generated: '2026-07-18'
method: derived
source: openapi/atrato-partners-openapi.yml + https://docs.atratopago.com/reference/
entities:
- name: User
  id: userId
  summary: Atrato borrower identified by CIE reference (starts with 'U') or applicationId.
- name: Credit
  id: creditId
  summary: An active BNPL credit belonging to a user, with debtToDate / settleAmount / installmentAmount.
- name: Store
  id: storeId
  summary: Authorized partner branch where an in-store payment is received.
- name: Payment
  id: globalPaymentId
  summary: A cash-in payment applied to one or more credits; status success | pending_conciliation | cancelled.
- name: Order
  id: order-id / atrato_application_id
  summary: An ecommerce checkout order / credit application generated for a partner-key.
- name: Disbursement
  id: transactionId
  summary: Funds disbursed to the merchant for a confirmed order; carries trackingKey.
relationships:
- from: Credit
  type: belongs_to
  to: User
  via: userId
- from: Payment
  type: belongs_to
  to: User
  via: userId
- from: Payment
  type: has_many
  to: Credit
  via: appliedPayments[].creditId
- from: Payment
  type: belongs_to
  to: Store
  via: storeId
- from: Order
  type: has_one
  to: Disbursement
  via: transactionId