# Atrato

**Canonical:** https://apis.io/providers/atrato/  
**Website:** https://www.atratopago.com/  
**APIs profiled:** 2

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.

## Kin Score — 44.6 / 100 (developing)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 44.6).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 64.7 |
| Governance | 11.5 |
| Operational Transparency | 7.9 |
| Developer Ergonomics | 62.5 |
| Commercial Clarity | 34.2 |

Regulatory layer — **Payments**: 39.1 (matched via tags).

## Agent readiness — 46.6 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| MCP Server | derived |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | verified |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (2)

- **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)

- **atrato-mcp.yml**

## Agentic access (1)

- **Atrato Agentic Access** — 13 operations · 6 acting

## Security (2)

- **Atrato Authentication** — apiKey · 1 scheme
- **Atrato Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Fintech, Payments, Buy Now Pay Later, Lending, Mexico, Point of Sale, Ecommerce

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/atrato/). Scores are computed from the provider's own public artifacts under a published rubric.