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MoMo

MoMo

Vietnamese Mobile Payments

VS

Atome

Retail and e-commerce merchants in Southeast Asia

Atome
Fees from
1%-3% for merchants vs Custom
Features

0 shared

1 unique to MoMo · 2 unique to Atome
Regions

1 shared

1 unique to Atome
Pay methods

0 shared

5 unique to MoMo · 2 unique to Atome
On region

Atome covers 2 regions; MoMo covers 1. Verify directly with each provider before signing.

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Show full specs
3 features · 7 payment methods · 2 regions. We don't rank these — they're here for reference.
MoMo MoMo
Atome Atome
Quick Facts
Fees
Standard transaction rate
1%-3% for merchants
Custom
Settlement
Time to receive funds
1–2 business days
—
Founded
2007
2019
Headquarters
Ho Chi Minh City, Vietnam
Singapore
Sandbox / Test Mode
✓
—
Webhook Support
✓
—
Features
Atome leads (2 vs 1)
Instant Payout Unique
✓
—
Low Fees Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
MoMo leads (5 vs 2)
Bank Transfer Unique
✓
—
Bnpl Unique
—
✓
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Digital Wallet Unique
✓
—
Installments Unique
—
✓
Qr Code Unique
✓
—
Regions
Atome leads (2 vs 1)
Asia Unique
—
✓
Southeast Asia
✓
✓

MoMo is best when you...

Vietnamese Mobile Payments
Need Instant Payout
Not available with Atome
View MoMo

Atome is best when you...

Retail and e-commerce merchants in Southeast Asia
Need Low Fees
Not available with MoMo
Need Startup Friendly
Not available with MoMo
Want coverage in Asia
MoMo doesn't cover this region
View Atome

Frequently Asked Questions

What is the difference between MoMo and Atome?
They share 0 payment methods and 1 region. MoMo adds Bank Transfer, Credit Card, Debit Card and 2 more that Atome does not list; Atome adds Buy Now Pay Later, Installments that MoMo does not list; Atome also covers Asia; only MoMo offers Instant Payout.
Which is cheaper, MoMo or Atome?
MoMo has published rates from 1%-3% for merchants; Atome has custom pricing quoted on engagement. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use MoMo and Atome?
MoMo lists 1 region and 5 payment methods; Atome lists 2 and 2. both cover Southeast Asia. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do MoMo and Atome compare on integration and settlement?
MoMo offers a sandbox, Atome does not list one; MoMo supports webhooks; MoMo publishes a settlement time of 1–2 business days.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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