aid: atrato
name: Atrato
description: >-
  Atrato (Atrato Technologies S.A.P.I. de C.V., atratopago.com) is a Mexican fintech offering
  buy-now-pay-later (BNPL) point-of-sale financing. Affiliated merchants let shoppers split
  purchases of up to $200,000 MXN into installments of up to 24 months, without a credit or debit
  card, with approval in minutes. Atrato serves furniture, healthcare, mobility, construction,
  motorcycle, appliance and other verticals, and is regulated by PROFECO. Its Atrato Partners
  platform exposes a REST integration API (api-partners) covering in-store cash-in payment
  collection and ecommerce checkout order generation, plus status/disbursement webhooks and
  WooCommerce, Shopify and Magento plugins. This profile was enriched from Atrato's public
  developer documentation at docs.atratopago.com.
url: https://raw.githubusercontent.com/api-evangelist/atrato/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- accel
x-tier: stub
x-tier-reason: portfolio-lead
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-18'
image: https://www.atratopago.com/favicon.ico
tags:
- Company
- Fintech
- Payments
- Buy Now Pay Later
- Lending
- Mexico
- Point of Sale
- Ecommerce
apis:
- aid: atrato:atrato-ecommerce-api
  name: Atrato Ecommerce API
  description: The Ecommerce API from Atrato — 7 operation(s) for ecommerce.
  humanURL: https://docs.atratopago.com/reference/
  baseURL: https://api-sandbox.atratopago.com
  tags:
  - Ecommerce
  properties:
  - type: OpenAPI
    url: openapi/atrato-ecommerce-api-openapi.yml
  - type: Authentication
    url: authentication/atrato-authentication.yml
  - type: ErrorCatalog
    url: errors/atrato-problem-types.yml
  - type: Conventions
    url: conventions/atrato-conventions.yml
  - type: DataModel
    url: data-model/atrato-data-model.yml
  - type: Webhooks
    url: asyncapi/atrato-webhooks.yml
  - type: Sandbox
    url: sandbox/atrato-sandbox.yml
  - type: Documentation
    url: https://docs.atratopago.com/
  - type: APIReference
    url: https://docs.atratopago.com/reference/
- aid: atrato:atrato-integration-api
  name: Atrato Integration API
  description: The Integration API from Atrato — 6 operation(s) for integration.
  humanURL: https://docs.atratopago.com/reference/
  baseURL: https://api-sandbox.atratopago.com
  tags:
  - Integration
  properties:
  - type: OpenAPI
    url: openapi/atrato-integration-api-openapi.yml
  - type: Authentication
    url: authentication/atrato-authentication.yml
  - type: ErrorCatalog
    url: errors/atrato-problem-types.yml
  - type: Conventions
    url: conventions/atrato-conventions.yml
  - type: DataModel
    url: data-model/atrato-data-model.yml
  - type: Webhooks
    url: asyncapi/atrato-webhooks.yml
  - type: Sandbox
    url: sandbox/atrato-sandbox.yml
  - type: Documentation
    url: https://docs.atratopago.com/
  - type: APIReference
    url: https://docs.atratopago.com/reference/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.atratopago.com/
- type: DeveloperPortal
  url: https://docs.atratopago.com/
- type: Documentation
  url: https://docs.atratopago.com/
- type: APIReference
  url: https://docs.atratopago.com/reference/
- type: GettingStarted
  url: https://docs.atratopago.com/reference/recepción-de-pagos
- type: Authentication
  url: authentication/atrato-authentication.yml
- type: OpenAPI
  url: openapi/atrato-partners-openapi.yml
- type: Overlay
  url: overlays/atrato-partners-overlay.yaml
- type: ErrorCatalog
  url: errors/atrato-problem-types.yml
- type: Conventions
  url: conventions/atrato-conventions.yml
- type: DataModel
  url: data-model/atrato-data-model.yml
- type: Conformance
  url: conformance/atrato-conformance.yml
- type: Lifecycle
  url: lifecycle/atrato-lifecycle.yml
- type: MCPServer
  url: mcp/atrato-mcp.yml
- type: AgenticAccess
  url: agentic-access/atrato-agentic-access.yml
- type: LLMsTxt
  url: llms/atrato-llms.txt
- type: Sandbox
  url: sandbox/atrato-sandbox.yml
- type: Webhooks
  url: asyncapi/atrato-webhooks.yml
- type: Components
  url: components/atrato-components.yml
- type: AgentSkill
  url: skills/atrato-cash-in-register-payment.md
- type: AgentSkill
  url: skills/atrato-ecommerce-generate-order.md
- type: DomainSecurity
  url: security/atrato-domain-security.yml
- type: Blog
  url: https://www.atratopago.com/blog
- type: Support
  url: https://www.atratopago.com/soporte-y-ayuda
- type: SignUp
  url: https://app.atratopago.com/v3/accounts/register?LP=true
- type: Login
  url: https://app.atratopago.com/v3/accounts/getStarted
- type: TermsOfService
  url: https://s3.us-west-2.amazonaws.com/cdn.atratopago.com/Términos+y+Condiciones.+Atrato+Technologies..+2025.pdf
- type: PrivacyPolicy
  url: https://s3.us-west-2.amazonaws.com/cdn.atratopago.com/Aviso+de+Privacidad+Atrato+Technologies.+2026.pdf
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence