What happens if I want to pay earlier than the agreed payment plan? 18 August 2022 08:57 Updated You may opt to pay the full amount at any point of the agreed payment plan i.e. 6 or 12 months payment plan. However, there will be no refund of any service fee. Related articles Can you waive the service fee? How is the service fee calculated How is this different from the usual 3-months instalment Atome offer? What is my spending limit? Is there any additional charge?