Atome Pay Later - Custom Checkout | Razorpay Singapore Docs

On the Razorpay Checkout form, you can offer your customers the option to make payments using Atome, a Buy Now, Pay Later (BNPL) provider. Atome allows shoppers to split purchases into 3 interest-free installments. You receive full settlement upfront.

Provider

Payment Flow

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

Prerequisites

The
Razorpay Custom Checkout
should be integrated on your website or app.
Keep the API keys (a combination of Key_Id and Key_Secret) handy for integration.
Generate API Keys
from the Dashboard.
Customers should have an active Atome account.

Integration Steps

Step 1: Create an Order

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.

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": "+6580001500",
    "email": "john@example.com",
    "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
    }
  ]
}'

Step 2: Complete the Payment

After the order is created and customer payment details are received, invoke createPayment with method=paylater and provider=atome.

razorpay.createPayment({
  amount: 50000,
  currency: 'SGD',
  email: 'john@example.com',
  contact: '+6580001500',
  order_id: 'order_DPzFe1Q1dEObDv',
  method: 'paylater',
  provider: 'atome'
});