Singapore ranks among the highest in Asia for per-capita income and e-commerce order values, but there is still steady BNPL demand among younger consumers whose card issuance is limited by income, and among shoppers who prefer to spread out their spending. Atome is a BNPL service affiliated with the Singapore-headquartered Advance Intelligence Group, offering 3 interest-free installments, and it has established itself as a way to increase basket size in fashion, beauty, and lifestyle commerce. Its standing as a leading local provider operating under the Singapore fintech industry's BNPL code of conduct is also a factor in building trust.

For Korean D2C brands aiming to increase average order value, particularly those selling fashion, beauty, and small appliances in the SGD 100–500 price range to Singapore consumers, adopting Atome can improve both average order value and payment completion rate at the same time. Since the risk of collecting installments sits with Atome while the merchant receives the full amount at once, it can be used as a promotional tool without exposure to non-payment risk.

When a consumer selects Atome at checkout and completes identity verification via app or web, the order is approved along with the first installment charge, and Atome collects the remaining installments from the consumer. The merchant's share of the proceeds is denominated in SGD, which Hecto Financial receives locally and, after conversion, settles with the Korean merchant in the contracted currency — USD, KRW, or JPY. The consumer's installment repayment and the merchant's settlement are handled separately.

Korean merchants can consider accepting BNPL payments through Hecto Financial without a direct contract with Atome. Because BNPL approval policies can vary by product category and price point, please confirm the settlement cycle, fees, and currency options with the sales team before signing a contract.

• Business registration country

  Confirm eligibility for a contract as a Korea-based merchant

• Sales channel

  The integration method differs depending on whether you are online-only or also operate offline stores in Singapore

• Product categories

  Advance confirmation is needed on whether your categories fall under merchant policy restrictions from the Atome operator

• Local regulatory compliance

  Confirmation is needed on compliance with Singapore's payment and foreign exchange regulations (see official sources below)

The portion of an Atome transaction attributed to the merchant is tallied in SGD, which Hecto Financial receives and, after conversion, pays out to the Korean merchant in whichever of USD, KRW, or JPY was determined in the contract. Regardless of the consumer's remaining installments, merchant settlement follows the contracted cycle, and the fee rate likewise follows the contract terms. Refunds involve adjusting the consumer's installment schedule, so processing may take longer than a standard card refund — advance confirmation is recommended.

• Monetary Authority of Singapore (MAS)Official information on Singapore's payment systems and related regulations. If this page's content differs from the actual regulations, the official source takes precedence.