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Enabling consumers split the cost of purchases without a credit card
Enabling merchants and consumers to offer flexibility at the point of sale
Atrato Pago is a Mexican fintech that enables consumers to buy on credit across affiliated merchants, offering fast approvals and payment over up to 24 months. It also provides merchants a way to increase sales by offering credit to customers with integrated onboarding and support.
Atrato Pago connects people and merchants to enable credit purchases at affiliated stores. Customers select an Atrato-affiliated merchant, apply for credit in minutes, and take their purchase to pay at their own pace (up to 24 months). Merchants join Atrato for free, offer credit to customers, and receive fast, secure payments. The platform emphasizes transparent repayment terms and nationwide acceptance across multiple product categories and industries.
Who it’s for: Consumers seeking flexible, credit-based payments; merchants across multiple industries (furniture, health/clinics, mobility, construction, motorcycles, white goods, music) that want to increase sales and average ticket with credit offerings.
Hiring/traction mentions implied by large merchant network and testimonials; regulatory mention (PROFECO) and 규모 of customers/financed amounts suggest growth traction.
I’m the Co-Founder and CEO of Boom, where we’re building the AI employee layer for e-commerce: virtual agents that help brands close more sales by automating customer interactions. Before this, I dropped out of college to build Atrato (YC W21), one of Latin America’s leading Buy Now Pay Later companies, which I scaled from 0 to ~$20M in annualized revenue before it was acquired. I started as CTO and became CEO, which made learn how to sell, lead, and scale.
I co-founded and served as the CEO of Atrato. I helped the company grow from an idea while I was in college to a leading BNPL and payment solution in Mexico with +$20M in funding, millions of dollars in revenue and dozens of employees.
Account-to-Account payments in Mexico and Chile.
Point of sale financing for Latin America's middle class.
