Atome Pay Later - S2S Integration

Available in🇸🇬 Singapore

Secure Server-to-Server (S2S) integration that enables seamless processing of Atome Buy Now, Pay Later (BNPL) payments in Singapore. Atome splits the purchase into 3 interest-free installments for the customer while you receive full settlement upfront.

Prerequisites

Sign up for a Razorpay account.
Generate API Keys.
Follow the Razorpay S2S Integration documentation.

Integrate Atome on S2S

Create an order and pass method=paylater and provider=atome in the payment object.

Watch Out!Passing real product details (line_items) and customer_details.shipping_address in the Orders API request is strongly recommended for Atome transactions in Singapore. If these are not provided, fallback values will be used. This may negatively impact payment approval (success) rates and could risk account suspension by Atome.

Create an Order and a Payment

Use the consolidated order and payment API to create a single API call that combines order and payment creation.

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": "+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
    }
  ],
  "payment": {
    "contact": "+6580001500",
    "email": "john@example.com",
    "method": "paylater",
    "provider": "atome"
  }
}'

Success

{
  "amount": 50000,
  "amount_due": 50000,
  "amount_paid": 0,
  "attempts": 1,
  "created_at": 1706507580,
  "currency": "SGD",
  "entity": "order",
  "id": "order_NUJs9C1Luflzts",
  "receipt": "receipt#1111",
  "status": "attempted",
  "payment_workflow": {
    "razorpay_payment_id": "pay_O0NSBQgY0BbC4b",
    "next": [
      {
        "action": "redirect",
        "url": "https://api.razorpay.com/v1/payments/pay_O0NSBQgY0BbC4b/authenticate"
      }
    ]
  }
}

Handle the Redirect

After successful order and payment creation, redirect the customer to the url returned in payment_workflow.next. The customer will be taken to the Atome authentication page to log in and approve the installment plan, then redirected back to your return URL.

Request Parameters

integer

required

Payment amount in the smallest currency sub-unit. For SGD 500.00, pass 50000.

string

required

Must be SGD for Singapore Atome transactions.

string

Your receipt id for this order. Maximum length 40 characters.

json object

required

Customer details.

Show properties

string

required

The customer’s name.

string

required

Customer’s phone number in E.164 format (e.g. +6580001500).

string

required

Customer’s email address.

json object

optional (strongly recommended) Shipping address for the order. Strongly recommended for Atome success rates. If not provided, a default address is sent to Airwallex, which may reduce approval rates.

Show properties

string

Street address line 1. Concatenated with line2 and sent to Atome.

string

Street address line 2.

string

City name.

string

ISO 3-letter country code. Use SGP for Singapore.

string

State or province.

string

Postal code.

array

optional (strongly recommended) Product line items in the cart. Strongly recommended for Atome success rates. If not provided, a single generic item is sent to Atome, which may reduce approval rates.

Show properties

string

mandatory per item Product name.

integer

mandatory per item Number of units.

integer

mandatory per item Unit price in the smallest currency sub-unit (e.g. cents). For SGD 500.00, pass 50000.

json object

required

Payment details.

Show properties

string

required

Customer’s phone number in E.164 format.

string

required

Customer’s email address.

string

required

Must be paylater.

string

required

Must be atome.

Response Parameters

string

Unique identifier of the order.

integer

The transaction amount in smallest currency sub-unit.

string

The currency of the transaction. Here, SGD.

string

Order status. Will be attempted after the payment is initiated.

string

Unique identifier of the payment.

string

Next action to complete the payment. Will be redirect.

string

URL to redirect the customer to the Atome authentication page.

Constraints and Limitations

Maximum transaction amount: SGD 3,000 (Atome-imposed limit).
Only SGD is supported for Atome transactions in Singapore.
Customer phone number should be in E.164 format (e.g. +6580001500).
Refunds follow the standard Razorpay refunds process.

​Prerequisites

​Integrate Atome on S2S

​Create an Order and a Payment

​Handle the Redirect

​Constraints and Limitations

Prerequisites

Integrate Atome on S2S

Create an Order and a Payment

Handle the Redirect

Constraints and Limitations