Pay Later

Offer Pay Later (Buy Now, Pay Later) payment method at Razorpay Checkout. Check providers and payment flow.

Available in🇮🇳 India🇸🇬 Singapore

Accept payments from your customers in Singapore using Atome, a leading Buy Now, Pay Later (BNPL) provider across Southeast Asia. Atome allows shoppers to split purchases into 3 interest-free installments while you receive full settlement upfront.

Handy Tips

• Atome in Singapore is processed via Airwallex as the payment aggregator.
• Passing product details (line_items) and a shipping address in your Orders API request is strongly recommended for optimal success rates.
• Maximum transaction limit: SGD 3,000.

How it Works

Based on the concept Buy Now, Pay Later:

1. The customers get a running line of credit by registering with any providers.
2. When customers buy goods or services on your website or apps, no money is debited from their accounts.
3. You receive the payments from their providers.
4. The customer pays back to the provider as per the fixed schedule defined by the provider.

At Razorpay Checkout:

1. At the Checkout, customers enter their contact details and select Pay Later as the payment method.
2. Customers select Atome from the list of providers.
3. Customers are redirected to the Atome authentication page, where they log in to their Atome account and approve the 3-installment plan.
4. Customers are redirected back to the business’s website after successful authentication.
5. Payment is confirmed via a webhook notification from Razorpay.

Supported Pay Later Providers

Provider name	Provider Code
Atome	atome

Supported Region and Currency

Region	Currency
Singapore	SGD

Transaction Limits

Minimum Transaction Amount	Maximum Transaction Amount
SGD 0.01	SGD 3,000

Create an Order

No additional client-side integration is required to display Atome on your Standard Checkout. Before opening the Checkout, create an order using the Orders API. For Atome in Singapore, pass line_items (product details) and customer_details.shipping_address in the order payload for optimal success rates.

Watch Out!

Passing real product details (line_items) and a shipping address is strongly recommended for Atome transactions in Singapore. If line_items are not provided, a generic item will be used as a fallback. If a shipping address is not provided, a default address will be sent. Both fallbacks may reduce approval rates.

Sample Request

curl -X POST https://api.razorpay.com/v1/orders \
-U [YOUR_KEY_ID]:[YOUR_KEY_SECRET] \
-H 'content-type:application/json' \
-d '{
  "amount": 50000,
  "currency": "SGD",
  "receipt": "receipt#1111",
  "customer_details": {
    "name": "John Doe",
    "contact": "[phone]",
    "email": "[e-mail]",
    "shipping_address": {
      "line1": "16 Sandilands Road",
      "line2": "#05-01",
      "city": "Singapore",
      "country": "SGP",
      "state": "Singapore",
      "zipcode": "546080"
    }
  },
  "line_items": [
    {
      "name": "iPhone 15 Pro",
      "quantity": 1,
      "price": 50000
    }
  ]
}'