“Atome Thailand Partners with Agoda to Enhance Travel Experiences with 3 Interest-Free Installments and Exclusive Promotions, Supporting Tourism Growth”

       Atome Thailand, a leading Buy Now, Pay Later (BNPL) platform, has announced a strategic partnership with Agoda, a global digital travel platform, to enhance the accommodation booking experience for Thai consumers. This collaboration enables consumers to better plan and manage their travel expenses through flexible payment options, including the ability to split accommodation payments into three interest-free installments, along with exclusive promotions offering discounts up to  15%. The initiative aligns with evolving consumer behaviors and is available until 30 April 2026

       Thailand’s tourism sector remains a key driver of the country’s economic growth. The Tourism Authority of Thailand continues to promote year-round travel under its “instant happiness upon departure” campaign, encouraging Thais to travel 365 days a year. These trends reflect a shift in consumer behavior toward prioritizing meaningful experiences, alongside more effective financial planning and spending.

       Through this collaboration, Atome Thailand and Agoda have partnered to make travel more accessible by reducing the burden of large upfront payments. This allows Thai consumers to enjoy greater financial flexibility when planning their trips. With the option to split accommodation payments into three interest-free installments, consumers can reduce upfront costs and better manage their travel budgets—whether for domestic trips that support the local economy or for travel to popular international destinations—while maintaining effective control over their expenses.

 

       Atome’s service is designed to be convenient, fast, and secure. Users can download the Atome application via Android or iOS, register by linking a credit or debit card, and complete identity verification to begin using the service. When making transactions on Agoda, users can select Atome as a payment option and receive instant approval. The total payment is split into three equal installments, with the first payment made upfront, followed by two subsequent payments, all at 0% interest with no additional fees, provided payments are made on time.

 

       Furthermore, this partnership enhances accessibility to travel while enabling consumers to better manage their expenses. A key highlight is the ability to expand access to travel services for consumers who may not have access to traditional credit cards, by offering an alternative payment solution with installment options. This supports broader access to financial services and enables more consumers to enjoy travel experiences. Customers can also benefit from exclusive promotions, with a discount up to 15% (capped at 1,000 THB) when choosing to pay with Atome during the campaign period until 30 April 2026

       As part of Atome’s strategy to expand into high-growth lifestyle categories—particularly travel—this collaboration leverages Atome’s strength as leading digital finance provider together with Agoda’s position as a global travel platform. The partnership delivers a seamless end-to-end experience, from trip planning to expense management. Beyond enhancing consumer experiences, it also plays a key role in stimulating domestic spending while supporting outbound travel, increasing travel frequency, and contributing to the overall growth of Thailand’s tourism industry, a key pillar of the country’s long-term economic development.​

*For promotion details, terms and conditions, please refer to the Atome application and participating merchant channels.

Buy Now, Pay Later: Borrow when necessary and within your means. 0%–15% interest rate.

**0% interest for 3 installments applies when full payment is made within the specified due dates.

Credit cards: Use when necessary and pay back full amount on time to avoid 16% interest rate.

***Reference: Bank of Thailand Notification No. 3/2568 on Responsible Lending. Financial service providers are required to ensure that all advertising and communications are accurate, clear, and complete, with transparent disclosure of terms, interest rates, and applicable fees. Communications must not encourage excessive borrowing and should provide sufficient information for consumers to make informed decisions, while promoting responsible financial behavior.