Atrato

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.

Atrato publishes 2 API contracts indexed on the APIs.io network: Ecommerce API and Integration API. Tagged areas include Company, Fintech, Payments, Buy Now Pay Later, and Lending.

The Atrato catalog on APIs.io includes 1 event-driven AsyncAPI specification and 1 Spectral governance ruleset.

Atrato’s developer surface includes documentation, API reference, getting-started guide, authentication, sandbox, engineering blog, support, and 21 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

39.5/100 developing ▬ flat Agent 36/100 agent ready Front door AI 1/6 silent Heartbeat 100/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 published contract 2 Agent Skills

Company Fintech Payments Buy Now Pay Later Lending Mexico Point-of-Sale E-Commerce

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 39.5/100 · developing

Contract Quality 9.7 / 19

Developer Ergonomics 9.0 / 15

Access Clarity 3.4 / 15

Operational Transparency 0.8 / 10

Contract Governance 1.6 / 9

Discoverability 5.5 / 8

Regulatory Posture 3.1 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 36/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Show this score on your site.

It updates itself when the score changes. Paste this where you link to your API docs:

<a href="https://apis.io/providers/atrato/"><img src="https://apis.io/badge/atrato/card.svg" alt="Atrato on APIs.io — Kin Score by API Evangelist"></a>

Other styles, a README pill and a shields.io endpoint are on the badge page.

Raise your score.

Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)

5 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 22.4 — up to +15.5 composite points
Operational Transparency scores 7.9 — up to +12.0 composite points
Contract Quality scores 51.9 — up to +12.0 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/atrato/apis.yml: open an issue on github.com/api-evangelist/atrato to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Consumer Lending Licensing (UK, US, Canada credit licence registers)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

APIs 2

Individual APIs this provider publishes, each with its own machine-readable definition.

Atrato Ecommerce API

The Ecommerce API from Atrato — 7 operation(s) for ecommerce.

Atrato Integration API

The Integration API from Atrato — 6 operation(s) for integration.

Open Collections 2

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Atrato Partners Ecommerce API

OPEN COLLECTION

Atrato Partners Ecommerce Integration API

OPEN COLLECTION

Agent Skills 2

Packaged agent skills for driving this provider's APIs from an AI assistant.

Register an in-store cash-in payment

AGENT SKILL

Generate an ecommerce BNPL checkout order

AGENT SKILL

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Atrato Webhooks

ASYNCAPI

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Atrato API Rules

47 rules · 42 errors 3 warnings 2 info

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Atrato Partners Overlay

4 actions · documentation · atrato-partners-openapi.yml

DERIVED

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Atrato Authentication

apiKey · 1 scheme

SECURITY

Atrato Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Atrato Agentic Access

13 operations · 6 acting

AGENTIC

Resources

Get Started 5

Portal, sign-up, and the first successful call

DeveloperPortal

GettingStarted

Sandbox

SignUp

Login

Documentation 3

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

OpenAPI

OpenAPI

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

X-MCPServerCandidate

AgenticAccess

LLMsTxt

AgentSkill

AgentSkill

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

ErrorCatalog

Conventions

DataModel

Conformance

Lifecycle

Webhooks

Components

Scroll for all 7

Access & Security 2

Authentication, authorization, and security posture

Authentication

Authentication

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Other 1

Properties that don't map to a standard resource type

Overlay

Overlay

Source (apis.yml)

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
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  - sandbox
  generated: '2026-11-06'
  method: derived
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-18'
image: https://www.atratopago.com/favicon.ico
x-docs-platform: readme
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-09-19
tags:
- Company
- Fintech
- Payments
- Buy Now Pay Later
- Lending
- Mexico
- Point-of-Sale
- E-Commerce
tags_raw:
- 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:
  - E-Commerce
  tags_raw:
  - 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/_original/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: X-MCPServerCandidate
  url: mcp/atrato-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- 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

Atrato API — frequently asked questions

Does Atrato have an API?

Yes. APIs.io lists 2 APIs from Atrato, including Atrato Ecommerce API and Atrato Integration API.

Is there an OpenAPI specification for the Atrato API?

Yes. APIs.io indexes 2 OpenAPI specifications for Atrato, each linked for download from this page.

How do I authenticate with the Atrato API?

Atrato uses bearer-token authentication (apiKey · 1 scheme). The details are profiled on APIs.io as Atrato Authentication.

Is the Atrato API ready for AI agents?

Atrato has a Kin Score of 39.5 out of 100 (developing) and an Agent Readiness score of 35.8 (agent-ready), scored by API Evangelist on 2026-11-06.

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this

find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

All 92 tools →

Call it yourself

curl for this page

This provider

curl "https://apis.io/api/v1/providers/atrato"

All providers

curl "https://apis.io/api/v1/providers?limit=25"

Every operation they expose

curl "https://apis.io/api/v1/providers/atrato/operations?limit=25"

How their score was established

curl "https://apis.io/api/v1/providers/atrato/evidence"

Calls without X-API-Key need no key. Calls with it need a paid plan — get a key.

Get an API key

Free tier, no form to fill in. Signing in shares your email address with us — we store it to create your key and to recognise you if you sign in with another provider. See our Privacy Policy and Terms.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.