Search flights on Laters.com, then split the fare with an Atome plan at checkout.
Edited by Adinda Irawan
Yes, Atome works for any flight you book through Laters.com. Pick Pay in 3 at checkout: three interest-free payments, no airline needs to offer Atome directly, because it's built into our checkout. That means the flight you choose, not the airline's own payment page, decides whether you can split the cost.
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.
Figures as published by Atome, verified against Atome’s country terms.
Atome gives you a few ways to break up a fare instead of paying it all at once. The cards on this page show Atome's plan shapes, priced in the currency you've selected, so set a flight budget first and then see how each one fits. Compare what's due today, the payments that follow, and the total you'll repay. At checkout, Atome shows the real offer for your booking: a credit check applies, and some plans carry interest.
$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's flagship BNPL product across Southeast Asia; commonly first payment at checkout then two subsequent monthly payments.
Malaysia's Pay in 6, Pay in 9 and Pay in 12 stretch the fare over more instalments at a 1.5% monthly instalment rate (formerly called Service Fee), divided equally across the plan. This option is confirmed for Malaysia; other markets currently offer Pay in 3 only. Malaysia only: expands Pay-in-3 to Pay-in-6/9/12 month plans. Instalment rate (previously called Service Fee) is 1.5% of the order amount per month, divided equally over the chosen plan. Example on an RM700 order with Pay-in-6: RM10.50/month, RM63 total, RM763 final bill.
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.
Pay in 3 is interest-free everywhere Atome runs; longer plans and their fees vary by country, so check which ones your market offers before you book.
Atome shows up most often in traveller searches from Singapore, Malaysia, Indonesia, Thailand, the Philippines and Vietnam, though that is not the whole map. Across these markets Atome publishes a short-term instalment plan that splits a fare into separate payments, alongside longer financing plans that spread the cost over monthly payments instead. Open your country in the grid below to see the exact product names, payment schedules and costs that apply. This guide reflects what Atome publishes for each market. It does not confirm which of these products Laters.com can actually offer on a given booking, since that is decided at checkout. This guide lists instalment plans in 7 markets.
Plans as published by Atome for Singapore (SG), verified .
Plans as published by Atome for Malaysia (MY), verified .
Plans as published by Atome for Indonesia (ID), verified .
Plans as published by Atome for Philippines (PH), verified .
Plans as published by Atome for Thailand (TH), verified .
Plans as published by Atome for Vietnam (VN), verified .
Plans as published by Atome for Hong Kong SAR China (HK), verified .
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.
| What you get | Laters.com | Book direct with the airline | Winner |
|---|---|---|---|
| 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. | Draw |
| 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. | Draw |
| 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.
Our editorial rating, out of 10, for how well a buy now, pay later provider 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 →
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. 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 splits fares into three interest-free monthly payments across Singapore, Malaysia, the Philippines and other Southeast Asian markets. Malaysia and Singapore both add longer Pay in 6 and Pay in 9 options for pricier bookings, at a 1.5% monthly rate in Malaysia or a processing fee in Singapore. A missed Singapore payment suspends the account; Atome's late-payment terms state a S$15 fee below S$1,000 and S$30 at S$1,000 or above.
4 measures, scored the same way for every provider at our checkout.
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.
Sources: Atome Malaysia: how the instalment rate is calculated
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.
Sources: Atome Singapore late-payment terms
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 | Upfront payment | Then | You pay in all | Cost of credit |
|---|---|---|---|---|
| Pay in 30% APR | Not specified | Not specified | $1,000.00 | Nothing |
| Pay in 6 / 9 / 12 (Malaysia) | Not specified | At checkout | At checkout | At checkout |
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.
Compare Japan Airlines cabins and what each fare covers, choose the flight first, then review the Atome plans the checkout shows.
Compare the Air China fare conditions in our guide, then review the payment methods offered for your booking.
Compare Asiana Airlines fare conditions in our guide, then review the payment methods offered for your booking.
Compare the Korean Air fare conditions in our guide, then review the payment methods offered for your booking.
Review the China Southern Airlines guide before choosing your flight and payment method at checkout.
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Compare SriLankan Airlines fare conditions before checkout; Atome availability and eligibility are confirmed in the payment flow.
Review the China Airlines guide before choosing your flight and payment method at checkout.
Compare Vietnam Airlines fare conditions in our guide, then review the payment methods offered for your booking.
Garuda Indonesia keeps its SkyTeam connections and GarudaMiles earning intact whether you pay in full or split the cost with an Atome plan at checkout.
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.
Review Firefly's fare inclusions and optional extras before checkout; Atome availability and eligibility are confirmed in the payment flow.
VietJet Air's fares are no-frills; review its baggage and seat-selection add-ons before booking.
Check Citilink payment plans and fare conditions before checkout; Atome availability and eligibility are confirmed at the payment step.
Nok Air's domestic Thai fares are fare-tiered; review baggage allowance and seat selection for your fare before booking.
Review SpiceJet fare inclusions and optional extras before checkout; Atome availability and eligibility are confirmed in the payment flow.
Review 9 Air fare inclusions and optional extras before checkout; Atome availability and eligibility are confirmed in the payment flow.
Go First no longer flies; compare its old Indian domestic routes on IndiGo, Air India Express, Akasa Air, SpiceJet or Air India instead, with the same Atome plan at checkout.
Atome and Visa both sit in the Laters.com checkout, so this isn't a search for a provider elsewhere. It's a choice between two ways to pay for the same ticket, right here. Atome publishes a pay-in-3 plan alongside longer pay-in-6, pay-in-9 and pay-in-12 options for bigger baskets, while compare Visa for flights on Laters.com runs its own instalment structure with different terms. If Atome 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 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.
Other providers shown are confirmed live on Laters.com payment pages in Atome's Southeast Asian markets. Sources checked 21 October 2026: Atome Singapore and Atome Malaysia instalment terms.
40+ProvidersEvery fly now pay later providerExplore the provider guides and compare their payment products. The options available for your booking, approval and terms are shown at checkout.Compare fly now pay later providersFees, refunds, credit checks and eligibility
Everything you need to know about paying for flights with Atome on 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.
Yes. Laters.com is operated by Fly Fairly Pte. Ltd., a travel agent licensed by the Singapore Tourism Board (STB) under licence TA04059, and if you are booking from Singapore you can choose Atome at checkout where it is offered for your booking. Atome runs your payment plan and decides on approval; your flight booking is with Fly Fairly Pte. Ltd., so questions about the ticket, changes or refunds come to Laters.com. You can confirm the licence on STB's public register at trust.stb.gov.sg.
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.
Yes. Atome is one of Laters.com's payment methods at checkout, so you can book a flight on any of the 650+ airlines on Laters.com and pay with Atome where it's available in your country. Choose Atome on the payment step and split the fare into Pay in 3 or a longer plan where your country offers one.
Yes, a plane ticket is exactly what this page covers. Search your flight on Laters.com, pick a fare, and select Atome at checkout the same way you would for any other item Atome supports; the first instalment is taken when you confirm the booking.
Search and select a flight on Laters.com, continue to payment, and choose Atome as your payment method. Pick Pay in 3 (interest-free, first payment at checkout) or a longer plan where it's offered in your country, then confirm. Your e-ticket is issued once Atome approves the plan.
You don't need a physical or virtual Atome Card for a Laters.com flight booking. Select Atome as the payment method at checkout and complete the plan in the Atome app; no separate card product is required for this flow.
Yes. AirAsia is one of the airlines most often booked with Atome on Laters.com. Search AirAsia fares on Laters.com and choose Atome at checkout the same way as for any other airline on the site.
Yes. Singapore Airlines is one of the airlines most often booked with Atome on Laters.com. Book a Singapore Airlines fare on Laters.com and select Atome at the payment step to split the cost with Pay in 3 or a longer plan where available in your country.
Atome is a buy now pay later platform built for Southeast Asia, letting shoppers split the cost of purchases, from sneakers to plane tickets, into smaller instalments. What began as a retail checkout option has grown into a wider consumer finance business that also offers cards and short-term lending. Flights now sit among the higher-value purchases Atome customers use it for, and Laters.com lets travellers choose Atome for every airline we sell.
Atome launched in Singapore in 2019 under Advance Intelligence Group, the technology company Jefferson Chen co-founded in 2016. Its Singapore entity, Apaylater Financials Pte Ltd, still carries that earlier name in regulatory filings. It holds in-principle approval from Singapore's Monetary Authority to operate as a Major Payment Institution. It remains privately held, backed by investors including SoftBank Vision Fund 2 and Standard Chartered Bank. Growth hasn't been even: Atome withdrew from Vietnam within about a year of launching there. Around the same time, its parent was pursuing a reported deal for Grab Holdings to take a controlling stake in Atome Financial. Check how Atome's plans work for current terms. Only borrow what you're confident you can repay on the schedule you agree to.
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 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 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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Facts on this page were checked against these sources between and ; figures are re-checked when their sources publish new data.
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