# Atrato **Source:** https://geo.sig.ai/brands/atrato **Vertical:** Finance **Subcategory:** General **Tier:** Emerging **Website:** atrato.com.mx **Last Updated:** 2026-04-14 ## Summary Mexican BNPL platform enabling installment credit at e-commerce and retail checkouts; alternative credit scoring extends credit access to underbanked Mexican consumers. ## Company Overview Atrato is a buy now, pay later (BNPL) and consumer credit platform operating in the Mexican market, enabling e-commerce consumers and retail shoppers to purchase goods on installment credit through partnerships with online and offline merchants. Founded in Mexico City, Atrato provides an alternative credit option for Mexican consumers who lack credit cards or prefer installment payment structures, using alternative data and behavioral scoring to extend credit to underserved populations. The company serves both banked and underbanked Mexican consumers in a market where credit card penetration remains significantly lower than in the US or Europe. Atrato's merchant partnerships allow customers to split purchases across 3, 6, or 12 monthly installments at checkout, with quick approval decisions based on AI scoring models that incorporate non-traditional data sources. The company processes transactions at the point of sale and manages the credit and collections process on the merchant's behalf. In 2025, Atrato competes in the rapidly growing Mexican fintech lending market alongside Kueski, Aplazame, and Kueski Pay (Kueski's BNPL product), as well as traditional consumer finance companies seeking to modernize. Latin America's BNPL market has grown substantially as e-commerce adoption accelerated and digital payment infrastructure improved. Atrato's 2025-2026 strategy focuses on deepening merchant relationships in fashion, electronics, and home goods verticals where installment credit most effectively increases conversion and average order value. ## Frequently Asked Questions ### What is Atrato? Atrato is a buy now pay later (BNPL) company founded in 2019 and based in Jalisco, Mexico. It enables Mexican consumers to split purchases at omnichannel merchants without needing credit cards, offering instant financing decisions. ### What products and services does Atrato offer? Atrato offers buy now pay later financing, omnichannel merchant payment solutions, and credit card alternatives. The company provides payment plans of up to 24 months for both online and in-person purchases at affiliated stores. ### Who can use Atrato's services? Atrato serves Mexican consumers who shop at affiliated omnichannel merchants across Mexico. It's designed for customers who want to split purchases into installments without using credit cards. ### When was Atrato founded? Atrato was founded in 2019. The company was part of Y Combinator's Winter 2021 (W21) batch. ### Where is Atrato located? Atrato is based in Jalisco, Mexico. The company serves omnichannel merchants and consumers across Mexico. ### How much funding has Atrato raised? Atrato has raised over $20 million in total funding across 6 rounds. Notable funding includes a $15 million debt round from Architect Capital in September 2021 and a $2.7 million investment round with investors including Accel, Y Combinator, and Harvard Management Company. ### How much can customers finance with Atrato? Atrato offers financing of up to 150,000 Mexican pesos (approximately $7,545 USD) in minutes. Customers can choose payment plans extending up to 24 months. ### What technology does Atrato use? Atrato uses technology-driven instant financing that enables approval decisions in minutes. The platform supports both online and in-person payment processing at affiliated merchants. ### How do I get started with Atrato? To use Atrato, shop at affiliated omnichannel merchants across Mexico that offer Atrato as a payment option. Financing decisions are provided instantly, allowing you to complete purchases at both online and physical stores. ### What is Atrato's position in the Mexican market? Atrato is a leading BNPL provider in the Mexican market. The company generates millions in revenue (specific figures undisclosed) and serves omnichannel merchants throughout Mexico. ## Tags b2c, fintech, payment-processing, latin-america, startup --- *Data from geo.sig.ai Brand Intelligence Database. Updated 2026-04-14.*