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What Is AtPay (ATPAY)? Complete Guide & Review About AtPay

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What Is AtPay (ATPAY)?

AtPay aims to become a first of its kind platform for BNPL solutions, combining three emerging markets; Buy Now Pay Later (BNPL), Crypto and Traditional Currency, and Blockchain and Smart Contracts. @Pay aims to be a key participant in offering decentralised finance (DeFi) eCommerce and in-store solutions to shoppers & merchants.

@Pay will also allow users to pay for their shopping with any traditional currency (fiat) or approved cryptocurrency they hold in their wallets. Shoppers and merchants will be rewarded with tokens for all transactions and repayments. This places @Pay in the unique position to become the premier BNPL solution for gaming platforms, esports, NFT marketplaces, Web 3 businesses whilst also targeting traditional BNPL merchants.

Further, AtPay Coin has developed its own APIs allowing @Pay to be easily integrated into merchant payment gateways giving it access to thousands and thousands of merchants around the World.

Important Points Table Of AtPay

Coin NameAtPay
Short NameATPAY
Total Supply100,000,000
ExplorerClick Here To View
DocumentationView Document
WebsiteClick Here To Visit

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First Step

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Second Step

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The Future of Payments

@Pay is a DEFI (Decentralized Finance) protocol that is the first BNPL (Buy Now Pay Later) platform built integrating blockchain technology with its own cryptocurrency.

Shop Online & Instore

Once approved, users can shop with growing network of approved brands and merchants worldwide.

Repay in Four

Using BNPL solution, users are able to repay transactions in four equal installments over three months.

Earn Crypto Rewards

For every successfully repaid transaction, users earn @Pay Tokens as a reward and unlock new shopping limits.

Shop today, pay your way.

Repayments can be made with direct debit and debit cards connected to their account. Users can also repay with approved cryptocurrencies and stable coins (FIAT).

Shop & Earn Rewards

Users are rewarded for successfully repaying their transactions on time. Users will receive @Pay Tokens to their fully-integrated @Pay Wallet that can be sold or used to Stake into our protocol.

Fully Integrated Crypto Wallet

@Pay will also allow users to pay for their shopping with any approved cryptocurrency that they hold in their @Pay wallet. All contributors to the ecosystem can benefit and be rewarded.

Fund your Future-self

Users are able to stake their @Pay Tokens or our approved stable coins for a period of time to earn rewards and yield bonus.


Stake your @Pay Token or approved range of stable coins.

Complete Staking Term

Users select their staking term and hold their stake for a period of time to earn a higher yield bonus return.

@Pay Token Rewards

After every successful stake, users are rewarded with @Pay Tokens as a farming bonus.

Innovative Technology

@Pay uses blockchains and smart contracts to extract process efficiencies and participant rewards.

Decentralized Finance

@Pay has designed a governance framework that allows @Pay Token holders to have a voice in initiatives that shape how @Pay evolves – creating diversified funding sources, providing benefits to contributors of all sizes.


@Pay is the first BNPL payment protocol that provides new ways to buy/sell for shoppers and merchants.

Integrated Wallet

@Pay has built a fully-integrated cryptocurrency wallet that users and merchants can use to buy, sell, stake, and earn rewards.

@Pay Token Rewards

Customers and merchants have the ability to earn @Pay Token rewards for buying/selling using the @Pay payment protocol. These rewards can be used to earn higher yield bonuses that help grow the platform and portfolios.

Secondary Features

$0 Late Fees

Unlike other BNPL solutions, @Pay has no late fees and will never charge customers for missing a payment.

0% Interest

They offer an interest-free BNPL solution for all of our customers who use @Pay, no matter the purchase amount.

Limit Increase

Pay for products and services using either traditional currencies or approved cryptocurrencies.

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Crypto investments come with high risk and you should always exercise caution when investing in any crypto asset. Investing in crypto carries a high level of risk, and may not be suitable for all investors. Any investment decisions made by you are made at your own risk and we are not responsible for any losses that may occur. Before investing, we recommend you consult a financial advisor to understand the risks and rewards associated with investing in crypto.

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