Buy Now, Pay Later logo
Buy Now, Pay Later

Flexible payment options to boost your business

Customers can say yes with no stress with easy-to-pay installments through top Buy Now, Pay Later providers

Already have an account? Message Support to activate BNPL

Business Owner Holding Tablet with Interface of Buy Now, Pay Later of Atome and BillEase
Atome Logo
BillEase Logo

Why integrate Buy Now, Pay Later via PayMongo?

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Sell More

Empower customer shopping. Grow your sales by as much as 50%.

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Don't Wait to Get Paid

No need to wait for installment payments from your customers; merchants get paid in full upon purchase.

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Reach New Customers

Unlock a new customer base by offering easy-to-pay installments.

How it works

STEP 1
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Customer selects Atome as payment method

Your customers can choose to pay via Atome on your website or through your PayMongo Link/Page.

STEP 2
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Customer chooses an installment option

Your customers will be redirected to the Atome app/website where they can sign in and choose among the available payment options. First-time users can register with Atome in just 5 minutes!

STEP 3
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Customer confirms payment

After reviewing the payment details, your customer confirms and selects the card that will be used for payment.

STEP 4
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Purchase Successful!

Your customer will be charged their first installment payment, while the full payment amount will be credited to your PayMongo account.

Pricing

You'll see successful payments in real-time on your PayMongo Dashboard
6%
STEP 1
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Customer selects BillEase as payment method

Your customers can choose to pay via BillEase on your website or through your PayMongo Link/Page.

STEP 2
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Customer chooses an installment option

After account sign-in, BillEase users can choose their payment terms, down payment amount, and repayment frequency. First-time users can register directly with BillEase in just 5 minutes!

STEP 3
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Customer reviews transaction details

Once your customer is satisfied with the terms, they can settle the down payment to confirm the purchase.

STEP 4
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Purchase Successful!

Once a purchase is successful, the full payment amount will be credited to your PayMongo account.

Pricing

You'll see successful payments in real-time on your PayMongo Dashboard
See other BillEase installment options
1.5%
(Standard Package)

Use Cases

More businesses are using Buy Now, Pay Later to provide flexible payments for their customers. These are just some of the industries that can use Buy Now, Pay Later via Atome and BillEase:

Electronics
Electronics
Beauty
Health & Beauty
Education
Education
Fashion
Fashion
Appliances
Appliances
Furniture
Furniture
Grocery
Groceries
Food & Beverage
Food & Beverage
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Service provider

Do you provide professional services, utilities or lease real-estate? A PayMongo Page is the easiest way for your client, customer or lessor to pay you for a job well done.

Ideal for businesses like:

Medical
Consulting
Education
Real-estate
Rentals
Utilities
Service Provider

Brick & mortar

Doing business in a restaurant, retail store, clinic or any physical location? Setup a PayMongo Page + In-store QR to accept payments from your customers. Without a POS device!

Ideal for businesses like:

Restaurants
Retail stores
Clinics
Schools
Offices

Frequently Asked Questions

How can I start accepting Buy Now Pay Later payments?

Don't have a PayMongo account? Sign up here.

For existing PayMongo merchants, message support@paymongo.com and request to activate your account on Atome and/or BillEase. Activation time will differ depending on the BNPL partner.

Newly activated PayMongo merchants are automatically activated on our BillEase Standard Package.

What installment plans are available for Buy Now, Pay Later?

Here are the installment options offered by each of our Buy Now, Pay Later partners:

- Atome
splits your customer's card bill into 3 equal payments. The first payment will be paid upon the point of purchase. The next two payments will be spread 30 days apart.

- BillEase offers several flexible payment options that can be repaid through bank transfer, e-wallet, or OTC. Visit this page to view the available installment options.

In addition to our BNPL options, we also offer 0% interest credit card installments with 3, 6, and 12-month terms! Learn more.

If my customer selects Atome or BillEase on checkout,
will I also be paid in installments?

You get paid in full after every successful purchase. No need to wait for your customer to settle their installment payments.

What are the transaction rates for Buy Now Pay Later?

-Atome: 6%
-BillEase (Standard Package): 1.5%