What happens when I make a late payment?

A late payment charge was applied to your account due to an unsuccessful scheduled payment. Please note that for each overdue payment, a Late Payment Charge of RM 23 will be incurred, and there may be an additional penalty of RM 7 depending on Atome's funding source as assigned by our system. This extra RM 7 is necessary to offset our increasing costs.

To prevent these charges, we highly encourage you to make your payments on time. Our payment structure remains unchanged, and we remain dedicated to providing you with a growing range of financial solutions.

You can easily clear up your outstanding payments by logging into your app. The maximum amount of the late payment charge and additional penalty will depend on the payment plan that you have selected. The late payment charge and/or additional penalty will be imposed for each overdue payment and only applies for each overdue payment, not for every unsuccessful automatic deduction attempt.

For example:

We want to get you back on track as soon as possible. If you have an overdue payment, you will not be able to use Atome services until your account is brought up-to-date.