Atome is a “buy now, pay later” mobile app that splits your bill into three equal payments over two months. The mobile app is free to download and free to use for consumers: Atome charges zero interest and zero service fees. After downloading the mobile app and setting up your account, choose Atome as a payment option when you’re on CircleDNA’s website. You pay 1/3 of the total bill on the spot. The second payment will be due 30 days later, and the third, the following month.