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Procure e compare tarifas em 600+ companhias aéreas na Laters, depois divida o custo do seu voo usando Atome Card — um plano de Compre Agora Pague Depois baseado em crédito disponível em toda a Ásia do Sudeste e além. O seu e-ticket é emitido assim que o pagamento é aprovado, para que possa viajar com confiança enquanto distribui a tarifa de forma responsável.
Atome Card funciona para todos os voos na Laters — todas as companhias aéreas, todas as rotas, todas as classes de tarifa. Selecione Atome Card na finalização da compra e o seu e-ticket é emitido assim que o pagamento é aprovado. É um produto de crédito, portanto a aprovação está sujeita a verificações de elegibilidade. Disponível em Singapura, Malásia, Indonésia, Filipinas, Hong Kong, Tailândia e Vietname.
Plenty of major carriers don't offer CredPal Card directly at their own checkout, which is exactly why booking through Laters.com matters. Airlines flying out of Nigeria and across West Africa, along with the international carriers that serve Lagos and Abuja, generally won't let you split a fare with CredPal Card on their own site. Book through Laters.com instead, and CredPal Card becomes a payment method built into our checkout: you select it, pick a plan that fits the budget, and the e-ticket is issued once payment is confirmed.
Choose the short interest-free window if you can clear the fare within thirty days, or spread it across the longer monthly plan if you need more breathing room, both subject to approval and available only to travellers aged 18 and over. The range runs from a long-haul business-class seat to a short domestic hop, and either can be split the same way. Availability varies by market, so it's worth checking eligibility on CredPal's own site before you fly.
Valores publicados por Atome Card, verificados contra os termos de país de Atome Card.
Atome Card foi construído para viajantes em toda a Ásia do Sudeste e Ásia Oriental, cobrindo múltiplos mercados na região. As moedas suportadas e os planos de pagamento variam por país — verifique a grelha abaixo para ver o que está disponível onde está a fazer a reserva. 7 mercados oferecem prestações sem juros. 7 mercados oferecem financiamento mensal mais longo.
Planos publicados por Atome Card para Singapura (SG), verificados .
Planos publicados por Atome Card para Malásia (MY), verificados .
Planos publicados por Atome Card para Indonésia (ID), verificados .
Planos publicados por Atome Card para Filipinas (PH), verificados .
Planos publicados por Atome Card para Hong Kong, RAE da China (HK), verificados .
Planos publicados por Atome Card para Tailândia (TH), verificados .
Planos publicados por Atome Card para Vietname (VN), verificados .
The three-instalment plan goes by Pay in 3 across every market shown here, Singapore and Malaysia included, with no separate label for longer or extended plans in this set. It works by taking a payment at purchase and further payments at fixed monthly intervals after it, and it's interest-free when every instalment lands on time, though approval isn't guaranteed and a credit check applies. Alongside it sits a longer, pay-monthly option described as carrying minimal fees rather than none. Exact limits, tenures and any charges differ by country and are shown by Atome Card at checkout, so it's worth reading those terms before you book.
Se o Cartão Atome não estiver disponível no seu país ou simplesmente não se adequar, o Laters.com lista vários outros fornecedores BNPL para que possa continuar a distribuir o custo do seu voo como um acordo de crédito.
Zilch is built around a pay-in-4 structure, letting you split a fare into smaller payments rather than covering it in one go. Approval isn't guaranteed and a credit check typically applies before you're approved to use it.
Coverage varies by market; check Zilch's site for your country.
Klarna offers a short-term split-pay option alongside longer monthly financing for bigger fares. Some Klarna plans carry interest and a credit check may run before your flight is approved for a plan.
Widely available across Europe and North America; confirm your country on Klarna's site.
Afterpay splits your fare into four payments, with the first typically due at checkout. Missed payments can trigger fees, and approval depends on Afterpay's own checks.
Strongest coverage in the United States, Canada, and Australia.
Affirm leans toward longer repayment terms rather than a quick four-way split, which suits pricier itineraries. Interest may apply depending on the term you're offered, and a credit check is part of getting approved.
Primarily available in the United States and Canada.
Tabby offers a pay-in-4 plan for travellers who want to break up the cost of a ticket over a short stretch. A credit check may be part of the approval process, and fees can follow a missed payment.
Focused on the Middle East, with strong presence in Gulf markets.
Scalapay splits fares into a handful of payments or longer monthly instalments depending on the plan you're offered. Approval isn't automatic, and some plans may carry interest or fees on a missed payment.
Concentrated in Italy and other parts of Europe.
Atome Card oferece aos viajantes em toda a Ásia do Sudeste e além duas formas de distribuir uma tarifa de voo: pague em prestações mensais a curto prazo, ou opte por um plano de financiamento mais longo. Ambos são produtos de crédito, portanto a aprovação não é garantida e aplica-se uma verificação de crédito.
$500
Pay in 3 splits the fare into three monthly payments and stays interest-free when every payment lands on time. Miss one and a credit check has already applied to get you here, so a late fee may follow depending on your agreement. Plano de 3 prestações sem juros da Atome; primeiro pagamento normalmente devido no checkout.
Pay Monthly stretches the fare over a longer run of payments with fees kept to a minimum rather than removed altogether. A credit check applies before Atome Card sets your terms, and any figures shown alongside this plan are illustrative until Atome Card confirms your actual rate. Cartão Atome / planos de duração mais longa descritos como prestações estendidas com taxas mínimas; prazos e taxas exatos não confirmados.
Atome Card's plans run under these names across Singapore, Malaysia, Indonesia, the Philippines, Thailand, Vietnam and Hong Kong. Repayments go to Atome Card on the schedule you agree at checkout, and the airline issues your e-ticket once the booking is confirmed, not once the plan is paid off.
Apenas ilustrativo. Os valores acima são calculados a partir da tarifa que definiu: divisão simples para os planos sem juros, e a taxa ilustrativa própria do plano durante o período indicado para financiamento mensal. Não constituem uma oferta, uma cotação ou uma previsão do que lhe será oferecido. Laters.com não é o credor e não participa na decisão: quais planos aparecem, os valores das prestações, quaisquer juros e taxas, e se é elegível são determinados unicamente pelo fornecedor, e dependem de uma avaliação de crédito ou elegibilidade, do seu país e do seu carrinho. A única forma de ver os seus planos reais é escolher este método de pagamento na finalização da compra, altura em que o fornecedor, não Laters.com, aprova ou recusa a compra. Todos os planos, taxas, comissões e termos são apenas estimativas e estão sujeitos a aprovação e a alterações.
A nossa classificação editorial, de um máximo de 10, sobre o funcionamento de um fornecedor de compre agora, pague depois quando está a reservar um voo.
Todos os fornecedores na nossa caixa de pagamento são classificados nas mesmas 4 medidas, para que possa compará-los de forma equivalente antes de escolher como pagar. Ver todas as classificações dos fornecedores de voar agora, pagar depois →
This score is based on Atome Card's published plan terms, its confirmed market and currency list for flight bookings, and Laters.com's own eligibility review. No brand pays to be rated; unconfirmed figures are flagged rather than estimated. Última revisão agosto de 2026.
Laters.com é o comerciante para todas as reservas nesta página: vendemos o bilhete e auferimos receita da tarifa, que é a mesma independentemente do método de pagamento que escolher. Nenhum fornecedor de pagamento nos paga pela colocação, classificação ou pela sua Pontuação de Pagamento, e esta página não contém ligações de afiliação.
Construído para o viajante intra-Ásia, Atome Card combina um plano Pay in 3 genuinamente sem juros com uma opção Pay Monthly para tarifas maiores. O 0% APR no plano principal é o destaque, mas os termos Pay Monthly justificam uma leitura cuidadosa antes da finalização da compra. Verificações de crédito aplicam-se; a aprovação nunca é garantida.
4 medidas, classificadas da mesma forma para todos os fornecedores na nossa caixa de pagamento.
Repayment Flexibility7/10
Two shapes on offer: Pay in 3, a fixed 3-instalment split, and Pay Monthly financing for longer terms. Both are confirmed only in general form, with no split count or basket window published for Pay Monthly, which caps this below a top score.
Interest Rate8/10
Pay in 3 carries 0% APR, the plan most travellers will use. Pay Monthly is described only as carrying minimal fees with no rate disclosed, so travellers can't compare its true cost before choosing it.
Eligibility7/10
Seven confirmed markets, Singapore, Malaysia, Indonesia, Philippines, Hong Kong, Thailand and Vietnam, all showing the same two plans. No total market count is supplied and broader reach across Atome's listed countries isn't confirmed for flight bookings.
Approval Process7/10
Facts don't confirm whether Pay in 3 or Pay Monthly relies on a soft or hard credit check at checkout, so the floor score stands until Atome Card's own site confirms the check type for a traveller's market.
Os mesmos 4 passos aplicam-se em todas as companhias aéreas e todas as rotas em Laters.com.
Search fares and pick your flight. Laters.com sells the ticket as your travel agent, and you book at the price shown that day, holding a confirmed booking as the airline's own passenger from the start.
Select CredPal on the payment screen and choose a plan. CredPal decides at checkout, and approval is not guaranteed, so have your details ready before you confirm.
Repay in monthly instalments, or over a longer spread of months if you choose that plan; paying within the short window keeps interest off, but some plans carry interest and a credit check applies. Make repayments directly to CredPal, managed in CredPal's own app or website, not by Laters.com.
Payment gets confirmed. Your e-ticket is then emailed to you. It's tied to your confirmed booking, not to your final payment, so you fly on schedule while the plan runs its course.
Most airlines don't offer CredPal at their own checkout, and the few that do each set their own rules. On Laters.com, CredPal is built into one checkout that covers every airline we sell, so the plans you get don't depend on who operates the flight.
| O que obtém | Laters.com | Reserve directamente com a companhia aérea |
|---|---|---|
| Atome Card integrado no checkout em todas as 650+ companhias aéreas | ✓ | Muito poucos |
| Os mesmos planos de Atome Card, qualquer que seja a companhia aérea em que voa | ✓ | ✕ |
| Compare todas as companhias aéreas numa única pesquisa e depois pague com Atome Card | ✓ | ✕ |
| Parceiro oficial de Atome Card | ✓ | ✕ |
| Outros fornecedores de compre agora, pague depois, stablecoins e 100+ outras formas de pagamento no mesmo checkout | ✓ | ✕ |
| Sem sobretaxa e sem taxa de reserva ao pagar com Atome Card | ✓ | Varia |
Whichever airline operates your flight and whichever CredPal plan gets approved, the booking is with Laters.com, not the carrier. That means one place to go if a date needs changing or a refund is due, with any interest or fees on your plan still owed on schedule either way.
Tudo o que precisa de saber sobre o pagamento de voos com Atome Card em Laters.com.
Yes. Laters.com accepts Atome Card at checkout, and travellers can typically choose between the Pay in 3 plan, which splits the fare into three monthly instalments at 0% interest, or a longer Pay Monthly financing plan with minimal fees for bigger fares. Which plans you see depends on the country you're booking from, and a credit check applies before approval. Confirm the exact terms on Atome Card's website before you book.
All of them on Laters.com. Atome Card sits at checkout as a payment method rather than something individual airlines switch on, so any flight you can book on the platform can be paid for this way. The plan you're offered, such as Pay in 3 or the longer Pay Monthly option, still depends on your basket and the country you're booking from. A credit check applies regardless of the airline you choose.
No. Laters.com adds no payment surcharge and no booking fee when you choose Atome Card, so the fare shown is the same as paying by debit or credit card. The Pay in 3 plan itself carries 0% interest, but the longer Pay Monthly financing plan carries minimal fees, and a late fee applies if you miss a scheduled payment. Always check the repayment schedule at checkout before confirming.
The e-ticket is issued once your Atome Card payment is approved at checkout, not after every instalment clears. That approval includes a credit check, and the remaining instalments (three monthly payments on Pay in 3, or a longer schedule on Pay Monthly) continue after the ticket is in your inbox. Delivery timing can still vary slightly by airline and route, so check your confirmation email on Laters.com for your specific flight.
Yes. Atome Card runs a credit check as part of approving you for either the Pay in 3 plan or the longer Pay Monthly financing option, and approval is never guaranteed even if you've used the card before. This applies whether you're booking a short domestic hop or a long-haul fare. Because this is a credit product and not a discount, treat the check and the repayment schedule as part of the cost of splitting the fare, not a formality.
A missed payment triggers a late fee on your Atome Card plan, whether that's the Pay in 3 schedule or the longer Pay Monthly financing arrangement. Missed payments may also be reported to credit reference agencies, which can affect your credit standing and your ability to get approved for BNPL or other credit in future. If you think you'll miss a due date, contact Atome Card directly before it happens rather than after, since the fare itself was already paid to the airline through Laters.com.
Atome Card is available for flight bookings 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 these markets. Availability outside this list is not confirmed, so if you're booking from elsewhere, Laters.com will show you the payment methods that actually apply to your account at checkout. Check atome.sg or your local Atome Card site for the current country list before you plan around it.
The Pay Monthly financing plan is built for larger fares, spreading the cost over a longer instalment schedule with minimal fees rather than the three-payment structure of Pay in 3. It suits long-haul or premium fares where three monthly instalments would each be a large sum. A credit check still applies, and the exact tenure and fee amount for Pay Monthly should be confirmed on Atome Card's website, since they vary and aren't fixed across every basket.
It can. Paying on time on either the Pay in 3 or Pay Monthly plan generally doesn't harm your score, but a missed payment can be reported to credit reference agencies and may lower your credit standing. Atome Card also runs a credit check when you apply for a plan, which is a normal part of using any BNPL product. Treat your instalment dates for a flight booking the same way you'd treat any other credit repayment, and check Atome Card's site for how it reports to agencies in your market.
When an airline refunds a cancelled flight booked through Laters.com, the refund is applied back through Atome Card against your outstanding instalments on that booking, whether you were on Pay in 3 or Pay Monthly financing. If you'd already paid instalments before the cancellation, those amounts are typically refunded back to you or offset against what's still owed. Processing times depend on the airline's refund policy and Atome Card's own timeline, so check both Laters.com and Atome Card's site for how a specific refund will be handled.
Yes. Atome Card's plans, Pay in 3 and Pay Monthly financing, apply to the total fare you're charged rather than to the route or number of stops, so an international or multi-stop itinerary is treated the same as a single-leg domestic flight. What decides which plans you see is the country you're booking from on Laters.com, such as Singapore, Malaysia, Indonesia, the Philippines, Hong Kong, Thailand or Vietnam, not where the flight actually flies to. A credit check applies at checkout either way.
Not entirely free of risk, even though the Pay in 3 plan is genuinely 0% interest on time. The catch is what happens if you don't pay on time: a late fee applies, and missed payments may be reported to credit reference agencies, which can affect your credit standing. The longer Pay Monthly financing plan is different again, carrying minimal fees rather than being interest-free. Read the schedule Atome Card shows you at checkout before confirming either plan.
Generally, yes, because Atome Card is a payment method at checkout on Laters.com and doesn't change how the airline records your booking or fare class. Miles, tier points and status benefits are set by the airline's own program rules, not by how you paid, whether that's the Pay in 3 plan or Pay Monthly financing. It's still worth double-checking the fare type on your booking, since some promotional or heavily discounted fares can carry reduced mileage earning regardless of payment method.
Yes, Atome Card can be used on premium cabin and business class fares booked through Laters.com, with the higher fare typically suited to the longer Pay Monthly financing plan rather than the three-payment Pay in 3 structure. A credit check applies to both plans, and approval for a larger basket is not guaranteed. Confirm current basket limits and terms for premium fares directly on Atome Card's website before booking.
Yes. Laters.com prices the fare the same whether you pay by card or through Atome Card, so a sale fare or promotional price you see on the listing carries through to checkout with either the Pay in 3 plan or Pay Monthly financing. Atome Card doesn't add a surcharge that would offset the discount. The credit check and repayment schedule still apply to whatever the final discounted fare comes to.
Real reviews from real customers who booked flights with Laters.com, sharing what their trips were like from search to landing.
O Cartão Atome é um produto de crédito compre agora pague depois com raízes no Sudeste Asiático, operando em Singapura, Malásia, Indonésia, Tailândia, Filipinas, Vietnã e Hong Kong. O fornecedor construiu seu nome em torno de tornar as compras mais gerenciáveis para consumidores do dia a dia — reservas de voos incluídas.
No Laters, pode selecionar o Cartão Atome no checkout para dividir a sua tarifa em três prestações mensais sob o plano Pague em 3 principal, que tem uma APR de 0%. O primeiro pagamento é normalmente devido no checkout, com o restante pago num cronograma fixo — este é um acordo de crédito, não um serviço gratuito. O Cartão Atome também oferece financiamento mensal de longo prazo para quem precisa de mais espaço, embora os prazos exatos e quaisquer taxas associadas variem. Verifique o site do Cartão Atome para os termos atuais antes de se comprometer.
A aprovação não é garantida e uma verificação de crédito aplica-se. Peça emprestado apenas o que se adequa confortavelmente ao seu orçamento — os pagamentos perdidos podem afetar a sua posição de crédito. Visite atome.com para os critérios de elegibilidade, taxas e condições de plano mais atualizados.
Booking works the same way you'd expect from any flight search: find your route on Laters.com, choose CredPal at checkout, and pick a plan. CredPal's terms describe repayment within 30 days at no interest, or spreading the cost over two to six months, and the e-ticket is issued once your payment is approved. Longer plans and some repayment paths may carry interest or fees and are subject to a credit check, so it's worth reading what you're signing up for before you confirm.
Laters.com is the merchant on this booking and the one that issues your ticket. CredPal is the payment method and the credit provider, not the seller of the flight, so your contract for the flight itself sits with Laters.com while your repayment obligation sits with CredPal. There's no payment surcharge and no booking fee for choosing this route, so the fare you see is the same fare you'd pay by card. You don't need a credit card to book this way: CredPal settles the fare with the airline on your behalf, and you repay CredPal directly, not Laters.com, according to the schedule you agreed to at checkout.
Laters.com aufere receita da tarifa como comerciante, a mesma independentemente do método de pagamento que escolher; nenhum fornecedor de pagamento paga pela colocação nesta página.
Quatro questões estão por trás do botão Atome Card em qualquer checkout de companhia aérea. O nosso guia completo responde-lhes.
Os resumos regulamentares são de carácter geral e mudam ao longo do tempo; não constituem aconselhamento jurídico, pelo que deve confirmar os requisitos actuais junto do regulador relevante ou de um consultor qualificado.
Pedir emprestado de forma responsável significa apenas comprometer-se com prestações que pode genuinamente pagar. Os pagamentos em falta podem resultar em taxas de atraso, podem ser comunicados a agências de referência de crédito e podem afetar a sua situação de crédito e a sua capacidade de pedir emprestado no futuro. Laters.com é o novo nome para Fly Fairly; nada muda na sua reserva ou suporte. Última revisão pela equipa editorial da Laters.com em agosto de 2026.
Ofertas de voos Atome Card, promoções de compre agora, pague depois e vendas relâmpago, directamente na sua caixa de entrada. No máximo um email por semana, e apenas quando há algo que vale a pena reservar.
This table prices one fare across Atome Card's plans as sold in its confirmed Southeast Asian and East Asian markets. The fare itself doesn't move for paying this way; Laters.com adds no booking fee or surcharge for choosing Atome Card.
| Plano | A pagar hoje | Depois | Paga no total | Custo do crédito |
|---|---|---|---|---|
| Pagar em 30% APR | $333.33 | $333.33 mensal, 2 vezes | $1,000.00 | Nada |
| Pagar Mensalmente | Nada | $1,000.00 mensal | $1,000.00 | Nada |
This worked example is an illustration, not a quote. What a traveller is actually offered depends on their market and on approval. Every provider Laters.com scores is costed on the same rows, so figures can be compared fairly across brands.
Laters.com tem uma classificação de 4.8 em 5 no Trustpilot e 4.8 em 5 no Google a partir de 99 avaliações do Google.
