Side by side
Affirm vs Atome
Both stand on buy now, pay later platforms. Which one you can start free with, which one lets you read the code, and what each costs once you pay.
Free plan AndroidAPIExtension+2
Affirm offers both short-term split payments and monthly installment options, with consumer apps and merchant integration paths. Review the stated APR range, order limits, and repayment terms before choosing a plan.
Visit Affirm Free plan AndroidAPIiPhone+1
Atome offers a no-interest three-payment option at participating merchants, along with longer plans that may include a fee. Shoppers should account for suspension and administration fees if an automatic deduction fails.
Visit AtomeThe facts
| Affirm | Atome | |
|---|---|---|
| Free plan | Yes | Yes |
| Open source | Not published | Not published |
| Runs on | Android, API, Extension, iPhone, Web | Android, API, iPhone, Web |
| Lowest paid plan | Free or on request | Pay-in-12: 0.75 SGD a month |
| Plans published | 3 | 6 |
| Maker | Not published | Not published |
| Website | affirm.com | atome.sg |
| On buy now, pay later platforms | #1 of 26 | #3 of 26 |
Affirm: what it does well
- Pay in 4 has 0% APR.
- Affirm says it charges no late or hidden fees.
- Consumer access includes Android, iOS, web, and Chrome extension.
- Direct API supports Capture, Void, and Refund calls.
- Separate sandbox and live API environments are available.
What to know first
- Rates can reach 36% APR based on credit.
- Pricing is available on request.
- Consumer access is listed for three countries.
Atome: what it does well
- Pay-in-3 has 0% interest.
- Supports online and offline checkout.
- Earns 1 point per S$2 spent.
- Merchant API and POS options are documented.
What to know first
- Longer plans may carry a processing fee.
- Late payment can suspend the account.
- Late-payment administration fees are S$15 or S$30.
- Support is closed on weekends and public holidays.