Latersで600以上の航空会社の運賃を検索・比較し、Atomeで費用を分割できます。Atomeは、航空運賃を月々の支払いに分割できるクレジット契約です。他のクレジット商品と同様に、承認は保証されず、後払いの利用可能性は適格性に依存します。
編集: Adinda Irawan
Atomeはlatersのすべての航空便に対応しています。すべての航空会社、すべてのルート、すべての運賃クラスです。チェックアウト時にAtomeを選択し、クレジット承認を完了すると、支払いが確認されたら電子チケットが発行されます。3回払いプランは運賃を3つの月々の支払いに分割し、東南アジア以上の地域で利用できます。
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.
Atomeが公開した数字で、でAtomeの国の利用規約に対して検証されています。
Atomeは東南アジア以上の地域の旅行者に、分割払いまたはより長い月々のプランで費用を分割するオプションを提供します。どちらもクレジット商品であり、承認とクレジットチェックの対象となります。プランの詳細、手数料、および利用可能性は市場によって異なります。
$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. Atomeは東南アジア全域でのフラッグシップBNPL商品です。通常、チェックアウト時に初回支払い、その後2回の月次支払いが続きます。
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. Grokipediaは最小限の手数料での長期プランを記載しています。正確な期間/条件は確認されていません。
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.
説明用のみ。 上記の数字は、設定した運賃から計算されています。利息無料プランは単純な分割計算、月額ファイナンスはプランの記載期間に基づく参考レートです。これらはオファー、見積もり、または予測ではありません。Laters.comは貸し手ではなく、決定に関与していません。表示されるプラン、分割払い金額、利息と手数料、および適格性の有無は、プロバイダーのみによって決定され、信用または適格性の評価、お客様の国、およびお客様のカートに依存します。実際のプランを確認する唯一の方法は、チェックアウト時にこの支払い方法を選択することです。その時点で、Laters.comではなくプロバイダーが購入を承認または拒否します。すべてのプラン、レート、手数料、および条件は見積もりのみであり、承認および変更の対象となります。
Atomeは東南アジア、東アジア、南アジアの旅行者向けに構築されています。これらの地域内から航空券を予約している場合、Laters.comのチェックアウト時にAtomeを使用して、適格性と現地の利用可能性に応じて、クレジット契約として費用を分割できます。 このガイドでは 7 の市場の分割プランを紹介しています。
Atomeが公開したシンガポール(SG)のプラン。で確認済み。
Atomeが公開したマレーシア(MY)のプラン。で確認済み。
Atomeが公開したインドネシア(ID)のプラン。で確認済み。
Atomeが公開したフィリピン(PH)のプラン。で確認済み。
Atomeが公開したタイ(TH)のプラン。で確認済み。
Atomeが公開したベトナム(VN)のプラン。で確認済み。
Atomeが公開した中華人民共和国香港特別行政区(HK)のプラン。で確認済み。
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.
| ご利用内容 | Laters.com | 航空会社から直接予約する |
|---|---|---|
| Atomeは650以上のすべての航空会社のチェックアウトに組み込まれています | ✓ | ほぼなし |
| どの航空会社でも同じAtomeプラン | ✓ | ✕ |
| 1回の検索ですべての航空会社を比較してから、Atomeで支払う | ✓ | ✕ |
| その他の後払いプロバイダー、ステーブルコイン、および同じチェックアウトで100以上のお支払い方法 | ✓ | ✕ |
| Atomeでのお支払いに手数料と予約手数料はかかりません | ✓ | 変動あり |
フライト予約時に後払いプロバイダーがどの程度機能するかについて、10点満点での編集評価です。
当社のチェックアウトのすべてのプロバイダーは同じ 4 つの基準で評価されているため、支払い方法を選択する前に同じ条件で比較できます。 すべての今すぐ支払い後払いプロバイダーのスコアを表示 →
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. 最後にレビューしたのは 2026年9月 です。
Laters.comはこのページのすべての予約のマーチャントです。チケットを販売し、運賃から収益を得ており、選択する支払い方法に関わらず同じです。支払いプロバイダーは掲載料、ランキング、またはペイメントスコアのために当社に支払いを行わず、このページにはアフィリエイトリンクが含まれていません。
東南アジアの旅行者向けに構築されたAtomeは、7つの市場で航空券予約に3回払い構造をもたらし、運賃を3つの月々の支払いに分割し、最初の支払いはチェックアウト時に行われます。無利息の3回払いプランが主な特徴ですが、クレジットチェックが適用され、承認は保証されません。地域全体の頻繁なフライヤーにとって、チェックアウト時のより地域に適応したBNPLオプションの1つです。
当社のチェックアウトのすべてのプロバイダーで同じ方法で評価される 4 つの基準。
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. A missed Singapore payment suspends the account until the S$15 reactivation fee is paid.
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.
| プラン | 本日お支払い | その後 | 合計でお支払いいただく金額 | クレジットコスト |
|---|---|---|---|---|
| 3回払い | 記載なし | 記載なし | $1,000.00 | なし |
| 月額払い | 記載なし | 記載なし | $1,000.00 | なし |
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.
Atomeがお客様の地域で利用できない場合、Laters.comには他のBNPLプロバイダーが複数掲載されており、フライトの費用を分割払いできます（適格性と適用手数料の対象となります）。
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.
Laters.com で Atome を使ったフライト支払いについて、知っておきたいことをすべてご紹介します。
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. That said, Atome itself isn't free money: Singapore's Pay in 6 carries a 3% one-time processing fee and Pay in 9 charges 0.75% per month, while a missed payment in Singapore triggers a S$15 reactivation admin fee. Malaysia's longer Pay in 6/9/12 plans run at a 1.5% monthly instalment rate, so read the plan terms before picking one for a flight.
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 and adds a S$15 reactivation admin fee before you can use it again. Late or missed payments can also be reported to credit reference agencies, and repeated misses may affect your credit standing and your ability to get approved for future plans. If you think you'll miss a payment, contact Atome directly as soon as possible rather than letting the instalment lapse.
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 isn't a guarantee across every market or every plan Atome offers. What does affect your standing is missing a payment: Atome can report missed instalments to credit reference agencies, and Singapore additionally suspends your account and adds a S$15 reactivation fee. Longer, interest-bearing plans such as Pay in 6/9/12 also involve a credit check at application, which can appear on your credit file.
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, with Malaysia's version debiting the first payment one day after purchase and Singapore charging no processing fee. The catch sits with missed payments rather than the plan itself: Singapore applies a S$15 reactivation admin fee after a missed instalment, and any missed payment can be reported to credit agencies. Longer plans like Pay in 6 or Pay in 9 are a different story and 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 the billing schedule, due dates, and any fees directly. In Singapore, that includes seeing whether a missed payment has triggered account suspension and the S$15 reactivation fee. In Malaysia, the app shows whether you're on Pay in 3 or a longer 1.5% monthly plan and the remaining instalment schedule. Check Atome's how-it-works page for guidance on managing an active plan.
Atome は東南アジアおよびより広いアジア太平洋地域向けに構築された今すぐ購入後払いプロバイダーで、シンガポール、マレーシア、インドネシア、フィリピン、タイ、ベトナム、香港、およびその他の地域で運営されています。その中核商品は3回払いプランです。総運賃は3つの月々の支払いに分割され、最初の支払いはチェックアウト時に徴収され、残りの2つは月々のスケジュールで請求されます。Laters では、複数の航空会社のフライトを検索して比較し、チェックアウト時に Atome を選択できます。承認されると（承認は保証されず、信用調査が適用されます）、電子チケットが発行され、分割払いスケジュールが確認されます。Atome は一部の市場でより長い月々のファイナンスも提供していますが、期間と利用規約は異なります。現在の詳細については atome.com を確認してください。支払いを逃すと手数料が発生したり、信用状況に影響を与える可能性があります。返済がお客様の予算内に快適に収まる場合にのみコミットし、予約を確認する前に Atome のウェブサイトで完全な利用規約を確認してください。
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はマーチャントとして運賃から収益を得ており、選択する支払い方法に関わらず同じです。支払いプロバイダーはこのページへの掲載料を支払いません。
フライトの予約と返済プランは、それぞれ異なるスケジュールで進みます。運賃を分割払いにする前に検討すべき実務的なポイントをガイドで解説しています。
責任を持って借入することは、実際に支払える分割払いにのみコミットすることを意味します。支払い遅延は遅延手数料につながる可能性があり、信用情報機関に報告される可能性があり、クレジットスコアと将来の借入能力に影響を与える可能性があります。 Laters.comはFly Fairlyの新しい名前です。ご予約やサポートに変わりはありません。 Laters.com 編集チームによる最後のレビューは 2026年9月 です。
Atomeのフライトディール、後払いプロモーション、フラッシュセール情報をメールボックスにお届けします。
編集: