They make money by charging their partner merchants transaction fees, rather than customers.
Partner merchants: Samsung, Machines, Switch, Sony, Dyson, and more.
The second type, offered by banks to their cardholders, can usually be used for all purchases.
Kudos to Polar Malaysia for great service and fast delivery.
Customers may also earn up to 10% cashback with every FavePay Later purchase.
You can use Atome for online or in-store shopping.