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 APIs 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.

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

🌐 Visit website 📡 Source on GitHub

43.8/100 developing ▬ flat Agent 47/100 agent ready Full breakdown ↓
scored 2026-07-28 · rubric v0.6

AccessSelf serve

2 APIs 1 MCP Servers

CompanyFintechPaymentsBuy Now Pay LaterLendingMexicoPoint of SaleEcommerce

Kin Score

Kin Score How this is scored →
scored 2026-07-28 · rubric v0.6

Composite quality — 43.8/100 · developing

Contract Quality 15.3 / 25

Developer Ergonomics 12.5 / 20

Commercial Clarity 6.8 / 20

Operational Transparency 1.0 / 13

Governance 1.4 / 12

Discoverability 7.6 / 10

Agent readiness — 47/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

MCP Server 12 / 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

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/atrato: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

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.

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

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

MCPServer

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
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

Atrato

Kin Score

APIs 2

Atrato Ecommerce API

Atrato Integration API

MCP Servers 1

atrato-mcp.yml

Event Specifications 1

Atrato Webhooks

Security Posture 2

Atrato Authentication

Atrato Domain Security

Agentic Access 1

Atrato Agentic Access

Resources