ATOME Commercial Rates (BNPL):
Nominal Fee: 5% + RM1 per transaction
Refund Fee: 2% + RM1 (Refund right belongs to Merchant, only applicable in case of a refund)
Settlement Terms: Within 1 working day from the date of payment (T+1) less ATOME’s Nominal Fee (Full Payment Upfront)
Setup & Integration Fee: Waived
Registration & Subscription Fee: Waived
User Credit Limit: Debit – RM1,500 / Credit – RM5,000
Marketing Support: Listing of Brand on Platform & Access to ATOME Merchant Dashboard (to track/ monitor sales & transactions)
Merchant Support to Assist with Online & Offline Integration (based on Webstore platform i.e. Shopify, WooCommerce, EasyStore etc)
ATOME Registration Form:

Due to risk and compliance factors, PayHalal & ATOME will not be able to feature merchants with business in risky segments such as Electronics, Real Estate, Gold etc.

Merchants with businesses in Fashion, Beauty (Products & Services), Home & Living, Health Supplements, Optical, etc are acceptable.