Atome is a "buy now, pay later" mobile app that splits your bill into three equal payments over three months. The mobile app is free to download and free to use for consumers: Atome charges zero interest and zero service fees.

Download Atome App, sign up with your mobile number and complete the OTP verification. Complete personal information. Binding your payment card. Verify your identity with PHID card (must be clearly photographed) - registration completed.

As a general guideline, the spending limit will be PHP15,000 for new debit card users and PHP30,000 for new credit card users. However, your purchase may still be declined due to a variety of other factors which Atome uses to determine the approval of the transaction.