Atome Pay lets KeyPlus customers split an eligible car insurance payment into three monthly instalments at 0% interest. You pay the first instalment at checkout, then two more are charged automatically over the following two months, with no interest or hidden fees from Atome as long as every payment is made on time.
This guide walks through registering for Atome, paying for your car insurance renewal on KeyPlus, how repayments work, what it costs if a payment is missed, and how Atome is regulated in Malaysia in 2026.
What Is Atome Pay?
Atome is a Malaysia-operating buy now, pay later (BNPL) service that lets shoppers split a purchase into three equal instalments instead of paying the full amount upfront. On the standard “Pay in 3” plan, the first instalment is charged immediately at checkout, and the remaining two are auto-deducted from your linked card roughly a month apart, at 0% interest.
On KeyPlus, Atome Pay is offered as one of the checkout payment methods for eligible car insurance and road tax renewals, giving drivers a way to spread out a premium without applying for a personal loan or a bank instalment plan.
Who Can Use Atome Pay on KeyPlus?
To pay with Atome, you generally need to meet the following eligibility requirements. These are Atome’s standard account requirements and may be updated by Atome at any time, so confirm current terms in the Atome app before relying on them.
Atome Pay eligibility checklist:
- At least 18 years old
- Currently residing in Malaysia
- A Malaysian mobile number registered under your own MyKad with your telco
- A valid credit or debit card to link to your Atome account
- An active, verified Atome account before checkout — Atome Pay cannot be selected at KeyPlus checkout without one
Atome also applies a minimum transaction amount to qualify for instalment payment, commonly around RM25 after any discounts or promo codes are applied. Most car insurance premiums are well above this threshold, but the exact figure shown at KeyPlus checkout should always be treated as the current one.
How to Register for Atome?
If you don’t already have an Atome account, set one up before you start your KeyPlus checkout. Registration takes a few minutes and is done entirely inside the Atome app.
| Step | What to Do |
| Step 1 | Download the ATOME app from the App Store or Google Play, then register using your Malaysian phone number. |
| Step 2 | Tap “Verify now” and confirm the one-time password (OTP) sent to your phone. |
| Step 3 | Enter your credit or debit card details as your linked payment method. |
| Step 4 | Enter your basic personal details & upload a photo of your ID to complete verification. |
Fig. 1 — The four-step Atome account registration flow: download and register, verify OTP, add card details, then complete ID verification.
How to Pay via Atome Pay on KeyPlus
Once your Atome account is verified, paying for your car insurance renewal on KeyPlus follows the same checkout flow as any other payment method, with Atome selected as the provider.
Eligibility note: To be eligible to pay via Atome, you MUST already have an Atome account. Registering at the checkout step is not supported.
| Step | What to Do |
| Step 1 | At the KeyPlus checkout page, select PayLater as your payment method, then tap “Pay Now.” |
| Step 2 | Choose “Pay Later” and select Atome Pay from the list of available providers. |
| Step 3 | You’ll be redirected to Atome’s secure payment gateway. Tap “Pay using app” to continue in the Atome app, or complete payment in your browser. |
| Step 4 | Review and confirm your instalment schedule. Atome splits your total bill into 3 monthly payments, with no interest or hidden fees on the standard plan. |
Fig. 2 — The four-step Atome Pay checkout flow on KeyPlus: select PayLater, choose Atome, confirm in-app, and review the 3-month instalment schedule.
How Atome Repayments Work?
After your first instalment is charged at checkout, the remaining two instalments are collected in one of two ways:
- Auto-deduction — Atome automatically charges the card linked to your account on each due date, provided sufficient funds are available.
- App repayment — if a payment is overdue, you can open the Atome app, go to “Check and Pay” under overdue bills, and settle it manually or update your card details.
Atome Fees and Late Payment Charges
The standard 3-month Pay in 3 plan is interest-free when every instalment is paid on schedule. Costs only apply if a payment is missed or if you choose a longer instalment plan where offered.
| Item | Cost | Notes |
| 3-month Pay in 3 plan | 0% interest | Applies when all three instalments are paid on time |
| Late payment charge | Up to RM23 per overdue instalment | Charged when a scheduled payment is missed |
| Additional penalty | Up to approximately RM7 | May apply depending on the funding source Atome assigns to the payment |
| Account status if unpaid | Suspended | Suspended accounts cannot be used for new purchases until the outstanding balance is cleare |
Fee amounts are based on Atome’s publicly stated terms at the time of writing and may change.
Always check the current fee schedule inside the Atome app before completing payment.
Is Atome Pay Regulated in Malaysia?
Yes. Buy now pay later services in Malaysia, including Atome, now operate under the Consumer Credit Act 2025, which came into force on 1 March 2026. The Act established a dedicated regulator, the Consumer Credit Commission — known in Malay as Suruhanjaya Kredit Pengguna (SKP) — which began licensing BNPL providers from 1 June 2026. Before this, BNPL providers such as Atome, Shopee, and Grab operated under an interim oversight task force involving Bank Negara Malaysia (BNM), the Ministry of Finance, and the Securities Commission, without a dedicated statutory regulator.
For drivers, this means BNPL used for essential purchases like car insurance now sits inside a licensed credit framework rather than an unregulated grey area, though the practical protections are still being phased in through 2026.
Common Mistakes to Avoid
- Trying to select Atome without an account. Atome Pay only appears as a usable option at checkout if you already have a verified account. You must register it first.
- Assuming every policy qualifies. Atome Pay availability depends on the specific insurer and product listed on KeyPlus, so always confirm it’s shown at checkout for your quote.
- Missing the second or third instalment. A missed payment triggers a late fee and can suspend your Atome account, which may affect future renewals paid the same way.
- Not updating card details before the due date. Auto-deduction fails if your linked card has expired or has insufficient funds, so keep your Atome payment method current.
Eligibility note:
Ready to renew? Get an instant car insurance quote on KeyPlus and see whether Atome Pay’s 3-month 0% instalment is available for your policy at checkout.
FAQs About Atome Pay
Q1: How do I pay for car insurance using Atome on KeyPlus?
At checkout on KeyPlus, select PayLater as your payment method, choose Atome as your provider, and confirm payment through the Atome gateway. Atome then splits your total premium into three monthly instalments. You must already have a registered Atome account to complete this step.
Q2: Do I need an Atome account before I can pay with Atome Pay?
Yes. You must register and verify an Atome account before you can select it as a payment method at checkout. Registration takes a few minutes & requires a Malaysian phone number, a valid ID, and a credit or debit card.
Q3: Is Atome Pay free to use for car insurance instalments?
The standard 3-month Pay in 3 plan carries 0% interest and no hidden fees if every instalment is paid on schedule. Atome only charges a late payment fee, currently up to RM23 per overdue instalment, plus a possible additional penalty, if a payment is missed.
Q4: Can I use Atome Pay for any car insurance policy on KeyPlus?
Availability depends on the insurer and policy type listed on KeyPlus at the time of purchase, since not every product is enrolled with every payment partner. Check the payment options shown at checkout for your specific quote, or confirm directly with KeyPlus customer support before renewing.
Q5: Is there a minimum amount to pay with Atome?
Atome typically sets a minimum transaction amount, commonly around RM25, though this can vary by merchant and promotion. Most car insurance premiums comfortably clear this threshold, but you should confirm the exact figure shown at KeyPlus checkout.
Key Takeaways
- Atome Pay splits an eligible KeyPlus car insurance premium into 3 monthly instalments at 0% interest, provided every payment is made on time.
- You must register and verify an Atome account before Atome Pay appears as a checkout option — it cannot be set up at checkout itself.
- Missed instalments trigger a late fee of up to RM23 and can suspend your Atome account until the balance is cleared.
- BNPL providers, including Atome, are now licensed under Malaysia’s Consumer Credit Act 2025 and the Consumer Credit Commission (SKP).
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