Which BNPL providers operate in Singapore?
Atome leads, alongside ShopBack PayLater, Shopee’s SPayLater, GrabPay PayLater and bank card installment plans. Grab agreed in September 2026 to buy 60% of Atome Financial for US$1.49 billion, with completion expected by the third quarter of 2027.
In detail
Atome leads, alongside ShopBack PayLater, Shopee’s SPayLater, GrabPay PayLater and bank card installment plans. Grab agreed in September 2026 to buy 60% of Atome Financial for US$1.49 billion, with completion expected by the third quarter of 2027.
Atome, the market leader
Buy now, pay later is a niche but established checkout option in Singapore. A 2026 IDC study for 2C2P estimates BNPL at about 5% of e-commerce transactions, and 29% of enterprise merchants surveyed offer it. The market leader is Atome, a Singapore-based lender that grew 2025 revenue by 80% to US$470 million and gross merchandise volume by more than 60% to over US$4 billion across Southeast Asia.
Payment by installment and BNPL in Singapore
The market is consolidating around super apps. Shopee runs its own SPayLater, ShopBack absorbed hoolah into ShopBack PayLater in 2022, and Grab offers PayLater inside the Grab app. Bank card installment plans on DBS, OCBC, UOB and Amex cards remain the main alternative for large tickets. Gateways such as HitPay bundle Atome, ShopBack PayLater and SPayLater in one integration.
More detail in our #PayWorldTour guide Payment methods in Singapore.