Updated on: 18 June, 2025
Atome Card payment is meant to be smooth and easy. That’s because the Atome Card is a PayLater card powered by Mastercard® that provides the benefits of traditional payment cards—but with features tailored for you, the modern Filipino shopper.
Here, we’ll talk about the Atome Card payment process for smoother transactions.
Getting Started with Atome Card
You can’t begin to manage Atome Card payments without first having a card of your own.
Applying for your Atome Card
The application process for the Atome Card takes 90 seconds; you can easily complete it at home. All you’ll need is the Atome app on your phone.
Apply for the Atome Card through Atome’s mobile app, submit the necessary financial details, and upon approval, request a physical card to maximize the power of the card.
Setting up your Atome Card
The virtual card requires little to no setup. You can easily see its number, name, and CVV on the Atome app.
The physical Atome Card is another story. It requires you to nominate a 4-digit PIN, which you’ll use in physical stores. This integration also allows you to monitor your secure transactions anywhere you choose to pay with your Atome Card.
How to Use Your Atome Card in Physical Stores
- Present your Atome Card at the checkout counter.
- Use the tap-to-pay feature on POS terminals for a faster checkout process.
- If tap-to-pay isn’t available, insert your card. Then, choose “Savings” and enter your 4-digit PIN.
How to Use Your Atome Card for Online Shopping
- On the payment page, select the card payment option. You can also try spotting the Mastercard logo.
- Enter your Atome Card details: card number, expiry date, and CVV.
- For added security, you can expect to receive a One-Time Password (OTP) on your registered mobile number. Enter this OTP to complete the transaction.
Tips to Manage Atome Card Payments
Monitor for real-time notifications
The Atome app instantly notifies you after every transaction made with your Atome Card, and you’ll also receive email alerts to keep you updated on your spending.
Check your monthly billing statements
Monthly statements will detail all your transactions. You can settle your Atome Card bill through various payment methods like InstaPay, card, or even at designated payment centers.
Consider Atome Card installment options
One of the standout features might be the ability to convert your bills into installment plans directly via the Atome app, giving you financial flexibility. You can choose to split your Atome Card bill into 3-month or 6-month installments. That way, it makes it easier to manage your budget.
3 Benefits of Using Atome Card for Payments
1. Seamless integration
The synergy between the Atome Card and the Atome app ensures that you have complete control over your finances at your fingertips.
2. Wide acceptance
As a Mastercard®, numerous merchants in the Philippines—and even worldwide!—can accept your Atome Card as a mode of payment.
3. Control over your finances
Whether you want to pay later at 0% interest for up to 40 days or split your bill into more manageable installments, the Atome Card gives you power over your money. Now you can manage your budget more effectively.
Make Payments a Breeze with Atome Card
The Atome Card isn’t just any ordinary card. It allows you to modernize the way you approach payments in your daily life. Through its innovative fintech solutions, Atome Card helps you build your habit of using digital payment methods.
Using the Atome Card responsibly by tracking your expenses and paying off outstanding balances promptly ensures a smoother experience.
Download the app to get started with your Atome Card journey today!
Apply For Atome Card!
