LatamList · Sep 2021
Reports $15M debt financing from Architect Capital and describes Atrato’s checkout-integrated lending product and merchant value proposition.
Enabling consumers split the cost of purchases without a credit card
Company research
Public company, workplace, funding, and market signals
Updated Aug 16, 2026
Overview
Atrato (atratopago.com) is a Mexican fintech that provides flexible financing and deferred-payment solutions for businesses and their customers, helping merchants increase sales with installment checkout and credit at point of sale.
Primary product
ATRATO PAGO, a BNPL / point-of-sale financing platform for merchants and SMEs in Mexico
Founded
2019
Headquarters
Ciudad de México, Ciudad de México, Mexico
Team size
51-200 employees
Work style
Flexible
Industry
Financial Services
Sub-industry
Fintech / BNPL / merchant financing
Offices
Zapopan, Jalisco, Mexico
Mexico City, Mexico
Business model
B2B2C fintech
merchant financing
point-of-sale lending
deferred payments
installment payments
Funding
Stage
Seed / debt-financed growth stage
Total raised
$17.8M
Latest round
Debt Financing · Sep 2021
Latest amount
$15M
Jan 2023
Sep 2021 · Architect Capital
Apr 2021 · Accel
People & investors
Leadership
Co-Founder & CEO (historical on LinkedIn; now appears as former CEO and current co-founder at Boom AI)
Co-Founder & COO
Former CTO / Head of Engineering (now at Boom AI)
Head of Sales
People Business Partner
Work & culture
Public posts emphasize flexibility, remote work, team culture, learning, and wellbeing. The company appears to market a people-first, collaborative environment.
Work style
Flexible
Compensation
No reliable public salary bands found. Limited LinkedIn-derived employer ratings suggest compensation is viewed positively, but there is no verified public compensation policy.
Benefits
Remote work appears in company LinkedIn posts
Culture/content suggests emphasis on wellbeing, flexibility, and team development
Public employer-rating signals strong culture and work-life balance (LinkedIn-derived summary)
Product & market
Pricing
Not publicly disclosed; likely merchant-funded / fee-based financing and underwriting economics.
Differentiators
- —Installment and deferred-payment financing at checkout
- —Works across online and physical merchants
- —Immediate payment to merchants while customers pay over time
- —Positioned as accessible credit for underbanked consumers
- —YC-backed and publicly described as using technology for underwriting and risk management
Technology
WooCommerce
Shopify
Magento
React
TypeScript
Node.js
Python
MySQL
Snowflake
Docker
Terraform
GitHub
GitHub Actions
Fivetran
Zapier
Netsuite
Slack
Notion
Google Workspace
Microsoft 365
Customers
Merchants in Mexico
SMEs
e-commerce and offline/online retail brands
Consumers buying through merchant checkout
Competitors
Kueski Pay
Aplazo
Klar
Nelo
Mercado Crédito
Stripe Installments / other BNPL and merchant-financing providers
Scale & contact
Estimated revenue
$1M-$10M annual revenue (publicly estimated by Exa/LinkedIn-derived data)
Estimated monthly visits
71.3K
Traffic estimate as of Jun 2026
Latest news
LAVCA · Sep 2021
Confirms the debt facility and reiterates Atrato’s use case for installment financing at merchants.
LatamList · Apr 2021
Reports Atrato’s $2.7M seed round led by Accel and mentions angel participation, including PayU founder Martin Schrimpff and WePay founder Bill Clerico.
LAVCA · Apr 2021
Primary-source venture coverage confirming the seed round and investor participation; describes Atrato as an installment-payment platform for retail brands and SMEs.
Atrato / Medium · Mar 2021
Company announcement that Atrato joined Y Combinator W21 and was live with merchants in Mexico.
Jobs and careers at Atrato
4 jobs at Atrato
Business Development Representative (BDR)
Remote
Comercial
Fully Remote - México; Guadalajara, Jalisco, Mexico
2w ago
Remote
Full-time
Account Executive
Remote
Comercial
Fully Remote - México; Guadalajara, Jalisco, Mexico
2w ago
Remote
Full-time
Account Executive - Vertical Motos
Remote
Comercial
Híbrido; Mexico
4w ago
Remote
Full-time
Gestor de cobranza
Remote
Operaciones
Fully Remote - México; Guadalajara, Jalisco, Mexico
1mo ago
Remote
Full-time