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Joomdecor is now partnering with myIOU to give you the breathing space to buy now, pay later. Easily split your purchases into seven installments with no interest at all. Just pay 30% of the total price, and we will deliver your item immediately!


6 Monthly Easy Payments

Pay for your purchase in seven zero-interest installments (due every month).

Link with either debit or credit card to use.

No Interest, No Catch

Always zero interest, NO additional fees when you pay on time.

Just pay a 30% deposit and receive the items first!

Available online, just select IOUpay during checkout.
(available in-store only)


More info click here


1.  Download
Download the IOUpay app and complete the registration process.


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2.  Make payment
IOUpay automatically splits your bill into 3 equal payments. You'll pay the first payment at the point of purchase. The next two payments will be spread 30 days apart. No interest or hidden charges ever.


3.  Check bills
Check the status of your payment schedule under “Bills” in our app. You’ll also be informed when your payment cycle is complete.That’s it!










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Q: What is myIOU?
A: myIOU allows you to split up your purchase into seven monthly interest-free installment payments.
In addition, you have the option to pay for your purchase with a credit, prepaid, or debit card in 6 monthly payments.



Q: How does myIOU work?
A: When using myIOU in 6 installments, the first payment, 30% deposit, is charged when we confirm your order,
 and the next 70% payment is automatically charged every month over six months.

Q: I’m a first-time myIOU user. Any requirements?
A: be a Malaysian Citizen
be at least 18 years old;
have an e-mail address;
have a Malaysia mobile number;
have a Malaysia address; and
have a valid credit card or debit card issued in Malaysia

Q: How to buy with myIOU?
A: Shop online and add items to your shopping cart. At checkout,
choose myIOU as your payment method. First-time customers will need to register with myIOU and provide payment details as usual.

Q: How much am I eligible to spend?
A: To ensure responsible spending practices, each IOUpay purchase is evaluated by our system for approval. This considers many factors, including your prior credit history and how many purchases have been made and successfully paid back using IOUpay.  Meaning, the longer you have been using our IOUpay installments services, and the more orders you have successfully repaid on schedule, the more likely you will be able to spend more.
For first-time users, the maximum shopping limit is RM1,000, but you can request the shopping limit up to RM 10,000

The minimum spend is RM100.

INCREASE your myIOU credit limit up to RM10,000 today!

https://myiou.com/credit-plus/





Q: How to increase my ‘shopping limit’?
A: Users can request a higher shopping limit in-app by providing additional information.

Login to IOUpay App and click on “Get More Limit” to apply for a higher shopping limit.

We might require you to upload the following documents:

ONE – Latest month bank statements in PDF;

ONE – Latest Utility Bills (TNB bills, Water bills, Mobile Phone bills, etc.);

*Please ensure the document(s) you submitted is not password protected.

**Please note that all higher shopping limit application is subject to T&C for approval.





Q: Is there a cost to use myIOU installments?
A: There are no interest charges with myIOU installments and no fees when you follow your automatic payment schedule.
    Only a one-time convenience fee will be charged for your purchase(s).


Q: I can’t handle repayments due to financial difficulties. What can I do?
A: If you get into trouble, please reach out to the IOUpay customer service team, and they’ll be happy to look into the options they have available.
   You can contact customer service at their website www.ioupay.com.


Q: When is my payment due?
A: The first payment will be charged when your order is placed. After that, the remaining payments will be automatically charged monthly.  You can directly access your payment schedule in the IOUpay app.  The payment schedule is also sent via e-mail,
   and a reminder will be sent in advance of each scheduled due date.






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Joomdecor now partnering with Atome to give you the breathing space to buy now, pay later. Easily split your purchases into three installments spread across three months with no interest at all. Just pay 1/3 of the total price, and we will deliver your item immediately!



3 Monthly Easy Payments

Pay for your purchase in three zero-interest installments (due every month).

Link with either debit or credit card to use.

No Interest, No Catch

Always zero interest, NO additional fees when you pay on time.

Just pay a 33% deposit and receive the items first!

Available online, just select Atome during checkout.
(available online and in-store)


More info click here




1.  Download
Download the Atome app and complete the registration process.


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2.  Make payment
Atome automatically splits your bill into 3 equal payments. You'll pay the first payment at the point of purchase.The next two payments will be spread 30 days apart. No interest or hidden charges ever.



3.  Check bills
Check the status of your payment schedule under “Bills” in our app. You’ll also be informed when your payment cycle is complete. That’s it!




Frequently Asked Questions (FAQ)

Q: What are the payment methods for repayment?
A: App repayment. Go to your ATOME APP. Select "Check and Pay" overdue bills. Update your credit or debit card details.
Auto-Deduction. Deposit sufficient funds to the debit/credit card bound to your Atome account for auto deduction.

Q: Am I eligible to use the Atome service?
A: To use the service, you must:

Be at least 18 years of age
Currently reside in Malaysia
Have a mobile phone number registered under your MyKad with your telco
Own a credit or debit card that will be used to pay for your purchases on Atome


Q: How do I pay using Atome?
A: Shop with online and choose Atome as your preferred payment method at checkout. Make your first repayment (one-third of your bill) with your credit or debit card at the time of purchase and the rest over the next two months in two equal interest-free instalments. It’s that easy.

Q: Do customers have to pay any fees for using the Atome service?
A: Atome is a free service: there are no hidden service fees or interest charges if you pay all your scheduled instalments on time.

Q: What happens if I miss a payment?
A: If you missed a scheduled payment, Atome will charge you an administration fee and freeze your account until the outstanding amounts are paid. To reactivate your Atome account, Atome will charge a RM50 fee. If this reactivation fee and instalment is not paid within seven days, an additional RM25 fee will be charged (by Atome). In Malaysia, the maximum administrative fee is capped at RM150 per transaction.

Q: How many purchases can I spend when using Atome?
A: You may have as many purchases as long as you do not exceed the shopping limit given


Q: Is there a limit to how much I can spend with Atome?

A: With Atome, you will be given RM1,500 for debit cards and RM3,000 for credit card installments.


Q: When will my next installment be due?
A: Your monthly installment cycle is on the 30th day from the day of the transaction. So, for example, if you made an Instalments transaction on 15 October, your next bill will be after 30 days on 14 November.


Q: Will I receive notifications of upcoming Instalment payments?
A: Yes, you will receive an e-mail and a push notification one day before a bill deduction for Instalments.



We believe in the freedom to own your aspirations and passions in your own time.

Set up an account almost instantly, and have payments automatically deducted from your linked card.

Easily track and manage your monthly spending all through our mobile app. You’ll never miss a payment again!














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