Atome Philippines Merchant List and Merchant Guide for 2026

Your customer adds ₱5,000 worth of shoes. Sees the total. Abandons the cart. Atome lets them split that into three zero-interest payments — and it works at 6,000+ Philippine partner stores. This covers the full merchant list by category, what Atome charges sellers, and how to join the program.

What Is Atome and Which Philippine Merchants Accept It?

Atome is a Singapore-founded buy now, pay later platform that splits consumer purchases into 3 equal installments at 0% interest. Launched in the Philippines in December 2019 under Advance Intelligence Group, Atome operates across 6,000+ Philippine merchant partners in fashion, electronics, beauty, lifestyle, travel, and dining, per Atome’s official Philippine merchant announcements.

Atome’s core consumer proposition is straightforward: split any eligible purchase into three equal payments. One-third at checkout. One-third at 30 days. One-third at 60 days. Zero interest when payments are made on time.

For merchants, Atome pays you the full transaction amount upfront. Atome handles the installment collection from the consumer directly. The credit risk sits with Atome, not with your store.

Atome’s Philippine merchant network by category, based on Atome’s official partner announcements:

This is a partial list. Atome adds partner stores continuously. The current live merchant directory is at atome.ph.

The Atome Card extends reach beyond the partner list. Via Mastercard, the Atome Card allows consumers to use installment-style payments anywhere Mastercard is accepted — including stores that are not formal Atome merchant partners. Consumer spending limits go up to ₱200,000, with 0% interest for up to 40 days and installment plans up to 6 months, per atome.ph’s published consumer terms.

For merchants that already accept Mastercard payments, Atome Card transactions arrive like any standard Mastercard charge. No additional Atome merchant integration is required to accept Atome Card — only to appear in Atome’s in-app merchant directory.

Atome operates in the Philippines as a financing arrangement and is part of Advance Intelligence Group, which holds operations across 8 Southeast Asian markets including Singapore, Malaysia, Indonesia, Hong Kong, Thailand, Vietnam, and Mainland China.

What Does Atome Charge Philippine Merchants?

Atome does not publicly list merchant discount rates (MDR) for the Philippines. Rates are negotiated per merchant based on category, monthly volume, and integration path. Settlement is full and upfront — you receive 100% of the transaction value when the consumer checks out; Atome collects the three consumer installments directly.

Atome’s non-disclosed MDR structure is standard among BNPL providers across Southeast Asia. For a publicly disclosed benchmark: BillEase charges 1.5% per transaction when processed through Xendit Philippines, per Xendit’s published pricing page. Use this figure as a reference point when entering Atome merchant negotiations.

Before signing any Atome merchant agreement, confirm whether the following fees apply specifically to Philippine merchants:

• Setup or onboarding fees — not disclosed publicly; confirm directly with Atome’s merchant team
• Monthly minimum fees — not listed in Atome’s Philippine merchant documentation
• Chargeback or dispute fees — verify with Atome before signing; BNPL providers handle disputes differently from card networks
• Currency conversion fees — relevant only if your store prices in USD or other currencies

None of these are documented on Atome’s Philippine-facing merchant pages as of this writing. Direct confirmation from Atome before signing protects your margin calculation.

Comparing BNPL options for your Philippine store? See how Atome, BillEase, GCash PayLater, and other local providers compare — fee by fee. Browse the Philippines BNPL Guide

What Are the Pros and Cons of Enabling Atome on Your Philippine Store?

Pros

• 6,000+ active Philippine merchant partners. Atome’s size in the Philippines is not speculative — the merchant network across fashion, beauty, electronics, and lifestyle confirms real consumer adoption. Enabling Atome puts your store alongside brands Philippine consumers already use Atome with.
• Full upfront settlement. Your cash flow is not tied to the consumer’s repayment schedule. You collect 100% of the sale value when the transaction happens; Atome absorbs any default risk from the consumer.
• Atome Card extends your reach to Mastercard holders. Consumers with the Atome Card can pay at your store using installments even if you are not a listed Atome merchant partner — as long as you accept Mastercard payments. This is a meaningful benefit for merchants already integrated with card-accepting gateways.
• 0% interest consumer experience. Atome’s zero-interest pitch removes a major checkout objection without requiring your store to run a financing campaign or explain the mechanics to buyers.
• Targets aspirational millennial and Gen Z buyers. Atome’s Philippine merchant mix (Sephora, ZALORA, ALDO, Charles & Keith) signals the consumer demographic Atome has built. If your product catalog overlaps with these categories, you are selling to an audience already using Atome elsewhere.

Cons

• MDR is not disclosed upfront. You cannot calculate per-transaction cost or ROI before entering negotiations. Unlike BillEase’s 1.5% MDR via Xendit — a publicly disclosed rate — Atome’s fee is unknown until you negotiate directly with their merchant team. This makes pre-launch margin planning harder.
• No self-serve merchant sign-up. Most Philippine merchants need to go through Atome’s merchant team directly, with no guaranteed approval timeline. This adds lead time compared to payment gateways that offer same-day activation.
• Consumer installment period is capped at 3 payments over 60 days. For higher-ticket items above ₱15,000 where consumers want longer repayment terms, Atome’s standard flow may not be sufficient. BillEase offers terms up to 12 months for the same consumer base.
• No published activation timeline. Atome does not disclose how long merchant onboarding takes from application to go-live. Philippine merchant community reports suggest planning for several weeks between application and activation.

What Are the Alternatives to Atome for Philippine Sellers?

BillEase

BillEase is a Philippine SEC-regulated BNPL app that gives consumers a revolving credit limit of up to ₱40,000, repayable over 30 days to 12 months. Unlike Atome, BillEase targets unbanked Filipinos: consumers need only one valid government ID, proof of income, and proof of billing for approval. Per billease.ph, 70% of applicants are approved on the spot.

The merchant fee is 1.5% per transaction when processed via Xendit Philippines, per Xendit’s published pricing. This is the only BNPL MDR figure that is publicly disclosed in the Philippine market — making pre-launch ROI calculation straightforward before you commit to the integration.

BillEase fits: merchants selling consumer electronics, mobile phones, appliances, and home goods where higher-ticket purchases (₱5,000–₱40,000) and longer installment terms (3–12 months) drive the conversion.

For a detailed breakdown: BillEase Review for Philippine Ecommerce Merchants

GCash PayLater

GCash GLoan and GCredit give GCash account holders access to a credit line for purchases at GCash-accepting merchants. For stores that already accept GCash payments through PayMongo, Xendit, or direct GCash for Business integration, eligible consumers can use their GCash credit line at checkout without requiring a separate BNPL agreement with your store.

GCash’s payment infrastructure has broad reach among Philippine consumers, making this the widest BNPL-adjacent option for merchants already in the GCash ecosystem. The merchant side requires no additional BNPL-specific contract — GCash credit availability is determined at the consumer level.

GCash PayLater fits: merchants with existing GCash integration who want installment-style access for their existing buyer base without managing a separate BNPL provider relationship.

Maya PayLater

Maya (formerly PayMaya) offers a PayLater feature that allows Maya account holders to defer or split purchases at Maya-accepting checkouts. Merchants integrated with PayMongo or Maya’s payment APIs can enable Maya PayLater as a checkout option. Maya PayLater works within the consumer’s existing Maya credit limit and does not require a separate merchant application beyond activating the option in your payment settings.

Maya PayLater fits: merchants already on Maya’s payment infrastructure who want to activate BNPL-adjacent functionality for their existing Maya-paying customers at minimal integration cost.

Who Should Enable Atome on Their Philippine Store?

Atome fits Philippine ecommerce sellers in fashion, beauty, lifestyle, accessories, and aspirational consumer electronics — specifically those targeting millennial and Gen Z consumers who are card-holding but prefer installment payment flows at checkout.

Atome is a strong fit for your store if:

• Your average order value sits between ₱1,500 and ₱10,000 — Atome’s 3-installment structure works best in this range, where each payment feels manageable to the consumer
• Your product categories overlap with fashion, beauty, wellness, lifestyle, travel, or accessories — Atome’s named merchant network confirms where their Philippine consumer base is most active
• Your target buyer is a millennial or Gen Z consumer who shops at ZALORA, Sephora, or ALDO and already has the Atome app installed
• You have sufficient monthly volume to negotiate a favorable MDR — BNPL providers across SEA markets typically offer better rates at higher transaction volumes, per merchant community reports

Atome is a less suitable fit if:

• Your average order value is below ₱800 or above ₱20,000. Below ₱800, the installment overhead and MDR erode margin without meaningful conversion uplift. Above ₱20,000, consumers typically want longer terms than 3 installments over 60 days.
• You need fee transparency before signing. If your margin model requires a known MDR before committing to a BNPL integration, Atome’s non-disclosed Philippine rates are a blocker. Start with BillEase via Xendit for a disclosed benchmark, then add Atome once your BNPL baseline is established.
• Your primary buyer already uses GCash or Maya as their main payment method. In that case, activating GCash PayLater or Maya PayLater through your existing gateway integration reaches the same consumer with less contracting friction.

For merchants selling consumer electronics and appliances alongside fashion, the most effective approach is running Atome and BillEase in parallel: Atome for the 3-installment fashion and lifestyle buyer; BillEase for the 12-month electronics buyer. The two providers address different conversion scenarios and do not compete for the same checkout intent.

Frequently Asked Questions

What stores accept Atome in the Philippines?

Atome operates across 6,000+ Philippine merchant partners in fashion, electronics, beauty, lifestyle, and travel. Named partners per Atome’s official announcements include ZALORA, Sephora, SHEIN, Zara, Marks & Spencer, ALDO, Charles & Keith, Anker, OGAWA, Agoda, Pandora, Watch Republic, and Browhaus. The current live merchant directory is at atome.ph, updated as new partners are added.

How do I become an Atome merchant in the Philippines?

Submit an application via Atome’s merchant portal at atome.ph or contact Atome’s Philippine merchant team directly. Atome reviews your business type, product category, average order value, and monthly transaction volume before approving the merchant agreement. Alternatively, apply through HitPay Philippines — HitPay’s onboarding process includes Atome activation without requiring a separate Atome merchant application.

What are Atome’s merchant fees in the Philippines?

Atome does not publish merchant discount rates for the Philippines publicly. Fees are negotiated per merchant based on category, volume, and integration path. For a comparison benchmark, BillEase charges 1.5% MDR per transaction when processed through Xendit Philippines, per Xendit’s published pricing. Use this as a reference point before entering Atome fee negotiations.

How does Atome compare to BillEase for Philippine sellers?

Atome targets aspirational lifestyle buyers with 3-installment, 60-day terms and consumer limits up to ₱200,000 via the Atome Card. BillEase targets unbanked Filipinos with terms from 30 days to 12 months and credit limits up to ₱40,000. BillEase’s 1.5% MDR via Xendit is publicly disclosed; Atome’s is not. For higher-ticket electronics, BillEase is the stronger fit. For fashion, beauty, and lifestyle at ₱1,500–₱10,000 AOV, Atome’s established Philippine consumer base is larger.

Does Atome settle the full payment amount to merchants upfront?

Yes. As an Atome merchant, you receive the full purchase amount from Atome when the consumer completes checkout. Atome handles the three installment collections from the consumer — your revenue is not split across the consumer’s repayment schedule. Verify the exact payout timeline and any settlement holds with Atome’s merchant team before signing the merchant agreement.

Keep Reading

• BillEase Review for Philippine Ecommerce Merchants: Fees, Terms, and Integration
• BillEase Merchant Guide: Registration, Integration, and Fees for Philippine Sellers
• Buy Now Pay Later for Ecommerce: Philippines Guide