service fee (1.5%* of final order amount on each repayment): 1.5% x Rp 600.000 x 6 = 54.000
Monthly bill repayment: (Rp 600.000/6) + (Rp 54.000/6) + (Rp 6.000/6) = Rp 110.000
What you pay monthly for a 6-month tenure: Rp 110.000
*Service fees vary based on merchant
Does it apply to all Tenors?
No! This service fee only applies to installments with a tenor of 6 and 12 months. For 3 months installments still with 0% interest
Is service fee apply to all merchants?
Yes, the service fee applies on all merchants that accept Atome, for 6 & 12 months installment
Does making a full payment still incur a service fee?
Yes, when you make a full payment, it will be added directly to the total service fee until the end of the payment tenor. Example:
- Total bill: IDR 6 million/6month = IDR 1 million
- Monthly service fee : 0,5% x 6 million IDR = 30k IDR
- Total monthly installments: IDR 1 million + IDR 30 thousand = IDR 1,030 thousand
- Total billing : 1,030k x 6 months = Rp6,180,000
If you make full payment on the 3rd month, then the total payment is:
- Remaining bill: IDR 4 million
- Service fee: 30 thousand x 4 months = IDR 120 thousand
- Total payment: 4 million + 360k = IDR 4,120,000
- Total bill: IDR 6 million/6month = IDR 1 million
- Monthly service fee : 0,5% x 6 million IDR = 30k IDR
- Total monthly installments: IDR 1 million + IDR 30 thousand = IDR 1,030 thousand
- Total billing : 1,030k x 6 months = Rp6,180,000
If you make full payment on the 3rd month, then the total payment is:
- Remaining bill: IDR 4 million
- Service fee: 30 thousand x 4 months = IDR 120 thousand
- Total payment: 4 million + 360k = IDR 4,120,000
Is it the same as the membership fee?
No, starting from March 31, 2022, the membership fee will be removed. We will be using service fees only, that is applied for 6 and 12-month installment tenors.
What is the difference between service fee and interest?
Atome's 'Interest' is still 0% for every transaction made by a customer. Meanwhile, starting March 31, 2022, Atome's users will be charged a 'Service Fee' for every transaction made, especially for those who choose 6 and 12-month installments.
If you do a refund, do you still have to pay a service fee?
1. If you do a 'Full Refund' there are two conditions, as follows:
a. Full refund but has already paid the bill, for example:
You have started paying bills in the first 2 months and then in the 3rd month do a 'full refund', then the funds will be fully refunded according to the initial transaction but the service fee that has been paid in the first 2 months will not be refunded.
b. Full refund but haven't started paying the bill yet, for example:
You just made a transaction at store A, then the next day you immediately make a refund, then the funds will be fully refunded and you don't need to pay a service fee at all.
2. If you do a 'Partial Refund', then you must still pay the service fee for the remaining bill that is not refunded.
a. Full refund but has already paid the bill, for example:
You have started paying bills in the first 2 months and then in the 3rd month do a 'full refund', then the funds will be fully refunded according to the initial transaction but the service fee that has been paid in the first 2 months will not be refunded.
b. Full refund but haven't started paying the bill yet, for example:
You just made a transaction at store A, then the next day you immediately make a refund, then the funds will be fully refunded and you don't need to pay a service fee at all.
2. If you do a 'Partial Refund', then you must still pay the service fee for the remaining bill that is not refunded.
What are payment fees?
Payment fees are chargeable for the processing of every transaction made on the Atome platform.
Effective for all transactions starting December 29, 2022, these fees are introduced by PT Atome Finance Indonesia, which is licensed and supervised by Otoritas Jasa Keuangan.
Transactions made prior to December 29, 2022 will not be charged with payment fees.
Effective for all transactions starting December 29, 2022, these fees are introduced by PT Atome Finance Indonesia, which is licensed and supervised by Otoritas Jasa Keuangan.
Transactions made prior to December 29, 2022 will not be charged with payment fees.
How much do payment fees cost?
1% of the final order amount (after Atome voucher discount).
Do payment fees apply to every order?
Yes, this fee is applicable to every transaction made.
Will service fees be incurred upon early full repayment?
In the event that you choose to make early repayments, you will continue to be charged service fees for the full payment schedule.
What is the difference between service fee and payment fee?
Service fees are charged to cover service costs across longer tenures, namely 6 and 12 months. Payment fees help to cover the processing costs for each repayment cycle.
Will payment fees be charged in the event of a refund?
In the event of a refund, any applicable payment fees paid will not be refunded.
Will payment fees be chargeable for users that opt for early repayment?
For users that choose to make early repayment, a payment fee will still be chargeable, according to their selected tenure.