Atome Malaysia on Curlec: Driving Sales with Buy Now, Pay Later

Buy Now, Pay Later (BNPL) is quickly becoming one of the most preferred payment methods in Southeast Asia, especially among younger, mobile-first consumers. The BNPL market in the region is expected to reach $53.2B by 2027 and it’s largely due to its nature as a flexible, interest-free installment option. Driven by digital transformation and evolving customer preferences, BNPL has seen massive adoption. In Malaysia, example of BNPL options are Atome Malaysia, Grab PayLater, ShopBack PayLater, and more. 

Who’s Leading The Local BNPL Landscape

Malaysia’s BNPL ecosystem has seen significant activity over the past few years. The number of active BNPL users has reached 5.1 million by the end of 2024, a clear jump from 4.2 million in June within the same year. This growth is fuelled by increasing mobile usage, rising online retail adoption, and shifting financial habits. That’s a strong indicator that BNPL isn’t just a passing fad; it’s becoming a preferred payment method among younger, digitally-savvy consumers who want more control over their cash flow. As such, several key players have entered the space, each offering different variations of instalment-based payment models:

• Atome Malaysia: With a strong presence across Southeast Asia, Atome allows users to split purchases into three equal monthly instalments at 0% interest. It’s widely used across categories like fashion, beauty, electronics, and more.
• Grab PayLater: Offered as part of Grab’s super app, this option lets users defer payments or split into monthly instalments, especially useful for frequent Grab ecosystem users.
• ShopBack PayLater: Tapping into the cashback and deals crowd, ShopBack’s BNPL option appeals to value hunters looking to stretch their ringgit further.

BNPL isn’t just about giving customers more time to pay, it’s about helping your business grow, without adding operational burden. These key players are a strategic lever, not only to improve conversions but to also stay competitive in a landscape where payment flexibility is fast becoming a baseline expectation.

Enter Atome Malaysia via Curlec 

To support businesses in tapping into this growing demand, Atome Malaysia is now available as a BNPL payment method directly through the Curlec Payment Gateway. Whether you’re running an e-commerce store or managing an online Payment Page, integrating Atome as a BNPL payment method is simple, with no added complexity.

Its appeal lies in its simplicity. Three monthly payments, zero interest, and an easy onboarding process have made Atome a go-to for consumers who want to spread out their spending without resorting to traditional credit cards or loans.

Atome’s reputation and traction in Malaysia make it an ideal BNPL partner and with its addition to the Curlec Payment Gateway, merchants now have a direct, seamless way to offer BNPL to customers at the point of payment.

Why Atome Malaysia?

Adding Atome to your payment options comes with a host of business benefits, designed to help you drive more sales, reduce friction at checkout, and improve customer retention.

Here’s what merchants can expect:

1. Boost conversions with flexible payments
2. Increase Average Order Value (AOV) through instalment-based purchases
3. Zero integration headache
4. Get paid upfront in full

What About Your Customers?

BNPL solutions only work if they benefit both sides and Atome through Curlec is a strong contender thanks to its user-first design.

Here’s what your customers get when they checkout through Atome:

1. Pay in 3 equal monthly instalments – a straightforward structure that avoids long-term debt or complex financing.
2. 0% interest, no hidden fees – what they see is what they pay, no surprises.
3. Instant approval and easy checkout – all done within seconds during checkout.

Getting Started, Whether You’re New or Existing

If you’re already using the Curlec Payment Gateway, activating Atome as a payment method is as simple as reaching out to your Curlec account manager. There’s no separate contract needed, and your brand can begin offering BNPL payments within days.

Not yet using Curlec? Now’s a great time to onboard.

Our all-in-one Payment Gateway gives businesses access to a complete payment stack that includes access to unlimited e-invoicing, Payment Links, Payment Pages, Subscriptions, and more. Whether you’re running an online store, invoicing clients, or looking to grow your payment capabilities, Curlec makes it easy to manage, reconcile, and scale your business through one platform.

Why Curlec and Why Now?

Consumer habits are evolving, and businesses that offer payment choices will stand out. Customers today expect convenience when shopping online and by introducing Atome, we’re making it easier for businesses to meet that expectation head-on. From frictionless checkout experiences to tools that improve sales and simplify payment management, our goal is to help you run and grow your business; one transaction at a time.

🚀 Already a merchant and curious to activate Atome?
Click below to onboard or speak to your account manager today. 

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