Recherchez et comparez les tarifs de plus de 600 compagnies aériennes sur Laters, puis divisez le coût avec Atome — un arrangement de crédit qui vous permet d'étaler votre tarif aérien en paiements gérables. Comme pour tout produit de crédit, l'approbation n'est pas garantie et une vérification de crédit s'applique.
Édité par Adinda Irawan
Atome fonctionne sur tous les vols Laters — toutes les compagnies aériennes, routes et classes tarifaires. Sélectionnez-le à la caisse, et votre billet électronique est émis une fois le paiement confirmé. Le plan Pay in 3 d'Atome, disponible en Asie du Sud-Est et au-delà, est un produit de crédit, donc l'approbation n'est pas garantie et une vérification de crédit s'applique.
Most airlines don't offer Atome at their own checkout. Singapore Airlines, Malaysia Airlines and AirAsia across Southeast Asia have no native Atome option, and neither do Cathay Pacific or Hong Kong Airlines out of Hong Kong. Book any of them through Laters.com instead, and Atome sits right there at checkout. You select Atome, pick a plan that fits your budget, and the e-ticket is issued once payment is confirmed.
Pay in 3 is Atome's flagship plan and runs interest-free across the Southeast Asian and East Asian markets we cover, while longer pay-monthly plans stretch the cost further but some carry interest and a soft credit check applies. This holds whether you're booking a long-haul business seat or a short domestic hop, and all plans are subject to approval and available to travellers aged 18 and over. Check the Atome Malaysia instalment plans for how longer terms work in your market.
Chiffres publiés par Atome, vérifiés par rapport aux conditions par pays de Atome.
Atome permet aux voyageurs d'Asie du Sud-Est et au-delà de payer en plusieurs fois ou d'étaler le coût sur un plan mensuel plus long. Les deux sont des produits de crédit, soumis à l'admissibilité et à une vérification de crédit. Les détails du plan, les frais applicables et les limites sont indiqués dans les cartes ci-dessous.
$500
Pay in 3 is interest-free when you keep to the schedule, splitting the fare into three monthly payments. Miss one and a late fee may apply, and a credit check applies before Atome confirms the plan for your booking. Produit phare BNPL d'Atome en Asie du Sud-Est ; généralement un premier paiement à la caisse suivi de deux paiements mensuels ultérieurs.
Pay Monthly stretches the fare over a longer run of instalments for travellers who want smaller payments spread further out. This is a credit plan: some tenures carry interest, a credit check applies, and a late fee may apply if a payment is missed, so read the terms Atome offers at checkout before you commit. Les notes Grokipedia indiquent des plans plus longs avec des frais minimes ; les durées/conditions exactes ne sont pas confirmées.
Pay in 3 is the name used across Atome's Southeast Asian markets, though the exact schedule (when the first instalment is debited) can vary by country. Your e-ticket is issued in full once the booking is confirmed. Check how Atome works in Singapore for current terms.
À titre illustratif uniquement. Les chiffres ci-dessus sont calculés à partir du tarif que vous définissez : division simple pour les plans sans intérêt, et le taux illustratif propre du plan sur sa durée indiquée pour le financement mensuel. Il ne s'agit pas d'une offre, d'un devis ou d'une prédiction de ce que vous recevrez. Laters.com n'est pas le prêteur et ne participe pas à la décision : les plans qui apparaissent, les montants des versements, les intérêts et frais, et votre admissibilité sont déterminés uniquement par le fournisseur et dépendent d'une évaluation du crédit ou de l'admissibilité, de votre pays et de votre panier. Le seul moyen de voir vos plans réels est de choisir ce mode de paiement à la caisse, à ce moment-là le fournisseur, et non Laters.com, approuve ou refuse l'achat. Tous les plans, taux, frais et conditions sont des estimations uniquement et sont sujets à approbation et à modification.
Atome dessert les voyageurs d'Asie du Sud-Est, d'Asie de l'Est et d'Asie du Sud. Si vous réservez des vols depuis ces régions, il y a de bonnes chances qu'il apparaisse à la caisse. Consultez la grille ci-dessous pour votre pays et les plans proposés. Ce guide recense des plans en plusieurs fois sur 7 marchés.
Plans publiés par Atome pour Singapour (SG), vérifiés .
Plans publiés par Atome pour Malaisie (MY), vérifiés .
Plans publiés par Atome pour Indonésie (ID), vérifiés .
Plans publiés par Atome pour Philippines (PH), vérifiés .
Plans publiés par Atome pour Thaïlande (TH), vérifiés .
Plans publiés par Atome pour Viêt Nam (VN), vérifiés .
Plans publiés par Atome pour R.A.S. chinoise de Hong Kong (HK), vérifiés .
Across Southeast Asia this short-term plan is usually called Pay in 3, and that is the label you will see in Singapore, Malaysia, Indonesia, Thailand, the Philippines, Vietnam and Hong Kong. Repayment works the same way almost everywhere: one instalment taken at purchase, then further instalments at fixed intervals after, interest-free when paid on time. Approval is not guaranteed, and Atome's longer monthly plans carry interest. Limits, fees and rates differ by country and are shown by Atome at checkout, so check how Atome's plans work before you book.
Here, you compare flights across every airline we sell, then choose an Atome plan at the Laters.com checkout. You pick the flight first, split it with Atome at that same checkout, and any instalments left simply continue on the schedule you agreed to.
Every row below points back to one thing: whoever operates the flight, and whatever Atome plan gets approved, Laters.com is who you booked with. That means one place to go if a date needs changing, a name needs fixing, or a refund is owed. Approval for a plan isn't guaranteed, and some plans carry interest, so read the terms before you split the fare.
| Ce que vous obtenez | Laters.com | Réservez directement auprès de la compagnie aérienne | Gagnant |
|---|---|---|---|
| Flight search | Compare available flights across airlines before choosing how to pay. | Search one airline and its partner itineraries. | Laters.com |
| Atome eligibility | Atome eligibility is confirmed in the Laters.com payment step for eligible bookings. | Payment options are confirmed in the airline's own checkout. | Égalité |
| Ways to pay | Choose Atome where it is shown alongside the other payment methods for your booking. | Choose from the airline's own available payment methods. | Laters.com |
| Fare conditions | The fare conditions and airline extras remain tied to the fare you select. | The fare conditions and airline extras remain tied to the fare you select. | Égalité |
| Payment surcharges | Laters.com adds no booking fee or payment surcharge for using Atome. | Some airlines publish payment fees in particular markets; American Airlines says a £4.50 fee may apply to some UK card or PayPal payments. | Laters.com |
Verdicts compare the feature in each row, not every traveller's available payment method. Atome says shoppers can split purchases into three interest-free payments or use more time with a small fee at participating brand partners; availability is confirmed at checkout. Sources checked 23 September 2026: Atome Singapore and American Airlines payment-fee disclosure.
Notre évaluation éditoriale, sur 10, pour évaluer le fonctionnement réel d'un prestataire de paiement ultérieur lors de la réservation d'un vol.
Chaque prestataire à notre caisse est évalué selon les mêmes 4 critères, ce qui vous permet de les comparer équitablement avant de choisir votre mode de paiement. Consultez tous les avis des prestataires de paiement en plusieurs fois →
Each of the four criteria above is scored out of 10 against Atome's published plan terms, published rates and eligibility criteria for flight bookings. The headline figure is the unweighted average of those four scores, rounded to one decimal, and no brand pays to be rated on Laters.com. Dernière révision septembre 2026.
Laters.com est le commerçant pour chaque réservation sur cette page : nous vendons le billet et gagnons sur le tarif, qui est le même quel que soit le mode de paiement que vous choisissez. Aucun fournisseur de paiement ne nous paie pour l'affichage, le classement ou son Score de paiement, et cette page ne contient aucun lien d'affiliation.
Conçu pour le voyageur d'Asie du Sud-Est, le Pay in 3 d'Atome étale un tarif aérien sur trois paiements mensuels, le premier dû à la caisse. La structure sans intérêt est un véritable atout, bien que le solde différé reste une obligation de crédit et l'approbation n'est pas garantie. En dehors de ses marchés principaux, la couverture chute considérablement. Pour ceux qu'il dessert, c'est l'une des options BNPL les plus ancrées régionalement.
4 critères, évalués de la même manière pour chaque prestataire à notre caisse.
Repayment Flexibility8/10
Pay in 3 covers short-term needs, while Malaysia's Pay in 6/9/12 and Singapore's Pay in 6/9 stretch fares for higher-cost fares. Flexibility narrows outside these two markets, where only Pay in 3 is confirmed.
Interest Rate7/10
Pay in 3 is interest-free everywhere it runs. Malaysia's longer plans carry a 1.5% monthly instalment rate and Singapore's Pay in 6 adds a 3% one-time fee, so the cost only appears once a traveller extends the term.
Eligibility7/10
Confirmed availability spans Singapore, Malaysia, Indonesia, the Philippines, Thailand, Vietnam and Hong Kong, but every one of those seven records shows only Pay in 3, not the longer plans.
Approval Process8/10
Pay in 3 debits the first instalment at checkout in Singapore and the Philippines with no processing fee noted on that plan. Atome's Singapore late-payment terms state a S$15 fee below S$1,000 and S$30 at S$1,000 or above.
This table prices one fare across Atome's plans for Malaysia, where its longer instalment terms are documented. The fare itself does not change for paying this way, since Atome adds no booking fee or surcharge on top.
| Plan | À payer aujourd'hui | Ensuite | Vous payez au total | Coût du crédit |
|---|---|---|---|---|
| Payer en 3 | Non précisé | Non précisé | $1,000.00 | Rien |
| Paiement mensuel | Non précisé | Non précisé | $1,000.00 | Rien |
Treat the table as an illustration, not a quote. What a traveller is actually offered depends on their market and on approval, and every provider on Laters.com is costed on the same rows so the numbers can be compared fairly.
If you searched for airlines that accept Atome, here is the short answer: every airline on Laters.com can be booked and paid for with Atome. That holds on any route and any fare class, from short-haul low-cost tickets to long-haul business class, subject to Atome's own limits and its eligibility check at checkout. Which Atome plan you are offered is set by the country you book from, not by the airline you fly, so check the country section below for what Atome publishes where you are. Below, the split matters more than the name. On a full-service carrier, the checked bag, seat selection, meals and frequent-flyer earning are exactly as the airline sells them. On a low-cost airline, those extras are added à la carte at checkout, with Atome splitting the basket total either way. Paying with Atome does not change the fare, the baggage allowance or the miles earned. You fly as the airline's own passenger and simply split the cost.
Compare Singapore Airlines fare conditions before checkout; Atome availability and eligibility are confirmed in the payment flow.
Compare Malaysia Airlines fare conditions before checkout; Atome availability and eligibility are confirmed in the payment flow.
Compare Qantas fare conditions before checkout; Atome availability and eligibility are confirmed in the payment flow.
Compare American Airlines fare conditions before checkout; Atome availability and eligibility are confirmed in the payment flow.
Compare British Airways fare conditions before checkout; Atome availability and eligibility are confirmed in the payment flow.
Compare Lufthansa fare conditions before checkout; Atome availability and eligibility are confirmed in the payment flow.
Review AirAsia fare inclusions and optional extras before checkout; Atome availability and eligibility are confirmed in the payment flow.
Review Scoot fare inclusions and optional extras before checkout; Atome availability and eligibility are confirmed in the payment flow.
Review Cebu Pacific fare inclusions and optional extras before checkout; Atome availability and eligibility are confirmed in the payment flow.
Review easyJet fare inclusions and optional extras before checkout; Atome availability and eligibility are confirmed in the payment flow.
Review Ryanair fare inclusions and optional extras before checkout; Atome availability and eligibility are confirmed in the payment flow.
Review Frontier Airlines fare inclusions and optional extras before checkout; Atome availability and eligibility are confirmed in the payment flow.
Si Atome n'est pas disponible dans votre région, Laters.com répertorie une gamme d'autres fournisseurs BNPL pour que vous puissiez toujours étaler le coût de votre vol — sous réserve d'éligibilité et de frais applicables.
Klarna offers short-term instalment plans alongside longer financing options for bigger purchases. Approval isn't guaranteed, some plans carry an APR, and a credit check may apply.
Coverage varies by market, so check current availability on Laters.com.
Afterpay splits the cost into four payments, a familiar rhythm for travellers who want a fare paid off before the trip. A missed payment can trigger fees, and approval depends on Afterpay's own checks.
Coverage varies by market, so check current availability on Laters.com.
Zip lets shoppers spread a fare over several instalments, with some plans carrying interest or fees depending on the term chosen. A credit check typically applies before approval.
Coverage varies by market, so check current availability on Laters.com.
Tabby splits a ticket into instalments at checkout, a structure many Southeast Asian and Gulf travellers already recognise from other BNPL apps. Approval isn't automatic, and a credit check may run first.
Coverage varies by market, so check current availability on Laters.com.
Sezzle divides the fare into four payments rather than one lump sum at booking. Missed instalments can bring fees, and Sezzle runs its own eligibility checks before approving a plan.
Coverage varies by market, so check current availability on Laters.com.
PayPal's instalment option lets travellers split a flight into scheduled payments rather than paying the fare in full upfront. Some plans carry interest, and approval depends on a credit check.
Coverage varies by market, so check current availability on Laters.com.
Tout ce que vous devez savoir sur le paiement des vols avec Atome sur Laters.com.
Yes. Laters.com lets you check out flight bookings with Atome and choose from Pay in 3, Atome's flagship three-instalment plan, or longer Pay Monthly style financing where available. Which plans appear depends on the country you're booking from, since Atome runs on local terms across Southeast Asia and parts of Asia. A credit check applies to some plans, and longer tenures can carry an instalment rate, so review the terms shown at checkout before you confirm.
All of them on Laters.com. Atome sits at our checkout as a payment method, not something individual carriers switch on or off, so any flight you find and book through Laters.com can be paid this way where Atome is available in your country. We don't name specific airlines or a fixed count because the option follows the payment page, not the airline. A credit check and, on some plans, an instalment rate still apply regardless of which flight you book.
No. Laters.com adds no payment surcharge and no booking fee for choosing Atome, so the fare you see is the same fare you'd pay by card. Atome itself is not free money: Singapore's Pay in 6 carries a 3% one-time processing fee and Pay in 9 charges 0.75% per month, while Atome's Singapore late-payment terms state a S$15 fee below S$1,000 and S$30 at S$1,000 or above. Malaysia's longer Pay in 6/9/12 plans run at a 1.5% monthly instalment rate.
Your e-ticket is issued once Atome approves and confirms your payment plan at checkout on Laters.com. Approval isn't guaranteed, since Atome runs its own credit check on the application, and some plans carry an instalment rate on top of the fare. Once the plan is confirmed, the airline booking is ticketed the same way as any other payment method. If approval is delayed or declined, Laters.com will show you alternative payment options for the same fare.
It can involve one. Atome typically runs an eligibility and affordability check when you apply for a plan, and the type of check can vary by plan and by country, from Malaysia's Pay in 3 through to the longer Pay in 6, 9 or 12 month options. Approval is never guaranteed, and some of these longer plans carry a monthly instalment rate rather than being interest-free. Check how Atome's plans work for the specifics on eligibility before you book.
Missing a payment costs you. In Singapore, a missed instalment suspends your Atome account; Atome's late-payment terms state a S$15 fee below S$1,000 and S$30 at S$1,000 or above. Late or missed payments can also be reported to credit reference agencies.
Atome is available for flight bookings on Laters.com from Singapore, Malaysia, Indonesia, the Philippines, Thailand, Vietnam and Hong Kong, with Pay in 3 as the plan offered in each of these markets. Longer instalment plans such as Pay in 6, Pay in 9 and Pay in 12 are confirmed for Malaysia and Singapore, at rates that vary by tenure and market. The Philippines also allows Atome Card bills to be split into 3- or 6-month interest-bearing plans. Always confirm current country availability on Atome's own website before booking.
A longer plan usually fits better. For a bigger fare, Malaysia's Pay in 6, Pay in 9 or Pay in 12 spreads the cost further than Pay in 3, though it runs at a 1.5% per-month instalment rate rather than interest-free. Singapore's Pay in 9 carries a 0.75% monthly processing fee, while Pay in 6 there is a 3% one-time fee instead. Longer tenures mean smaller instalments but a higher total cost, so weigh that against just using Pay in 3 if the fare fits within its limits.
Not when you pay on time. Using a plan like Pay in 3 as intended generally has limited impact on your credit score, but that is not a guarantee. Missing a payment can affect your standing: Atome's Singapore late-payment terms state a S$15 fee below S$1,000 and S$30 at S$1,000 or above.
A refund reduces or ends the remaining instalments, but the timing depends on Atome and the airline's refund process rather than being automatic on cancellation. Any instalments already paid, including one-off fees like Singapore's 3% Pay in 6 processing charge, are refunded according to Atome's own policy rather than by Laters.com directly. Until the refund is processed, scheduled payments may still be due, so keep an eye on your Atome account for updates. Contact Atome support if a refunded flight doesn't stop your instalment schedule promptly.
Yes. Atome's plans apply to the total fare you're charged, not to the route or number of stops, so a multi-stop or international itinerary is treated the same as a single direct flight. What determines which plans you see is the country you're booking from on Laters.com, not where the flight departs or lands. So a traveller booking from Malaysia sees Malaysia's Pay in 3 and longer 1.5% monthly plans, while one booking from Singapore sees Singapore's fee structure instead.
It can be. Pay in 3 is structured as three equal monthly interest-free instalments in markets like Malaysia and Singapore. The catch sits with missed payments: Atome's Singapore late-payment terms state a S$15 fee below S$1,000 and S$30 at S$1,000 or above. Longer plans can carry a processing fee or monthly rate instead.
It depends on the fare and the plan's basket size in your market. Malaysia's Pay in 3 covers purchases from a minimum of RM100 up to RM5,099, which caps how much of a premium fare it can cover before you'd need a longer plan such as Pay in 6, 9 or 12. Those longer options run at a 1.5% monthly instalment rate in Malaysia, which suits a higher-value business class fare better than Pay in 3 alone. Check the exact basket limits on Atome's how-it-works page before booking a premium fare.
You'll need to sign up or log in to Atome at checkout to use it for a flight booking, since the plan and any credit check run through Atome's own app or account system rather than through Laters.com. New applicants go through Atome's eligibility check the same as returning users, and approval isn't guaranteed. Once your account is set up and a plan is approved, the flight is ticketed and future bookings can reuse the same account, subject to Atome's ongoing checks.
Repayments are tracked in Atome's own app or account portal, not through Laters.com, since Atome manages billing, due dates and fees. In Singapore, Atome's late-payment terms state a S$15 fee below S$1,000 and S$30 at S$1,000 or above. In Malaysia, the app shows your plan and remaining instalment schedule.
On Laters.com, Atome is offered in the payment step for flight bookings where it appears at checkout, rather than being an airline-specific payment method. Choose your fare first, then confirm the Atome option, plan and total repayment amount before you book. Atome's Singapore payment guidance explains its checkout-based payment service.
For a Singapore Airlines fare on Laters.com, check the payment methods shown after selecting the itinerary. If Atome appears at that checkout, you can review the available Atome plan and its total cost before confirming; availability and eligibility can vary. See Atome Singapore for its current payment information.
For an AirAsia fare on Laters.com, select the itinerary and check whether Atome is presented in the payment step. Atome availability and eligibility are confirmed at checkout, so do not assume that an airline's own website offers the same option. See Atome Singapore for its current payment information.
Atome est un fournisseur d'achat maintenant, paiement plus tard conçu pour l'Asie du Sud-Est et les marchés asiatiques plus larges, opérant à Singapour, Malaisie, Indonésie, Thaïlande, Philippines, Vietnam, Hong Kong et plusieurs autres pays. Son produit phare est un plan Payez en 3 : votre tarif de vol se divise en trois paiements mensuels, le premier collecté à la caisse et les deux suivants à des intervalles mensuels. Sur Laters, vous pouvez rechercher et comparer des vols auprès de plusieurs compagnies aériennes, puis choisir Atome à la caisse pour étaler le coût. Votre billet électronique est émis une fois que votre plan de paiement est approuvé et que ce premier paiement est effectué. Atome propose également un financement mensuel plus long sur certains marchés, bien que les durées et les conditions varient selon le pays — consultez atome.com pour voir ce qui est disponible où vous êtes. L'approbation n'est pas garantie, et une vérification de crédit peut s'appliquer. Les paiements manqués peuvent déclencher des frais ou des restrictions de compte. Empruntez uniquement ce que vous pouvez rembourser confortablement selon le calendrier, et lisez les conditions complètes sur le site Web d'Atome avant de confirmer votre réservation.
Search your route on Laters.com, select Atome at checkout, and choose a plan before you confirm the booking. Pay in 3 splits the fare into three instalments and carries no interest when paid on time. Atome also offers longer plans like Pay in 6, 9 or 12 for travellers who want to spread a flight over more months. Those longer plans are interest-bearing and, like all Atome credit, subject to a credit check and approval before you're accepted. Once payment is approved, your e-ticket is issued and sent to your inbox, ready for the trip.
On this booking, Laters.com is the merchant selling the ticket and handling your itinerary. Atome is the payment method and credit provider here, not the seller of the flight. The price you see is the price you pay: Laters.com adds no card surcharge and no separate booking fee for choosing Atome over any other payment method. You don't need a credit card to book this way, since Atome settles the fare with the airline on your behalf once your plan is approved. Your repayment schedule, and any interest that applies to your chosen plan, is owed to Atome, not to Laters.com.
Laters.com gagne sur le tarif en tant que commerçant, le même quel que soit le mode de paiement que vous choisissez ; aucun fournisseur de paiement ne paie pour être affiché sur cette page.
Une réservation de vol et un plan de remboursement suivent des calendriers différents. Notre guide explique les questions pratiques à examiner avant de fractionner un tarif.
Emprunter de manière responsable signifie ne vous engager que pour des versements que vous pouvez réellement vous permettre. Les paiements manqués peuvent entraîner des frais de retard, peuvent être signalés aux agences d'évaluation du crédit et peuvent affecter votre cote de crédit et votre capacité à emprunter à l'avenir. Laters.com est le nouveau nom de Fly Fairly ; rien ne change concernant votre réservation ou votre assistance. Dernière révision par l'équipe éditoriale de Laters.com le septembre 2026.
De véritables avis de véritables clients qui ont réservé des vols avec Laters.com.
Atome offres de vols, promotions d'achat maintenant, payez plus tard et ventes flash, directement dans votre boîte de réception.
Les informations de cette page ont été vérifiées auprès de ces sources entre le et le ; les chiffres sont revérifiés dès que leurs sources publient de nouvelles données.
Édité par