Allowing customers to pay essential bills—including water, electricity, internet and government contributions—and other essential payments directly within the Atome app.
Last April 21, Atome Philippines announced that it has reached a strategic partnership with Bayad, which is the leading bill payment aggregator in the Philippines.
Through this partnership, Atome customers gain access to Bayad’s extensive network of billers and service providers, streamlining bill payment management and budgeting within a single platform.
The integration also seeks to addresses customers’ real pain point of managing multiple bill payment platforms.
Hence, the consolidation aims to help them do better budgeting and maintain financial health, while also earning Atome rewards points on every utility bill payment.
Lawrence Ferrer, President and CEO of Bayad, emphasized: “Bayad is committed to democratizing bill payment access across the Philippines.”
“Our partnership with Atome represents a significant opportunity to reach millions of Filipinos and make bill payment faster, safer, and more rewarding. This deep collaboration exemplifies how fintech innovation can really drive financial inclusion at scale,” he added.
Meanwhile, Christian Quiros, President and General Manager of Atome Philippines, said: “This partnership is a natural evolution of Atome’s mission to make financial services more accessible and convenient for everyday Filipinos.”
“Bill payments represent a significant portion of household budgets, and now our users can make essential payments alongside their other daily needs such as groceries, food, pharmacy and telco bills without having to switch apps. This partnership with Bayad makes financial inclusion and budgeting real for millions of unbanked and underbanked Filipinos,” he continued.
Bayad is part of the MVP Group of Companies of Manny Pangilinan and has over 120,000 physical touchpoints nationwide.
With over 28 years of experience in the outsourced payment collection industry, it continues to lead through self-service digital platforms and beyond bills payment, it also offers remittances, insurance, medical reimbursement, ATM withdrawals, and loan payouts.
Meanwhile, Atome is among Southeast Asia’s largest digital finance platforms, offering a comprehensive range of services including BNPL (buy now, pay later), cards, savings, insurance, and lending.
The company is part of Singapore-headquartered Advance Intelligence Group, which is backed by top tier investors SoftBank Vision Fund 2, Warburg Pincus, Northstar, and Singapore-based global investor EDBI.
In 2025, Atome Philippines was also awarded the Digital Lending Product of the Year (Atome Card) at the Global Retail Banking Awards 2025 held in Singapore.