Overview

Atrato Pago provides consumer credit as a payment option for retail purchases in Mexico. It pays merchants upfront and allows customers to repay Atrato Pago over up to 24 months, effectively acting as a credit provider at the point of sale for online and in-store shopping. The product works by the customer selecting Atrato Pago at checkout, completing a credit application with required documents, and, upon approval, viewing their balance and payment references in their Atrato Pago profile. Revenue comes from interest charged on the financed amount. The company differentiates itself by serving a broad demographic (ages 18–70 with Mexican mobile numbers and emails) and by offering credit through a digital platform that supports both online and offline retailers, enabling merchants to offer installment payments without carrying the funding risk. Its goal is to expand accessible consumer credit for retail purchases in Mexico while earning steady interest income from the financed balances.