
<p>Did you know that <a href="https://business.inquirer.net/442034/card-fraud-most-rampant-cybercrime-in-ph">card fraud</a> is rampant in the Philippines? This isn&#8217;t meant to scare you; instead, understanding that fact should help you better understand what it means to be a responsible <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/atome-card/page/1">Atome Card</a> user. One key occurrence to look out for is unauthorized transactions.</p>



<p>According to TransUnion, the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/philippines/page/1">Philippines</a> experienced <a href="https://newsroom.transunion.ph/transunion-report-finds-digital-fraud-attempts-fall-18-in-the-philippines-but-rise-80-globally-from-pre-pandemic-levels/">8.7% of all digital fraud attempts globally</a>. Unauthorized transactions are one of the many signs that your card information may have been compromised. It&#8217;s a stressful scenario if that happens. The good news is that you can take action about it.</p>



<p>Become a more proactive and responsible <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card user, especially while <a href="https://www.atome.ph/blog/online-shopping-security">shopping online</a>, by reading the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/tips/page/1">tips</a> below.</p>



<h2 class="wp-block-heading">What are Unauthorized Transactions?</h2>



<p>Unauthorized transactions are purchases or charges made to your <a href="https://www.atome.ph/atome-card">Atome Card</a> without your permission. These happen when someone gains access to your card details through illegal means, such as stealing your card information, phishing, or scamming. </p>



<p>Unauthorized transactions, especially small ones, tend to fly under one&#8217;s radar. That&#8217;s why it&#8217;s crucial to monitor your transaction history regularly. These can happen to anyone. When you know how to identify them early, you can safeguard your account and <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/finances/page/1">finances</a> better.</p>



<h2 class="wp-block-heading">How to Spot Unauthorized Transactions on Your Atome Card</h2>



<p>The key to protecting yourself from unauthorized transactions is to know what to look for and develop the habits that prevent these occurrences. Follow these points to help you better recognize and spot unauthorized transactions on your Atome Card quicker.</p>



<h3 class="wp-block-heading">Regularly check your Atome Card transaction history</h3>



<p>You won&#8217;t notice suspicious changes in your balance if you don&#8217;t monitor it regularly. The <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/get-the-app">Atome app</a> makes it easy to keep track of your recent purchases. Look out for any charges that seem unfamiliar or unexpected, even if they are small amounts. Unauthorized transactions often start with small test purchases before escalating to larger amounts.</p>



<p>Make it a habit to log into your account frequently and review all recent transactions. By doing so, you can catch suspicious activities early and take action before further damage is done.</p>



<h3 class="wp-block-heading">Look for unusual spending patterns</h3>



<p>If you notice multiple small transactions from the same merchant, purchases from locations you’ve never been to, or sudden spikes in spending, these could be signs that your card details have been compromised.</p>



<p>Additionally, any transactions occurring at odd hours or involving merchants you don’t recognize should be reviewed immediately. Keeping an eye on your account for these patterns can help you catch fraudulent activity before it worsens.</p>



<h3 class="wp-block-heading">Enable transaction notifications</h3>



<p>As much as you might want to monitor your account at all times, you can&#8217;t expect to be staring at the app for the entire day. You have work to do and people to meet. </p>



<p>This feature sends you real-time alerts every time your Atome Card is used. It’s a quick and effective way to ensure you’re immediately aware of all transactions on your account.</p>



<p>If you ever receive a notification about a purchase you didn’t authorize, it’s your first signal to investigate further. Quick action at this stage can help you prevent additional unauthorized transactions.</p>



<h2 class="wp-block-heading">4 Urgent Things to Do When You See Unauthorized Transactions on Your Atome Card</h2>



<p>In the unfortunate circumstance that you don&#8217;t recognize the recent transactions on your Atome Card, you&#8217;ll need to act fast. Who knows how much access cybercriminals have to your account. Here are the vitual steps to take if you spot unauthorized transactions or malicious activity on your Atome Card.</p>



<h3 class="wp-block-heading">1. Freeze your Atome Card</h3>



<ol start="1" class="wp-block-list"></ol>



<p>Once you’ve identified unauthorized <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/transactions/page/1">transactions</a>, you can temporarily freeze your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card through the app. This prevents any further charges from being made while the issue is under investigation. You can unfreeze your card at any time once the situation has been resolved.</p>



<h3 class="wp-block-heading">2. Contact Atome support</h3>



<ol start="2" class="wp-block-list"></ol>



<p>If you notice any unauthorized transactions on your Atome Card, the first step is to contact Atome’s customer support team through <strong>support@<a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">atome.ph</a></strong>.</p>



<p>Make sure to provide details about the suspicious transaction, including the date, amount, and merchant involved. The sooner you report it, the faster Atome can investigate and take action to protect your account.</p>



<h3 class="wp-block-heading">3. Monitor your account</h3>



<ol start="3" class="wp-block-list"></ol>



<p>After reporting unauthorized transactions, it’s essential to continue monitoring your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card for any additional suspicious activity. Keep an eye on your transaction history and re-enable transaction notifications if you have them turned off. If you notice any other unusual charges, report them immediately to prevent further damage.</p>



<h3 class="wp-block-heading">4. Change your password</h3>



<ol start="4" class="wp-block-list"></ol>



<p>In the case of a breach or unauthorized use of your card, it&#8217;s wise to change your Atome account password as an extra layer of security. Make sure to create a strong, unique password to reduce the risk of future incidents. You can also enable two-factor authentication (2FA) if available, for added account protection.</p>



<h2 class="wp-block-heading">Keeping an Eye on Your Atome Card</h2>



<p>Staying vigilant about your Atome Card transactions is key to preventing and addressing unauthorized activity. When you review your transaction history often, enable real-time alerts, and learn to recognize unusual spending patterns, you can better protect yourself against unauthorized transactions and potential fraud.</p>



<p>If you do encounter unauthorized transactions, follow the steps outlined in this guide—contact Atome support, freeze your card, file a dispute, and monitor your account. These actions help protect your financial security and ensure that any suspicious activity is handled swiftly.</p>
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How to Spot and Report Unauthorized Transactions on Your Atome Card


<p>Imagine strolling through your favorite mall or browsing your go-to online store, adding items to your cart without a second thought about immediate payments. That&#8217;s the reality you can live with <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card and its pay later feature.&nbsp;</p>



<p>Atome is revolutionizing how Filipinos shop by offering a seamless, interest-free <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">payment</a> option for the first 40 days.</p>



<p>This <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/blog">blog</a> post explores how to shop smarter and manage your budget more effectively <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/how-it-works">using Atome</a> Card&#8217;s pay later feature.</p>



<p>Whether buying <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/essentials/page/1">essentials</a> like groceries or treating yourself to the latest gadgets, we&#8217;ll show you how Atome provides financial flexibility and helps you stay on top of your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/finances/page/1">finances</a>.&nbsp;</p>



<p>Let&#8217;s dive in and <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/discover/page/1">discover</a> how to make the most of Atome&#8217;s pay later option in the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/philippines/page/1">Philippines</a>.</p>



<h2 class="wp-block-heading"><strong>What is Atome Card’s Pay Later Feature?</strong></h2>



<p>Atome&#8217;s <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">pay later</a> feature is designed to make shopping a lot more flexible without the stress of immediate payments. You can make purchases using your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card and spread the cost of the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/bill/page/1">bill</a> over 3 or 6 months. As a bonus perk, you can enjoy a 40-day interest-free period, making repayment and managing your budget even easier.</p>



<h2 class="wp-block-heading"><strong>4 Ways to Shop and Budget with Atome Card Pay Later&nbsp;</strong></h2>



<p>What can you do to budget better with your Atome Card? Take a look at the list below.&nbsp;</p>



<h3 class="wp-block-heading"><strong>1. Plan your purchases</strong></h3>



<p>Impulse buying is a quick way to create financial stress. So before hitting the stores or browsing the next online sale, take some time to make a <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">shopping</a> list of your priorities. This helps you focus on what you actually need and avoid the next flashy item with an attractive discount.&nbsp;</p>



<h3 class="wp-block-heading"><strong>2. Understand the difference between your Needs and Wants</strong></h3>



<p>Sometimes, a Want can look like a Need if you crave it enough. But don’t be fooled: trendy items go out of style eventually and you’ll almost always find alternatives that don’t require spending a lot.&nbsp;</p>



<p>So, before you go out with your Atome Card, consider what it is you want to buy in the first place and ask yourself: Is it absolutely necessary for you? Suppose you want to change your office chair at home. Is it because you saw a sale on office supplies or is your office chair really broken and ready for replacing?&nbsp;</p>



<p>There’s nothing wrong with treating yourself to <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/clothes/page/1">clothes</a>, gadgets, or great food, but those aren’t often urgently necessary. Delaying your gratification with your Atome Card could make the experience a lot more fulfilling once you’re able to hit that sweet Check Out button.</p>



<h3 class="wp-block-heading"><strong>3. Take advantage of promotions and Atome+ vouchers</strong></h3>



<p>Did you know that you don&#8217;t need to pay full price for everything? Atome+ is Atome&#8217;s loyalty program that allows you to buy vouchers for some of your favorite merchants <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/how-it-works">using Atome</a>+ points.&nbsp;</p>



<p>Atome also runs <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a>+ campaigns you can join to earn even more exciting rewards. Following Atome on Instagram, Facebook, and TikTok is the best way you can stay updated on these campaigns so you don&#8217;t miss out.&nbsp;</p>



<h3 class="wp-block-heading"><strong>4. Track your spending</strong></h3>



<p>One of the keys to effective <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/budgeting/page/1">budgeting</a> is tracking your spending. With Atome Card, it&#8217;s a breeze. You&#8217;ll receive a push notification on your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/phone/page/1">phone</a> every time you make a transaction using your Atome Card. These notifications include the amount you spent as well as where you paid. This makes regularly tracking your expenses even easier; now you won&#8217;t have to wonder where your money went.&nbsp;</p>



<p>The great thing about Atome Card&#8217;s spending limit is that it can work as a budget cap for you too. This makes it easier to avoid overspending when you use your Atome Card frequently; there&#8217;s already a limit, keeping your spending much more controlled.</p>



<h2 class="wp-block-heading"><strong>Expanding Your Shopping Experience with Atome Card</strong></h2>



<p>Shopping on a budget doesn’t have to feel constricting. It can be the opposite, in fact. Responsibly using your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/atome-card/page/1">Atome Card</a> not only allows you to buy the things you want, like the latest gadgets or trendy <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/outfits/page/1">outfits</a>, but it’ll also help you achieve your financial goals much faster.</p>



<p>That’s where Atome Card truly shines. It helps you balance paying for the items you need without sacrificing the things you want. So, if you haven’t applied for your Atome Card yet, now is your chance! Just scan the QR code on this article to find and apply for your Atome Card through the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/get-the-app">Atome app</a> today.</p>
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How to Shop and Budget with Atome’s “Pay Later” Feature in the Philippines


<p>Got your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/atome-card/page/1">Atome Card</a> in hand and ready to hit the Check Out button on your cart?&nbsp;</p>



<p>Wait just a minute.&nbsp;</p>



<p>You&#8217;re going to want to read this first.&nbsp;</p>



<p>With recent reports mentioning the rise in <a href="https://asia.nikkei.com/Business/Retail/Philippines-emerges-as-Asia-s-epicenter-for-online-shopping-scams2">online shopping scams</a> in the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/philippines/page/1">Philippines</a>, it&#8217;s worth it to take a moment to learn more about how these work and what you can do to ensure a safe online shopping experience with your Atome Card.&nbsp;</p>



<h2 class="wp-block-heading"><strong>4 Online Shopping Risks You Need to be Wary Of</strong></h2>



<p>Whether you&#8217;re a seasoned online shopper or new to the digital marketplace, you should always look out for the following online security risks. </p>



<h3 class="wp-block-heading">1. Fraud</h3>



<ol class="wp-block-list"></ol>



<p>Online fraud is among the most common types of online shopping risks. Data shows that there were over <a href="https://www.statista.com/statistics/1251863/philippines-number-of-online-fraud-cases/#:~:text=In%202023%2C%20there%20were%20over,incidents%20in%20the%20previous%20year.">14,000 online fraud cases in 2023</a> alone.&nbsp;</p>



<p>Online fraud occurs when scammers create fake websites or mimic legitimate ones to steal your payment information. Once they have your details, they can make unauthorized transactions, leading to financial losses and stress. </p>



<h3 class="wp-block-heading">2. Phishing</h3>



<ol start="2" class="wp-block-list"></ol>



<p>Phishing scams often come in the form of deceptive emails or messages that appear to be from reputable companies. They trick you into providing personal information, such as your login credentials or <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/credit-card/page/1">credit card</a> details. Falling for a phishing scam can compromise your accounts and personal data.</p>



<h3 class="wp-block-heading">3. Data breaches</h3>



<ol start="3" class="wp-block-list"></ol>



<p>Even legitimate online stores are not immune to data breaches. Hackers can infiltrate your favorite online store&#8217;s system and steal your data, including <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">payment</a> information and personal details. Such breaches can lead to identity theft and financial fraud, causing long-term damage to your credit and personal security.</p>



<h3 class="wp-block-heading">4. Malicious software</h3>



<ol start="4" class="wp-block-list"></ol>



<p>Malware, or malicious software, can infect your computer or mobile device through unsafe websites or downloads. In other words: viruses. Once installed, malware can monitor your online activities, capture keystrokes, and steal sensitive information. This can result in unauthorized access to your accounts and personal data.</p>



<p>By being aware of potential threats and taking proactive measures, you can enjoy the convenience of online shopping without compromising your security.&nbsp;</p>



<p>In the following sections, we&#8217;ll discuss how using your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card can help mitigate these risks and provide you with <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/tips/page/1">tips</a> for safe online shopping.</p>



<h2 class="wp-block-heading"><strong>Why Choose Atome Card for Online Shopping?</strong></h2>



<p>When it comes to online shopping, choosing a payment method that prioritizes your security is essential. Atome Card is designed with robust security features to ensure your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/transactions/page/1">transactions</a> are safe and protected.&nbsp;</p>



<p>Here’s why Atome Card stands out as the ideal choice for your online shopping needs:</p>



<h3 class="wp-block-heading">Secure Transactions</h3>



<p><a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> has a history of cybersecurity expertise that&#8217;s formed the foundation of the company since its beginning. This cybersecurity intelligence has allowed Atome to ensure that every transaction is secure, especially working with <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/mastercard/page/1">Mastercard</a> and&nbsp; Asia United Bank to provide a global standard in online and offline transactions.</p>



<h3 class="wp-block-heading">Spending Limits and Control</h3>



<p>With <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card, you can set spending limits that align with your budget and financial goals. This not only helps you manage your expenses but also adds an extra layer of security by limiting the amount that can be charged in case your card information is compromised.</p>



<h3 class="wp-block-heading">One-Time Password Authentication</h3>



<p>Before any online transaction succeeds, Atome&#8217;s back-end systems will send your registered mobile number a one-time password (OTP) to provide you with a layer of security. This allows you and Atome to verify that you are the owner of the card and confirm the transaction.&nbsp;</p>



<p>By choosing Atome Card for your online shopping, you are equipping yourself with a powerful tool that prioritizes your security and financial well-being.&nbsp;</p>



<h2 class="wp-block-heading"><strong>5 Tips for Shopping Online with Your Atome Card Safely</strong></h2>



<p>Using your Atome Card for online shopping is a great way to ensure secure transactions, but there are additional steps you can take to protect yourself further.&nbsp;</p>



<h3 class="wp-block-heading">Tip 1: Only shop on trusted websites&nbsp;</h3>



<p>How can you tell whether an online shop is one you can trust? Just check the URL. Secure websites start with &#8220;<a href="https://&#038;#8221" rel="nofollow">https://&#038;#8221</a>; and have a padlock icon in the address bar. These signs indicate that the website uses standard encryption to protect your data.</p>



<h3 class="wp-block-heading">Tip 2: Be careful with who you share your personal information online</h3>



<p>Your Atome Card details are for you and you alone. Avoid sharing your Atome Card details via email or over the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/phone/page/1">phone</a> unless you are sure of the recipient&#8217;s legitimacy. Additionally, use strong, unique passwords for your online <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">shopping</a> accounts to prevent anyone from randomly guessing them; consider using a password manager to keep track of them.</p>



<h3 class="wp-block-heading">Tip 3: Monitor your transactions</h3>



<p>Set up transaction alerts so you can be notified of any purchases made with your card. Promptly report any suspicious activity to Atome Card’s customer service to prevent further issues.</p>



<p>Ensure that your push notifications on your phone are enabled so you can always be alerted about transactions using your Atome Card.</p>



<h3 class="wp-block-heading">Tip 4: Avoid public Wi-Fi for transactions</h3>



<p>Public Wi-Fi networks are often unsecured and can be a hotbed for hackers looking to steal your information. Avoid making online purchases while connected to public Wi-Fi. Instead, use a secure, private network to ensure your data remains protected.</p>



<h3 class="wp-block-heading">Tip 5: Be Wary of Phishing Scams</h3>



<p>Phishing scams can be tricky to spot but they often have a few dead giveaways. One is the sender&#8217;s email address. If it&#8217;s an official-looking email sent from an @gmail.com email address, it&#8217;s likely not from a legitimate source. Additionally, if it&#8217;s asking you to reply with sensitive personal information, then it&#8217;s like not an official communication.&nbsp;</p>



<p>If you receive these emails, contact customer service immediately to verify their legitimacy and protect your account.&nbsp;</p>



<h2 class="wp-block-heading"><strong>Ensure Enjoyable Online Shopping with Atome Card</strong></h2>



<p>As prevalent as fraud and online scamming has become, you shouldn’t let the fear of that get in the way of you enjoying your Atome Card to the fullest.&nbsp;</p>



<p>Staying safe while shopping online is more important than ever in today’s digital age. By understanding the common risks associated with online shopping and taking proactive steps to protect yourself, you can enjoy the convenience and benefits of online shopping with peace of mind.</p>
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5 Essential Online Shopping Security Tips to Follow 


<p>Two in three Filipinos who have heard of buy now, pay later services have used it in the past year. That’s according to <a href="https://newsroom.transunion.ph/buy-now-pay-later-grows-in-popularity-as-filipinos-desire-greater-access-to-credit-services/#:~:text=Buy%20Now%20Pay%20Later%20sees%20increased%20usage%20among%20Gen%20Z&amp;text=Among%20all%20Filipinos%20who%20said,to%2061%25%20in%20Q1%202023.">a recent TransUnion study</a>. It’s an increase from their previous year’s research of roughly one in two Filipinos.&nbsp;</p>



<p>The statistic is clear: buy now, pay later is a growing wave in the local economy. It’s transformed plenty of traditional <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/transactions/page/1">transactions</a> from one-off payments into multi-month obligations. It&#8217;s also empowered hundreds of thousands of users nationwide with a spending ability they wouldn’t have had access to.&nbsp;</p>



<p>If you want to remain ahead of the curve or simply educate yourself on the history of buy now, pay later in the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/philippines/page/1">Philippines</a>, then keep reading. This article explains how buy now, pay later services grew in the Philippines and the benefits it&#8217;s brought customers along the way.</p>



<h2 class="wp-block-heading"><strong>The Rise of Buy Now Pay Later in the Philippines</strong></h2>



<p>Before buy now, pay later services became popular, Filipinos relied primarily on traditional financing methods. These included credit cards, personal loans, and informal lending. Even then, some of these options were still inaccessible to many.&nbsp;</p>



<p>The underbanked population often struggled to qualify for a loan, let alone a <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/credit-card/page/1">credit card</a>. Informal lending would usually have unreasonable interest rates attached to them.&nbsp;</p>



<p>Fortunately, things are changing. Recent numbers from the <a href="https://legacy.senate.gov.ph/publications/SEPO/SEPO_AAG_Financial%20Inclusion%20AAG_final.pdf">Senate Economic Planning Office (SEPO) of the Philippines</a>, the number of underbanked Filipino adults in 2021 reached 34.3 million, a positive change from 51.2 million in 2019.&nbsp;&nbsp;</p>



<p>The rise of buy now, pay later services can easily be a reason why more Filipinos are getting comfortable with money. A study forecasted buy now, pay later sales to surge to over <a href="https://www.bworldonline.com/banking-finance/2023/12/06/561720/bnpl-sales-seen-surging-by-173/">170% in 2024</a>.&nbsp;</p>



<p><a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> is a leading brand among buy now, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">pay later</a> providers in the Philippines. It offers its customers the Atome Card, a pay-later card that grants users with spending limits of up to ₱200,000 and the ability to split their card payment into installments of up to 6 months.</p>



<p>But to better appreciate the evident rise in <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">buy now</a>, pay later in the Philippines, it&#8217;s crucial to first understand how the model works in the first place.</p>



<h2 class="wp-block-heading"><strong>How Does Buy Now Pay Later Work?&nbsp;</strong></h2>



<p>What makes buy now, pay later services so attractive to Filipino customers? The open secret lies in how it operates. Here are its three main components.</p>



<h3 class="wp-block-heading"><strong>Assessing the user</strong></h3>



<p>When you sign up for buy now, pay later services, they conduct comprehensive checks in the background to determine your creditworthiness and how much spending limit to assign you. These are done to manage the provider&#8217;s risk by assigning you with a certain spending limit, ensuring that you&#8217;re the type of user who can repay it easily.&nbsp;</p>



<h3 class="wp-block-heading"><strong>Financing the purchase</strong></h3>



<p>Once the buy now, pay later provider has accepted your application and assigned you a certain spending limit, you&#8217;re now able to use it for your various purchases.&nbsp;</p>



<p>Suppose there is an item you want to buy, such as an air conditioner for your home. You can think of the buy now, pay later service as a short-term <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/atome-cash">loan</a> provider, giving you the money you need to pay for the big ticket item.&nbsp;</p>



<h3 class="wp-block-heading"><strong>Processing the transaction</strong></h3>



<p>This is where the buy now, pay later service shines. While merchants will ask you to pay them for the entirety of the cost of a product, pay-later services will allow you to split the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">payment</a> into multiple monthly installments. In <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a>&#8217;s case, you can split your card&#8217;s <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/bill/page/1">bill</a> into 3 or 6 easy monthly installments.&nbsp;</p>



<p>Buy now, pay later services will ask you to pay an additional percentage of the installments as interest. However, with <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a>, if you repay what you owe within 40 days, you won&#8217;t be charged with interest. That&#8217;s why plenty of users use it over others.&nbsp;</p>



<h2 class="wp-block-heading"><strong>3 Benefits of Buy Now Pay Later Services</strong></h2>



<p>Buy now, pay later services are more than just another financial trend. It offers real-world benefits to its approved users. Below are just some of the advantages that users can enjoy.&nbsp;</p>



<h3 class="wp-block-heading"><strong>1. Offers financial flexibility&nbsp;</strong></h3>



<p>Unlike credit cards that may have stringent approval processes and high interest rates, buy now, pay later services such as <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/atome-card/page/1">Atome Card</a> allow users to make purchases and spread payments over time without incurring interest if paid within a specified period.&nbsp;</p>



<p>This flexibility empowers you to manage their <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/atome-cash">cash</a> flow more effectively, making larger purchases feasible without immediate financial strain.</p>



<h3 class="wp-block-heading"><strong>2. Allows you to manage your budget much easier</strong></h3>



<p>This feature is particularly appealing to consumers who prefer predictable payment plans over lump-sum payments. By breaking down payments into smaller chunks over several months, you can budget more effectively, aligning expenditures with their income streams.&nbsp;</p>



<p>This approach not only enhances financial planning but also reduces the likelihood of impulse spending, promoting more responsible financial habits among users.</p>



<h3 class="wp-block-heading"><strong>3. Increases your spending power</strong></h3>



<p>The number of items you buy expands tremendously once you have access to a trustworthy buy now, pay later service such as Atome. Since you can now make repayments over 3 to 6 months, you don&#8217;t have to worry as much about having all the money you need upfront to pay for your wants and, especially, your needs, such as a much-needed grocery trip or an item you need in case of an emergency.&nbsp;</p>



<h2 class="wp-block-heading"><strong>Level Up Your Finances with Atome Card</strong></h2>



<p>The buy now, pay later model is a new way of paying that&#8217;s empowering more and more Filipinos with an assigned spending limit. Its quick rise these recent years indicates an expansive demand among the country&#8217;s population for financial accessibility.&nbsp;</p>



<p>If you&#8217;re interested in joining the growing number of Filipinos taking advantage of this service, consider applying for your own Atome Card today! The process takes 90 seconds and you can be approved instantly! Just scan the QR code to get started.</p>
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The Rise of Buy Now, Pay Later in the Philippines


<p>What was the last item you bought online?&nbsp;</p>



<p>Let’s face it: Everyone shops online. From the trendiest <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/outfits/page/1">outfits</a> and latest gadgets to wellness <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/essentials/page/1">essentials</a> and groceries, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">shopping</a> online has brought a world of convenience to modern life. The key that unlocks this superpower is your spending card.&nbsp;</p>



<p>If you’re on the hunt for a new card to shop online with, you’re reading the right article. Atome Card is among the best <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">pay later</a> cards you can apply for that empowers you to spend online without breaking the bank.&nbsp;</p>



<p>Continue reading to learn more.</p>



<h2 class="wp-block-heading"><strong>4 Advantages of Using Atome Card for Online Shopping</strong></h2>



<p>It only takes 90 seconds to apply for your Atome Card. There’s no minimum income required; all you need is a valid government ID. Once you’re approved—which can take three days or less—you can enjoy the following benefits of shopping online with your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/atome-card/page/1">Atome Card</a>.</p>



<h3 class="wp-block-heading">1. Enjoy flexible payment options</h3>



<p>Found your dream pair of shoes but working on a tight monthly budget? Atome Card has got your back. Thanks to <a href="https://www.atome.ph/blog/installment-plan">Atome Card’s installment plans</a>, you can now stretch your budget further while keeping to responsible spending practices. </p>



<p>After using your Atome Card to pay for your purchases online, you can repay your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/bill/page/1">bill</a> in 3 or 6 months. That means you can spread the cost of your purchases over a longer period in more manageable amounts. This makes managing your budget a lot easier than other card options that don’t offer this feature.</p>



<h3 class="wp-block-heading">2. Shop international brands</h3>



<p><a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card is a <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/mastercard/page/1">Mastercard</a>; therefore, you can shop at any eCommerce store that allows for Mastercard <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">payment</a>. Fortunately, it would be difficult to find a store that doesn’t accept Mastercard. Recent data shows that an estimated <a href="https://www.paymentsdive.com/news/mastercard-credit-debit-card-growth-digital-cash-strategy/701871/#:~:text=110%20million%20merchants">110 million merchants</a> worldwide accept Mastercard—that’s a lot of shopping. </p>



<p>That means you don’t have to limit your spending to the stores within your country, but also shop for items from the other side of the globe.</p>



<h3 class="wp-block-heading">3. Feel secure with Atome Card&#8217;s security features</h3>



<p>You’ll be notified whenever you make a purchase online. This feature benefits you for two reasons. The first is that it makes your expense tracking a lot easier. If you have a spreadsheet with your previous expenses or you have a routine where you go over your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/finances/page/1">finances</a>, this feature is going to come in handy. But it has another benefit: security.</p>



<p>Imagine you’re going about your day. You aren’t at your desk at the moment; maybe you’re talking to your friends. Suddenly, you get a notification: There’s been a transaction processed using your Atome Card. If you hadn’t received this notification, you wouldn’t have known that someone else might’ve gotten a hold of your information.&nbsp;</p>



<p>Thanks to the real time notifications of <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/transactions/page/1">transactions</a>, you’ll quickly be alerted of such incidents. You can take the proper actions to protect your account, such as locking your digital card and changing your PIN. </p>



<h3 class="wp-block-heading">4. Budget your expenses better</h3>



<p>According to recent government research, many Filipinos tend to <a href="https://www.philstar.com/business/2021/11/01/2138052/pinoys-spend-more-they-earn">spend more than they earn</a>. It’s the source of plenty of their financial struggles. The good news is that you can avoid such a situation. </p>



<p>Your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card’s spending limit helps you maintain your budget and prevents you from overspending if you use your Atome Card exclusively for online shopping. It can be accepted as your hard cap for your online expenses. That way, you won’t even have to think about how much to set aside for your online shopping needs; the automatic spending limit given to you can do it for you.</p>



<h2 class="wp-block-heading"><strong>Atome Card: Your Best Online Shopping Companion&nbsp;</strong></h2>



<p>There’s no question that online shopping is the new norm in commerce. As you continue building your habit of buying products online, you’ll want to consider giving the card that you use an upgrade.&nbsp;</p>



<p>The Atome Card is an excellent companion to have when you want to buy something overseas or manage your budget much better. So, what are you waiting for? If you don’t have your Atome Card yet, scan the QR in this article to apply for one right now.</p>
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4 Advantages of Using Your Atome Card for Online Shopping


<p>Savvy <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">shopping</a> isn&#8217;t what it used to be. Now, it&#8217;s about managing your finances in a way that maximizes how much you can buy without going beyond your budget. It’s why <a href="https://www.philstar.com/business/2024/01/22/2327478/more-pinoys-do-buy-now-pay-later-transactions">reports say</a> that more Filipinos are using <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">buy now</a>, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">pay later</a> <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/transactions/page/1">transactions</a>.</p>



<p>Out of all the emerging methods and systems you can take advantage of to get a better grip on your finances, one stands out the most: installment plans.&nbsp;</p>



<p>These are flexible ways to pay for big-ticket expenses so you can much better manage your spending and budget. In other words, it increases your purchasing power.&nbsp;</p>



<p>This article delves into why you shouldn&#8217;t ignore <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">installment</a> plans and introduces you to one of the <a href="https://www.atome.ph/atome-card">Atome Card&#8217;s</a> defining features: the ability to split your Card bill payment into 3 to 6-month installments.</p>



<h2 class="wp-block-heading"><strong>What is an Installment Plan and How Does it Work?</strong></h2>



<p>An <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">installment</a> plan is a way to divide a single <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">payment</a> into multiple smaller payments over time. You&#8217;re required to make these smaller payments regularly, typically monthly, until you&#8217;ve paid the entire amount.&nbsp;</p>



<p>Take this example: Suppose your air conditioner suddenly breaks down. The summer heat is almost unbearable but payday is still far away and air conditioners are out of your current budget. What do you do? Here is where an installment plan can save you.&nbsp;</p>



<p>Instead of, say, paying ₱10,000 in one go for a brand new air conditioner, you can split the payment into multiple, smaller payments, depending on what the store or your financial provider can accommodate.&nbsp;</p>



<h2 class="wp-block-heading"><strong>How Atome&#8217;s Flexible Installment Plans Work</strong></h2>



<p>Atome does this but for your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card bill. Instead of paying off the entire bill on its due date—which can disrupt your budget if it&#8217;s an expensive <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/bill/page/1">bill</a>—you can split the payment into a 3-month or 6-month installment plan. That way, it&#8217;s much easier to manage your monthly dues.&nbsp;</p>



<p>The first installment is paid at the point of purchase, followed by the remaining two, which are due 30 days apart. This setup is interest-free, with no hidden charges, ensuring transparency and affordability.</p>



<p>By understanding these aspects of Atome&#8217;s installment plans, you&#8217;re better equipped to manage your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/finances/page/1">finances</a> effectively while enjoying the freedom to own your aspirations without upfront financial burden.</p>



<h2 class="wp-block-heading"><strong>Benefits of Using Atome&#8217;s Installment Plans</strong></h2>



<h3 class="wp-block-heading"><strong>1. Offers interest-free installments</strong></h3>



<p>Installment plans typically come with interest, leading you to pay more than the original price of the item. You can think of the interest as the cost for the convenience of an installment plan. Interest is often what gets people into stressful financial situations because they don&#8217;t realize how much more they&#8217;re spending while making the same purchase.&nbsp;</p>



<p>With Atome, you can avoid all of that hassle. Your Atome Card gives you the benefit of 0% interest on your monthly purchases for 40 days. That means you&#8217;ll only pay for however much your bill was. Nothing more.&nbsp;</p>



<h3 class="wp-block-heading"><strong>2. Improves your financial flexibility</strong></h3>



<p>Atome&#8217;s installment plans not only ease the burden of lump-sum payments but also enhance your financial flexibility. By allowing you to split your card bill payments over three to six months, Atome helps you align your spending with your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/atome-cash">cash</a> flow.&nbsp;</p>



<p>This flexibility is particularly beneficial in managing unexpected expenses or balancing your budget with compromising on paying for needs or wants.</p>



<h3 class="wp-block-heading"><strong>3. Unlocks access to premium products&nbsp;</strong></h3>



<p>With the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card, you gain access to a wide range of premium products both locally and overseas, as it is accepted anywhere <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/mastercard/page/1">Mastercard</a> is used. Whether you&#8217;re shopping online, in-store, or abroad, you can take advantage of Atome Card&#8217;s installment plans to acquire high-quality products without the upfront financial burden.&nbsp;</p>



<p>This accessibility makes it easier for you to upgrade your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/lifestyle/page/1">lifestyle</a> by investing in high-value items like <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/electronics/page/1">electronics</a>, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/fashion/page/1">fashion</a>, or even <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/home-decor/page/1">home decor</a>, which might otherwise be out of reach due to their cost.</p>



<h3 class="wp-block-heading"><strong>4. Allows you to enjoy promotions and discounts</strong></h3>



<p>Taking advantage of the latest Atome Card promos is a savvy way to enhance your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/savings/page/1">savings</a> without compromising on quality. Many popular brands offer seasonal promotions, including discounts or reward points on holidays or special occasions, which can be a great opportunity to earn extra savings or rewards when using your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/atome-card/page/1">Atome Card</a>.&nbsp;</p>



<h2 class="wp-block-heading"><strong>Boost Your Spending Power with Atome Card Installment Plans&nbsp;</strong></h2>



<p>Being a smart and savvy shopper involves sticking to your budget. But with prices rising, that can be a lot easier said than done. It&#8217;s why Atome Card empowers you to take advantage of the benefits of installment plans. By splitting your Atome Card bill into 3 or 6 months, you won&#8217;t have to spend so much upfront, allowing you to better manage your finances.&nbsp;</p>



<p>Considering applying for your own card? It only takes 90 seconds! Apply for your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card now!</p>
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How to Maximize Purchases with Atome Card Installment Plans


<p>What’s a card billing date? How do you avoid late payments?</p>



<p>If you’ve asked these questions recently, then this short article is for you.&nbsp;</p>



<p>While your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card can unlock a world of spending for you, such as giving you access to the hottest cafes or allowing you to shop for souvenirs internationally, part of being a responsible card holder is managing your bills properly.&nbsp;</p>



<p>Missing payments can lead to additional charges and even a frozen account. Learn how to better understand your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/bill/page/1">bill</a> and ways to ensure you’re always on top of it.&nbsp;</p>



<h2 class="wp-block-heading"><strong>What is a Billing Statement?</strong></h2>



<p>Your billing statement is a document you receive every month that compiles all your expenses using your card. Your date when you receive your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card billing statement will depend on when you apply and become approved for your card.&nbsp;</p>



<h2 class="wp-block-heading"><strong>3 Tips for Managing Your Atome Card Bills</strong></h2>



<p>Now that you understand more about your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card bills, you next need to understand how best to manage them. Here are a few strategies you can follow to ensure you always pay your bills on time and reduce your stresses with Atome Card.</p>



<h3 class="wp-block-heading">1. <strong>Take note of your due date</strong></h3>



<p>Missing payments not only incurs additional fees, but it also affects your standing with financial lending companies. To avoid these occurrences, ensure that you always keep your Atome Card bill due date in mind.&nbsp;</p>



<p>Place a reminder on your calendar or set a monthly alarm on your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/phone/page/1">phone</a> to avoid missing your due date.&nbsp;</p>



<h3 class="wp-block-heading"><strong>2. Track your spending</strong></h3>



<p>Tracking your spending is a fundamental habit to build to improve your financial literacy. Not only does it give you a reliable look at your spending habits, but it will also help you gauge and verify your Atome Card billing statement.&nbsp;</p>



<h3 class="wp-block-heading"><strong>3. Review your statement regularly</strong></h3>



<p>Tracking your spending regularly will help you become familiar with how your billing is calculated. That way, you can better prepare for how much you can spend at the end of your Atome Card’s next billing cycle.&nbsp;</p>



<h2 class="wp-block-heading"><strong>Frequently Asked Questions About Atome Card Bills&nbsp;</strong></h2>



<p>Managing your Atome Card bills is often easier said than done. It can get confusing if you aren’t used to it. But don’t worry. Below are answers to a few of the most common questions people ask about card bills.</p>



<h3 class="wp-block-heading"><strong>Can I pay early?</strong></h3>



<p>Yes. The amount you can pay early will depend on how much you owe and the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">installment</a> plan you’ve chosen for your Atome Card.&nbsp;</p>



<p>That said, you’ll still be charged for interest and other fees associated with the Atome Card <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">installment</a> plan you’ve chosen.&nbsp;</p>



<h3 class="wp-block-heading"><strong>What happens if I miss my Atome Card bills payment?</strong></h3>



<p>You’ll need to pay an additional 5% as an admin fee based on your unpaid amount. Your Atome account will also be frozen, meaning you won’t be able to use it when you still have an unpaid balance. Making the necessary payments is the only method of unfreezing and reactivating your account.&nbsp;</p>



<p>Although there may be times when repayment isn’t possible, it still isn’t ideal to miss your due dates. Ensure that you pay your Atome Card bill by the deadline as often as possible to avoid incurring additional fees or affecting the status of your account.&nbsp;</p>



<h3 class="wp-block-heading"><strong>How can I pay for my Atome Card bills?</strong></h3>



<p>You can repay your Atome Card bills either through over-the-counter (OTC) payments, or your linked credit or debit card on the app. Instapay payments are also accepted.&nbsp;</p>



<p>If you want to pay OTC, then you may visit the following stores:&nbsp;</p>



<ol class="wp-block-list">
<li>7-Eleven</li>



<li>Cebuana Lhuillier</li>



<li>Palawan Express</li>



<li>M Lhuillier</li>



<li>LBC</li>



<li>EC Pay</li>



<li>Dragon Pay</li>



<li>RD Pawnshop</li>



<li>CVM Pawnshop</li>
</ol>



<p>Credit or debit card payments will require you to pay an additional processing fee of 2.24%, including tax. If you don’t want to bind your card to the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/get-the-app">Atome app</a>, you may also pay your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/atome-card/page/1">Atome Card</a> bills through e-wallet providers, such as Maya. For this form of repayment, there will be a processing fee of 1.85%.&nbsp;</p>



<p>Instapay bank transfers are another acceptable way of repaying your Atome Card bills. You must first navigate to your account on the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/get-the-app">Atome app</a>, tap “Home and Bills,” then “Atome Card.” A 16-digit code will appear which you must copy. Paste this code onto the banking or e-wallet app you’re transferring from.&nbsp;</p>



<h2 class="wp-block-heading"><strong>Develop the Financial Skills to Pay the Bills</strong></h2>



<p>Paying your Atome Card bills on time is essential to being a responsible cardholder. What stops many people from making the necessary payments is not understanding how their bills work.&nbsp;</p>



<p>But now that you know the key strategies for managing your Atome Card bills, you can become much better at reducing your stress and managing your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/finances/page/1">finances</a>.</p>
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3 Tips for Managing Your Atome Card Bills 


<p><a href="https://www.advancegroup.com/business-units/atome-financial">Atome Financial</a>, Southeast Asia’s leading digital financial services platform, comprising Atome buy-now-<a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">pay later</a> (BNPL) and Kredit Pintar, one of Indonesia&#8217;s foremost digital lending platforms, announced today its exceptional financial performance for the full year of 2023.&nbsp;<br><br>The company&#8217;s unaudited statement from January to December 2023 showcases a remarkable achievement, with operating income nearly doubling to US$170 million, marking an impressive jump from the previous year&#8217;s US$88 million.</p>



<p>In addition to this notable growth trajectory, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Financial achieved another significant milestone in the first quarter of 2024 by turning EBITDA positive, demonstrating the company&#8217;s strategic prowess and sound <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/blog">financial management</a>.</p>



<p>One of the standout successes for Atome Financial lies in the profitability of its BNPL business, Atome.&nbsp;<br><br>With GMV (Gross Merchandise Volume) of nearly US$1.5 billion processed in 2023 – a 40% increase from the preceding year despite significant cost rationalisation and macro headwinds – Atome <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">BNPL</a> turned profitable, thanks to a 130% surge in revenue.</p>



<p>The journey to achieving this significant milestone can be attributed to several key factors:</p>



<p>a)&nbsp;<strong>Laser-focused operational efficiency:</strong>&nbsp;Disciplined operational execution, streamlining processes and relentless focus on core business fundamentals to maximise profitability.</p>



<p>b)&nbsp;<strong>Expansion of regional commercial partnerships:&nbsp;</strong>Strategic collaborations with leading regional ecommerce platforms such as TikTok Shop and Lazada, alongside forging new partnerships like Chubb, played a pivotal role in expanding Atome&#8217;s revenue and user growth.</p>



<p>c)&nbsp;<strong>Expansion and diversification into broader digital financial services:</strong>&nbsp;New product launches include the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome PayLater</a> Anywhere Card in the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/philippines/page/1">Philippines</a> and <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/atome-cash">Atome Cash</a> loans in both the Philippines and Indonesia, diversifying its product offerings and leveraging the company’s unique knowledge of local markets and expertise in risk-managed credit and underwriting.&nbsp;</p>



<p>d)&nbsp;<strong>Solid capital base:</strong>&nbsp;Strong support from shareholders and capital partners which validate <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a>’s regional platform value and operational excellence, enabling <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> to continue to innovate and scale profitably.&nbsp;</p>



<p>Atome Financial&#8217;s exceptional performance underscores the company&#8217;s resilience, adaptability, and unwavering dedication towards its mission of providing consumers with easier, simpler, and more affordable access to digital-first financial services, leveraging world-class risk management and underwriting technology, coupled with disciplined operational execution.</p>
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Atome Financial’s full-year operating income doubles to US$170M in 2023, turns profitable in Q1 2024


<p>Atome Card already offers you countless benefits, such as giving you the ability to split your Atome Card <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/bill/page/1">bill</a> into 3 or 6 installments and 0% interest on your monthly purchases. But did you know you can unlock even more perks with your Atome Card?&nbsp;</p>



<p>Atome+ (pronounced &#8220;Atome Plus&#8221;) is an exclusive rewards program that enhances your shopping experience with your Atome Card. This article provides essential information about Atome+ Points, how they work, how you can earn them, and where you can redeem them.</p>



<h2 class="wp-block-heading"><strong>What is Atome Plus?</strong></h2>



<p>Atome Plus is Atome’s loyalty program offering exclusive discounts and benefits through Atome+ Points. You can use the points you earn to redeem exclusive vouchers at your favorite stores and join campaigns for a chance to win exciting prizes.</p>



<h2 class="wp-block-heading"><strong>How Do You Earn Atome+ Points?</strong></h2>



<p>There are a few ways for you to earn your Atome+ points.</p>



<h3 class="wp-block-heading">1. <strong>Complete your Atome Card registratio</strong>n</h3>



<p>Once you’ve completed and submitted your <a href="https://www.atome.ph/blog/atome-card-application?p=10">Atome Card application</a>, you’ll have an exciting incentive for registering your card: Atome+ Points as a new user.&nbsp;When you finish registering your Atome Card, you already earn Atome+ Points which you can use for the in-app Spin &amp; Win game.</p>



<h3 class="wp-block-heading">2. <strong>Refer your friends</strong></h3>



<p>The Member Get Member program is one of the fastest ways to earn a huge amount of points.</p>



<p>How many Atome+ Points do you earn when someone successfully applies for an Atome Card? When you successfully refer two of your friends, you can earn 500 Atome+ Points; but when you refer five, you’ll receive 2,500 Atome+ Points in return.&nbsp;</p>



<p>To receive the Atome+ Points through Atome Plus, you’ll need to send people your referral link. Navigate to the Me tab in the app and tap “Refer <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card.” You’ll find a button to generate your unique referral link which you can easily send to your friends and family.</p>



<h3 class="wp-block-heading">3. <strong>Join campaigns and giveaways</strong></h3>



<p>Atome regularly runs campaigns and giveaways to offer you exciting prizes. One of the most sought-after rewards during these periods is Atome+ Points. Participating in these limited-time promotions is an excellent strategy for increasing the amount of Atome+ Points you have.&nbsp;</p>



<p>How do you stay updated on the latest campaigns and giveaways? Enabling notifications on your Atome app is an easy way to learn about new opportunities to earn Atome+ Points quickly. Besides that, you can also <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/discover/page/1">discover</a> the latest from Atome by following the official <a href="https://www.instagram.com/atome.ph/">Instagram</a> and <a href="https://www.facebook.com/atomecardph/">Facebook</a> accounts.&nbsp;</p>



<h2 class="wp-block-heading"><strong>What are the Benefits of Atome+ Points?</strong></h2>



<p>Atome+ Points are more than just a currency you accumulate through your referrals or campaign participation. Take a look at some of the perks of earning Atome+ Points.&nbsp;</p>



<h3 class="wp-block-heading"><strong>Get the chance to win exciting prizes</strong></h3>



<p>You can use the Atome+ Points to join the Spin &amp; Win mini-game on the Atome app. For only 3 Atome+ Points, you can spin the wheel and get the chance to win special prizes, such as additional <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a>+ Points or even a brand-new iPhone.</p>



<h3 class="wp-block-heading"><strong>Earn exclusive vouchers &amp; discounts</strong></h3>



<p>Shopping for new, aesthetic <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/outfits/page/1">outfits</a> and exploring new <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/dining/page/1">dining</a> spots are some of the best ways you can use your Atome Card. You can be a smarter shopper thanks to your Atome+ Points.</p>



<p>Navigate to the Rewards Center on your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/get-the-app">Atome app</a> and you&#8217;ll see all the vouchers you can redeem using your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a>+ Points. Look through them to see which spots you can take your Atome Card next.&nbsp;</p>



<h2 class="wp-block-heading"><strong>Frequently Asked Questions</strong> about Atome Plus</h2>



<h3 class="wp-block-heading"><strong>Who is eligible to earn Atome+ Points?</strong></h3>



<p>Every registered Atome user is eligible to earn Atome+ Points. That means you can start collecting points as soon as your Atome Card application is approved.</p>



<h3 class="wp-block-heading"><strong>When will my Atome+ Points expire?</strong></h3>



<p>Your Atome+ Points have a 12-month validity from the date you receive them. How do you know whether its expiration date is nearing? Simply navigate to the Me tab on the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/get-the-app">Atome app</a> and you’ll quickly see your Atome+ Points’ details, from the amount you have to when it’ll expire.&nbsp;</p>



<h2 class="wp-block-heading"><strong>More Points, More Perks</strong> with Atome Plus</h2>



<p>Just when you think that your Atome Card already offers incredible convenience, Atome+ is there to elevate your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">shopping</a> experience. Atome+ Points unlock a world of exciting prizes and discounts that make your Atome Card your go-to card for cashless <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/transactions/page/1">transactions</a>.&nbsp;</p>



<p>You can use the points you&#8217;ve earned from campaigns or referrals to redeem numerous vouchers from your favorite brands and make shopping easier. If you&#8217;re feeling lucky, spend 3 Atome+ Points on the Spin the Wheel mini-game for a chance to win a brand-new iPhone 15.&nbsp;</p>



<p>It’s an exciting program you definitely shouldn’t forget whenever you’re using your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/atome-card/page/1">Atome Card</a>, whether it’s for <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/travel/page/1">travel</a> or everyday expenses.&nbsp;</p>



<p>If you haven’t gotten your Atome Card yet, signing up for one only takes 90 seconds! Just scan the QR code to <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/get-the-app">download the app</a> and apply for the card today!</p>
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The Ultimate Guide to Atome+ (Atome Plus) 


<p>As the weather heats up, it can often mean one thing: summer. </p>



<p>You might be among the many Filipinos booking their flights abroad for a much-needed vacation, whether it be around the Southeast Asia region, such as Singapore, or even further West like the Americas or Europe. </p>



<p>Whether or not it&#8217;s your first time to <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/travel/page/1">travel</a>, one of the most important aspects to secure while you&#8217;re on your trip is your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/finances/page/1">finances</a>. The exchange rate shouldn&#8217;t be your only concern.</p>



<p>Cashless and contactless <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">payment</a> is growing in popularity in many places abroad. That&#8217;s why if you want to unlock more convenience and excitement with your travels, you can consider using your Atome Card abroad.</p>



<h2 class="wp-block-heading"><strong>What You Need to Know About Atome Card</strong></h2>



<p><a href="https://www.atome.ph/atome-card">Atome Card</a> provides you with a <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">buy now pay later</a> card with an assigned spending limit. It allows you to enjoy 40 days of interest-free credit and gives you the option to divide your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/bill/page/1">bill</a> into more manageable 3 or 6-month installments. </p>



<p>Applying to the card is simple and quick; all you need to do is scan the QR code below to <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/get-the-app">download the app</a> and begin your Atome Card application process.</p>



<h3 class="wp-block-heading"><strong>How does Atome Card work internationally?</strong></h3>



<p>What enables you to use Atome Card internationally is the fact that it&#8217;s a <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/mastercard/page/1">Mastercard</a>. Mastercard is one of the most well-known payments networks worldwide. Countless merchants that accept card payments will accept a Mastercard, more often than not. </p>



<p>It&#8217;s also what allows you to take advantage of plenty of the latest <a href="https://www.atome.ph/blog/unlocking-savings-guide-to-atome-card-promos">Atome Card promos</a> that unlock <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/savings/page/1">savings</a> and elevate your experience with Atome.</p>



<h2 class="wp-block-heading"><strong>5 Safety Tips for Using Your Atome Card Abroad</strong></h2>



<p>Although you can follow the <a href="https://www.atome.ph/blog/safety-tips-for-using-atome-card-in-the-philippines">safety tips for using your Atome Card in the Philippines</a>, you&#8217;ll have to practice even more caution when you&#8217;re abroad. For one, you may be going to unfamiliar locations, which could make you more susceptible to fraud. For another, the</p>



<h3 class="wp-block-heading">1. <strong>Be mindful of your surroundings and belongings</strong></h3>



<p>Pickpockets and snatchers tend to focus on foreigners because they tend to be less aware of the country&#8217;s customs and culture. But it&#8217;s more than being on the lookout for shady individuals; it&#8217;s just as important to observe and stay away from locations that may jeopardize your safety, such as a poorly lit ATM late at night. </p>



<p>It&#8217;s always essential that you keep your belongings close to ensure you return home with everything you packed.</p>



<h3 class="wp-block-heading">2. <strong>Understand the associated fees</strong></h3>



<ol class="wp-block-list" start="2">
<li></li>
</ol>



<p>What is a cross-border fee? What are the exchange rates? You might&#8217;ve asked yourself these questions when considering your itinerary for the trip. They&#8217;re valid questions to ask and important to understand to be a responsible Atome Card user abroad.</p>



<p>Cross-border fees occur because there are more parties involved in processing your transaction abroad. The added expense is meant to ensure your protection and as a payment for the services you&#8217;re using. </p>



<p>Atome has a Foreign Exchange Conversion Fee of 3.10%. The amount is the sum of the 1.98% service fee and 1.12% cross-border process that Mastercard levies.</p>



<p>That said, it&#8217;s always possible that you spend more than you realize and may want to reverse the transaction. </p>



<p>Fortunately, Atome allows you to reverse certain cross-border transactions. If the transaction is pending and hasn&#8217;t yet been processed, Atome can refund the transaction amount and the associated cross-border fees. However, if the transaction has already been processed, Atome will only refund the transaction amount.</p>



<h3 class="wp-block-heading">3. <strong>Monitor your transactions</strong></h3>



<ol class="wp-block-list" start="3">
<li></li>
</ol>



<p>For many travelers, shopping is an essential part of any trip. It&#8217;s the perfect time to take advantage of <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/fashion/page/1">fashion</a> deals you wouldn&#8217;t find at home or buy exclusive items only available in the country you&#8217;re visiting. </p>



<p>Although you may be boundless fun, it&#8217;s important not to get too carried away. Always be mindful of your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/transactions/page/1">transactions</a> when you use <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/atome-card/page/1">Atome Card</a> internationally just as you would locally. This practice helps you avoid spending more than you budgeted or, worse, finding expenses you didn&#8217;t make.</p>



<h3 class="wp-block-heading">4. <strong>Avoid using public Wi-Fi</strong></h3>



<ol class="wp-block-list" start="4">
<li></li>
</ol>



<p>Making online payments is popular around the world, but that doesn&#8217;t mean it&#8217;ll be safe globally. Scammers can hack into devices connected to a similar network as they are, and steal personal information to commit crimes. It&#8217;s common for scammers to rename their wireless network into one that sounds legitimate. </p>



<p>Here are a few ways you can spot international Wi-Fi networks you shouldn&#8217;t trust:</p>



<ul class="wp-block-list">
<li>It doesn&#8217;t require a password</li>



<li>It has a misspelling</li>



<li>You aren&#8217;t sure where the network is even coming from</li>
</ul>



<p>Stay away from these types of wireless internet connections to keep your sensitive personal details safe and out of the hands of international scammers. Consider safer alternatives to connect to the internet, such as carrying a mobile hotspot device or using a travel SIM card that allows for data connection.</p>



<h3 class="wp-block-heading">5. <strong>Setup your Atome Card account properly</strong></h3>



<ol class="wp-block-list" start="5">
<li></li>
</ol>



<p>After you <a href="https://www.atome.ph/blog/atome-card-application?p=10">apply for your Atome Card</a> and receive your approved application, you&#8217;ll need to go through the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card setup process. </p>



<p>One crucial step you should be mindful of accomplishing is nominating your PIN. This will provide a layer of security on your card so that only you can confirm transactions that appear on your account when you use Atome Card internationally. </p>



<p>It also helps to configure your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/get-the-app">Atome app</a> to send a push notification to your smartphone whenever a transaction occurs. Finally, keep your app updated to ensure you have the latest security patches to keep you safe wherever you&#8217;re transacting with your Atome Card.</p>



<h2 class="wp-block-heading"><strong>Enjoy Worry-Free Travels Thanks to Atome Card</strong></h2>



<p>Traveling is meant to be a relaxing and exciting time to experience new cultures and see breathtaking sites. An effective way of keeping your trip stress-free is by using your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card wisely. </p>



<p>This helps you avoid potential scams and fraud. That way, you can focus on spending it on making memories, such as discovering new flavors, visiting gorgeous tourist spots, and <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">shopping</a> for attractive souvenirs for your friends and family back home.</p>



<p>If you still don&#8217;t have your Atome Card, now is the perfect time to apply before you go on your next vacation. Scan the QR code below or visit the App Store or Play Store to begin your download now!</p>
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atome

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