Atompay - Pay In Steps

AtomPay is the installment payment option built into AtomShop.pk checkout. Pick any eligible product on AtomShop, choose AtomPay at checkout, and spread the cost over a few months instead of paying it all at once. Your order ships right away. Verify once, shop many times. You submit your identity and income details a single time. Once your limit is approved, it carries across future AtomShop orders, so you are not asked to repeat verification on every purchase. WHAT YOU CAN DO • Check your approved purchase limit and how much of it is still available • Apply for a limit, and request a review later if your income changes • See your next installment, the amount due and the date • Open any plan to view its full schedule, what you have paid and what is left • Work out the cost of a purchase before you commit, with the plan calculator • Estimate the limit you might get, before creating an account HOW IT WORKS 1. Shop on AtomShop.pk and pick any product marked eligible for installments. 2. Choose AtomPay at checkout instead of paying the full amount. 3. Get a quick approval. We confirm your details and set your monthly plan. 4. Pay monthly and keep the product. Your order ships right away. WHAT IT COSTS, IN PLAIN TERMS You pay a down payment of at least 20% of the price, and the rest over a term you choose, from 3 to 12 months. A service charge of 4% per month applies to the financed amount at AtomShop's current service rate. A worked example, at that rate: Price PKR 105,000. Down payment 20% = PKR 21,000. Financed = PKR 84,000. Over 6 months, the service charge is PKR 20,160, the total payable is PKR 125,160, and the monthly installment is PKR 17,360. Every figure is shown in the app before you confirm anything. The calculator gives you the down payment, the financed amount, the service charge and the total, so you can compare terms and pick the one that suits your budget. Final pricing depends on the product and on approval, and is confirmed at AtomShop checkout. WHAT YOU NEED • To be 18 or over • A Pakistani CNIC and mobile number • An AtomShop.pk account. AtomPay uses the same sign-in, so there is no second account to create. AtomPay is available in Pakistan only. WHAT ATOMPAY DOES NOT DO AtomPay does not lend cash. It finances goods you buy from AtomShop.pk, and the money goes to the order, never to a personal wallet or bank account. No payments are taken inside the app; repayments are made through AtomShop's existing channels. There are no ads and no in-app purchases. YOUR PRIVACY AND YOUR ACCOUNT Identity documents are handled for verification and fraud prevention, and the screens that show them are protected against screenshots and the app switcher. Your session is kept in device-only secure storage and is not included in device backups or transfers. All traffic uses HTTPS. You can delete your account at any time from Account, Delete account, once nothing is outstanding. You can also do it on the web at https://atompay.shop/delete-account . Privacy policy: https://atompay.shop/privacy Paying with AtomPay does not change what you receive: same item, same seller, same warranty as paying cash.