Pay in 3 interest-free instalments, or split fares over longer terms with Atome Card financing. Approval isn't guaranteed and a credit check applies; longer plans may carry fees.
Yes. You can use Atome Card to book flights and buy plane tickets for any airline, any route, any fare class when you book through Laters.com. It doesn't matter which carrier you fly, this is a credit product, so approval and instalment terms still apply at checkout, and there's no extra payment surcharge or booking fee for choosing it.
Most airlines never built Atome Card into their own checkout, which is exactly why booking through Laters.com matters. Think Delta, United and American in the US, or Ryanair, easyJet and British Airways across Europe, none of them offer Atome Card directly. Book through Laters.com instead, and Atome Card works as a payment method built into our checkout: select it, pick a plan that fits your budget, and your e-ticket is issued once payment is confirmed.
Both the pay-in-3 plan and the longer Pay Monthly financing option are available, across every market Atome Card supports in Southeast Asia and beyond, so you can split anything from a long-haul business-class booking to a short domestic hop. Approval isn't guaranteed, some plans carry fees or minimal interest, and you'll need to be 18 or over to apply. Visa is also accepted at our checkout if you'd rather compare the two.
With Atome Card, you can split a fare into short-term instalments or spread it across a longer monthly plan. Some plans carry no interest when you pay on time, others carry interest and fees, and a credit check applies before any plan is approved. Read each card before you choose one.
$500
Pay in 3 splits the fare into three monthly payments and stays interest-free as long as each instalment lands on time. Miss one and a late fee may apply, so keep the schedule in view before you book. Atome's flagship interest-free 3-instalment plan; first payment typically due at checkout.
Pay Monthly stretches the fare over a longer run of months for travellers who need more breathing room than three instalments give. This plan is offered on Atome Card's terms after a credit check, so expect interest or fees to apply rather than a fee-free arrangement, and confirm the exact tenure and rate on Atome Card's website before you commit. Atome Card / longer-tenure plans described as extended instalments with minimal fees; exact tenures and rates not confirmed.
Across Southeast Asia and the wider East Asian and South Asian markets Atome Card serves, the Pay in 3 label stays consistent. Repayments go to Atome Card directly, and your airline e-ticket is issued in full once the booking is confirmed.
Illustrative only. The figures above are computed from the fare you set: plain division for the interest-free plans, and the plan's own illustrative rate over its stated term for monthly financing. They are not an offer, a quote, or a prediction of what you will be given. Laters.com is not the lender and takes no part in the decision: which plans appear, the instalment amounts, any interest and fees, and whether you are eligible at all are determined by the provider alone, and depend on a credit or eligibility assessment, your country and your basket. The only way to see your real plans is to choose this payment method at checkout, at which point the provider, not Laters.com, approves or declines the purchase. All plans, rates, fees and terms are estimates only and subject to approval and to change.
Atome Card's flight booking reach on Laters.com centres on Southeast Asia, stretching into East Asia and South Asia too, so travellers from Singapore to Hong Kong can split a fare rather than pay it all at once. Where no total-markets figure has been confirmed by Atome Card, we won't guess how our coverage stacks up against its full footprint, only that the markets listed here reflect its own published terms rather than our estimate of them. Settle up in your own money too: a fare in SGD, PHP or THB is charged in your local currency rather than converted at checkout. This guide lists instalment plans in 7 markets. This guide lists financing in 7 markets.
Plans as published by Atome Card for Singapore (SG), verified .
Plans as published by Atome Card for Malaysia (MY), verified .
Plans as published by Atome Card for Indonesia (ID), verified .
Plans as published by Atome Card for Philippines (PH), verified .
Plans as published by Atome Card for Hong Kong SAR China (HK), verified .
Plans as published by Atome Card for Thailand (TH), verified .
Plans as published by Atome Card for Vietnam (VN), verified .
Across Southeast Asia this short-term plan is usually called Pay in 3, and that's the label you'll see for it in most of the markets shown above. Three payments come out at purchase and at fixed monthly intervals afterwards, interest-free when kept on schedule, though approval isn't guaranteed since a credit check applies, and the longer Pay Monthly plans carry interest instead. Limits and rates differ by country and are shown by Atome Card at checkout before you commit to anything.
Most airlines don't offer Atome Card at their own checkout, and the ones that do each set their own rules. On Laters.com, Atome Card is built into one checkout that covers every airline we sell, so the plans you get don't depend on who operates the flight.
Whichever airline operates the flight and whichever plan Atome Card approves for you, Laters.com is the merchant on the booking. That means one party handles the ticket, any change to it, and any refund, which matters if your plans shift after you've committed to paying in instalments on credit.
| What you get | Laters.com | Book direct with the airline |
|---|---|---|
| Atome Card built into checkout on all 650+ airlines | ✓ | Very few |
| The same Atome Card plans, whichever airline you fly | ✓ | ✕ |
| Compare every airline in one search, then pay with Atome Card | ✓ | ✕ |
| Other pay-later providers, stablecoins and 100+ more ways to pay at the same checkout | ✓ | ✕ |
| No surcharge and no booking fee for paying with Atome Card | ✓ | Varies |
Our editorial rating, out of 10, for how well a buy now, pay later provider actually works when you are booking a flight.
Every provider at our checkout is scored on the same 4 measures, so you can compare them like for like before you choose how to pay. See all fly now pay later provider scores →
This score is based on Atome Card's published plan terms, our review of its eligibility rules for flight bookings, and independent research into its checkout mechanics. No brand pays Laters.com for its rating or placement. Last reviewed September 2026.
Laters.com is the merchant for every booking on this page: we sell the ticket and earn from the fare, which is the same whichever payment method you choose. No payment provider pays us for placement, ranking or its Payment Score, and this page contains no affiliate links.
Atome Card keeps things narrow but consistent: Pay in 3 at 0% interest sits alongside a longer Pay Monthly financing option stretching to 12 months on the card version. The same two plans appear across all seven Southeast Asian markets we have data for, with no minimum or maximum basket figures confirmed for either.
4 measures, scored the same way for every provider at our checkout.
Repayment Flexibility8/10
Two shapes only: Pay in 3 (3 monthly instalments) and Pay Monthly financing extending to 12 months on the card version. That's real range across short and multi-month terms, but with only two plans on offer, not the three-plus shapes a 9 would need.
Interest Rate9/10
Pay in 3 carries 0% APR, the plan most travellers will use for a fare. Pay Monthly is described as carrying minimal fees rather than a disclosed 0% rate, so it's not scored a 10 until that figure is published.
Eligibility8/10
Both plans show up identically across all seven listed markets (SG, MY, ID, PH, HK, TH, VN), so there's no country where a traveller gets a thinner menu. Held from a 9 by the wider footprint of countries listed (TW, JP, CN, IN, PK, BD) showing no confirmed plan availability yet.
Approval Process7/10
Atome's checkout-based decision model keeps friction low for Pay in 3, but the card product implies an account and card issuance step before the 12-month option is usable, and no confirmed credit-check type is supplied for either plan.
This table prices one flight across Atome Card's plans side by side. The fare itself doesn't change: Laters.com adds no booking fee or surcharge for choosing to pay this way, in markets across Southeast Asia including Singapore, Malaysia and the Philippines.
| Plan | Due today | Then | You pay in all | Cost of credit |
|---|---|---|---|---|
| Pay in 30% APR | Not specified | Not specified | $1,000.00 | Nothing |
| Pay Monthly | Not specified | Not specified | $1,000.00 | Nothing |
This worked example illustrates how the plans compare rather than quoting a live offer. What you're actually offered depends on your market and on approval at checkout. Every provider on Laters.com is costed on the same rows here, so you can compare Atome Card against others on equal terms.
Both Atome Card and Visa sit right here at the Laters.com checkout, so this isn't a matter of hunting down some other app: it's a straight choice between two ways to pay for the same ticket. Atome Card publishes a pay-in-3 interest-free plan alongside a longer monthly financing option, with strongest footing across Singapore, Malaysia, the Philippines and the wider Southeast Asia and East Asia region. Visa is a payment network rather than a single fixed plan, so its instalment terms depend on the issuing bank behind your card; you can compare Visa for flights on Laters.com to see how it stacks up for your route. If Atome Card isn't available where you are, these are the other providers that can spread the cost of your flight.
Klarna offers short-term instalment plans and, on some purchases, longer financing, with approval decided at checkout and a credit check that may apply. Missing a payment can bring fees, so it pays to keep the schedule in view before you commit.
Coverage varies by market; check Klarna's site for your country.
Afterpay splits the fare into four payments, and approval is not guaranteed since a credit check can run at checkout. Late or missed instalments may carry a fee, so it works best when the schedule is one you can actually keep.
Where available, coverage is strongest outside Southeast Asia; confirm your country on Afterpay's site.
Zip lets you break a fare into scheduled payments, subject to approval and a credit check, and some plans can carry fees if a payment is missed. It's worth reading the repayment terms before booking.
Availability depends on your market; check Zip's site for confirmation.
Tabby spreads the cost of a ticket over several payments, with approval decided at checkout and a credit check that may apply. As with any instalment plan, missing a due date can trigger a fee.
Coverage is concentrated in its core markets; confirm your country on Tabby's site.
Kredivo splits a fare into instalments and, for longer plans, financing terms, with a credit check forming part of the approval process. Interest or fees can apply depending on the plan chosen, so check the terms before you fly.
Indonesia
Billease offers instalment plans for purchases like flights, with approval subject to a credit check and some plans carrying interest or fees. It's a familiar option for travellers booking from the Philippines.
Philippines
Everything you need to know about paying for flights with Atome Card on Laters.com.
Yes. Laters.com accepts Atome Card at checkout for flights, and eligible travellers can typically choose between the Pay in 3 plan, which splits the fare into three interest-free monthly payments, or a longer Pay Monthly financing option with minimal fees for pricier itineraries. Which plans appear depends on the country you book from and your approval, since Atome Card runs a credit check before confirming any plan. Check the checkout screen on Laters.com for the exact offers available to you.
All of them on Laters.com. Atome Card is a payment method at checkout rather than a setting each airline switches on, so any flight sold through Laters.com can be paid this way, regardless of carrier. You still go through the same credit check and plan approval as any other Atome Card purchase. If a plan isn't offered on a specific fare, it's usually a checkout or eligibility limit rather than an airline restriction.
No. Laters.com doesn't add a payment surcharge or booking fee for using Atome Card, so the ticket price is the same as paying with a regular debit or credit card. That said, this is still a credit product: the Pay in 3 plan is advertised as interest-free, but Atome's longer Pay Monthly financing plan carries fees, and missing a payment on either plan can trigger a late fee. Read the terms shown at checkout before you confirm.
Your e-ticket is issued once Atome Card approves your chosen plan and the first payment clears at checkout. Approval isn't guaranteed, since it depends on a credit check, so the ticket won't be released until that step is complete. Once confirmed, the e-ticket and booking reference arrive by email from Laters.com the same way they would with any other payment method. If approval is delayed or declined, no ticket is issued and no fare is held.
Yes. Atome Card runs a credit check before approving any plan, whether that's the interest-free Pay in 3 option or the longer Pay Monthly financing plan, and approval is never guaranteed even if you've used Atome before. A hard check can leave a mark on your credit file depending on the type Atome applies, so it's worth reviewing your own credit standing before booking a fare you're relying on being approved for. Confirm the exact check type on Atome's own site.
Missing a payment on either the Pay in 3 plan or the longer Pay Monthly financing plan can trigger a late fee, and Atome may report the missed payment to credit reference agencies. That report can affect your credit standing and make future borrowing, including future Atome Card approvals, harder to get. It doesn't cancel your flight booking on its own, but the debt and any fee remain owed. Contact Atome directly if you think you'll miss a due date, since options for adjusting a schedule vary by case.
Atome Card's flight plans are currently available to travellers booking from Singapore, Malaysia, Indonesia, the Philippines, Hong Kong, Thailand, and Vietnam on Laters.com, with both the Pay in 3 and Pay Monthly financing plans offered in each of those markets. Availability is tied to where you're booking from rather than your destination airport. If you're booking from outside this list, Atome Card won't appear as a checkout option regardless of the airline or route. Check Laters.com at checkout to confirm current coverage for your market.
The Pay Monthly financing plan is built for larger fares, since it stretches repayments over a longer tenure than the three-payment structure of Pay in 3, which suits smaller purchases better. Atome describes this longer plan as carrying minimal fees rather than being cost-free, and a credit check still applies before approval. For a long-haul or premium fare, compare the total repayment schedule shown at checkout on Laters.com rather than assuming the monthly amount alone tells the full story.
It can. Atome Card runs a credit check before approving a plan, and if you later miss a payment on the Pay in 3 or Pay Monthly financing plan, that missed payment may be reported to credit reference agencies and affect your credit standing. Paying on schedule is unlikely to cause the same harm, but any credit product carries some risk to your file if things go wrong. Keep track of due dates through Atome's own account tools to avoid surprises.
When an airline refunds a cancelled flight, the refund is applied back through Atome Card against your outstanding instalments on whichever plan you chose, Pay in 3 or Pay Monthly financing. If you'd already paid instalments beyond the refunded amount, any overpayment is generally returned to you, though timing depends on both the airline's refund process and Atome's own processing. You remain responsible for any instalments due before the refund is processed. Contact Atome Card support for the specifics of your case.
Yes. Atome Card's plans apply to the total fare rather than to the route, so a multi-stop or international itinerary is treated the same as a single-leg domestic flight at checkout. What determines which plans you're offered, Pay in 3 or Pay Monthly financing, is the country you're booking from on Laters.com, not the destinations or number of stops on your ticket. A credit check still applies regardless of itinerary complexity.
Not entirely. The Pay in 3 plan is Atome's interest-free flagship option, splitting a fare into three monthly payments, but the longer Pay Monthly financing plan is described as carrying minimal fees rather than being free of cost. Missing a payment on either plan can also bring a late fee on top of whatever the plan itself charges. Read the fee breakdown shown at checkout on Laters.com before choosing between the two, since the catch is usually in the small print of the longer plan.
Generally yes, since Atome Card is a payment method rather than a booking channel, and airlines calculate miles and tier points from the ticket and fare class rather than from how it was paid for. Laters.com passes your booking through to the airline the same way regardless of payment method. That said, mileage accrual rules sit entirely with the airline's own loyalty programme, so confirm with the airline directly if you're booking a fare meant to earn or requalify status.
Yes, premium cabin fares can be paid with Atome Card on Laters.com the same as economy fares, choosing between the Pay in 3 plan or the longer Pay Monthly financing plan depending on what's offered in your country. Higher fares still go through the same credit check, and approval isn't guaranteed just because a lower-cost plan has been approved for you before. For a costlier premium fare, the Pay Monthly financing plan's longer tenure may fit the total more comfortably than three instalments.
Changing or cancelling a flight booked through Atome Card follows the airline's own fare rules first, since Atome Card only handles the payment side of the booking. If a refund is due, it's applied against your outstanding Pay in 3 or Pay Monthly financing instalments, with any overpayment typically returned to you once processed. Any instalments already due before the change or cancellation are still owed. Check the fare conditions on Laters.com at the time of booking, since change and cancellation terms vary by airline and fare type.
In most cases you can apply for Atome Card or set up an account during checkout on Laters.com rather than needing one in advance, though this still means going through Atome's credit check before a plan is approved. Existing Atome users can typically select Pay in 3 or Pay Monthly financing directly if their account is in good standing. New applicants aren't guaranteed approval, so it's worth checking Atome's own site for current eligibility requirements before you commit to a fare.
Atome Card is a buy now, pay later provider built for shoppers and travellers across Southeast Asia, and flights are one of the categories it has grown into rather than started with. It began as a pay-in-3 checkout option and has since extended into a card product, letting people spread a fare over instalments instead of paying the full amount at booking. Within Laters.com, it sits alongside other payment methods as one way to split a flight's cost, not the only one.
Atome traded and grew under the wing of Advance Intelligence Group, a Singapore-based technology company, and the Atome brand itself has become one of the more recognised BNPL names across Southeast Asia. Its expansion has run through markets including Singapore, Malaysia, Indonesia, Thailand, the Philippines, Vietnam and Hong Kong, though the pace and terms of that growth vary by market and are worth checking directly with Atome, since availability and plan details shift over time and aren't uniform everywhere it operates. As with any lender, its standing with regulators and its product lineup can change, so treat any older review of Atome you find online with a pinch of hedging and check its own site for what's current. Only borrow what you can comfortably repay on the agreed schedule.
Booking with Atome Card on Laters.com works like any other flight search: find your route, choose your fare, and select Atome Card at checkout. You'll be shown the plans available in your market, which may include Pay in 3, an interest-free three-instalment plan, or Pay Monthly, a longer-tenure financing option described as carrying minimal fees. Some plans charge no interest when paid on time, others are interest-bearing, and financing plans are subject to a credit check and approval before your e-ticket is issued.
Laters.com is the merchant on this booking and issues the ticket. Atome Card is the payment method and the credit provider, not the seller of the flight. There's no payment surcharge and no booking fee for choosing Atome Card over a card payment, so the fare itself doesn't change based on how you pay. You don't need a credit card to book this way: Atome Card settles the fare with the airline on your behalf, and your repayments go to Atome Card, not to Laters.com, on whatever schedule your chosen plan sets out.
Laters.com earns from the fare as the merchant, the same whichever payment method you choose; no payment provider pays for placement on this page.
A flight booking and a repayment plan run on different schedules. Our guide explains the practical questions to consider before splitting a fare.
Borrowing responsibly means only committing to instalments you can genuinely afford. Missed payments can result in late fees, may be reported to credit reference agencies, and may affect your credit standing and your ability to borrow in future. Laters.com is the new name for Fly Fairly; nothing about your booking or support changes. Last reviewed by the Laters.com editorial team in September 2026.
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