Choose Atome as your payment method at checkout page. Make your first repayment (one-third of your bill) with your credit or debit card at the time of purchase and the rest over the next two months in two equal interest-free installments.

There are no hidden service fees or interest charges if you pay all your scheduled installments on time.

It depends on SHEIN’s return and refund policy. As long as SHEIN agrees to the refund, Atome'll immediately process your refund.

If you receive a full refund, any unpaid installments will be cancelled, and the amount already charged will be refunded. With a partial refund, refund amounts are taken off your next scheduled instalment first. Any excess balance will be refunded to your debit or credit card.

Your Atome account will be updated to reflect the full or partial refund under the "Bills" tab.

Under normal circumstances, no, but if you are facing technical difficulties or other problems that prevent you from paying on time, though, please get in touch with Atome as soon as possible so Atome can provide you with the support that you need.

If you missed a scheduled payment, Atome will charge you an administration fee and freeze your account until the outstanding amounts are paid. To reactivate your account, Atome will charge a RM50 fee. If this reactivation fee and instalment is not paid within seven days, an additional RM25 fee will be charged. In Malaysia, the maximum administrative fee is capped at RM150 per transaction.

App repayment: Go to your ATOME APP. Select "Check and Pay" overdue bills. Update your credit or debit card details.

Auto-Deduction: Deposit sufficient funds to the debit/credit card bound to your Atome account for auto deduction.

You can contact the Atome's customer service to confirm the failed reason and try again later.

The minimum bill amount customers can pay using Atome is 25 MYR.

For full terms and conditions please visit Atome's FAQ link:

For Atome's customer service you can contact: