The only instalment plan used is using SPLIT or ATOME
         Atome launches in Malaysia with over 100 merchant partners already onboard  - Startups Zone
          – You can pay in 3X monthly instalments, 0% interest using credit card or debit card.
          – You can also pay in full amount.
          – Installment plan only viable for item price over RM 50 including the item in clearance category