Atrato Usuario is a payment method app that allows users to make purchases up to $200,000 pesos at affiliated stores, paying in installments up to 24 months without cards.

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  • Launch Atrato Usuario directly from your Dock or taskbar.
  • Work without distractions in a dedicated window, separate from your browser tabs.
  • Manage multiple Atrato Usuario accounts and switch between them without logging out.

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Atrato Usuario is for shoppers who want to finance purchases from participating retailers without using a credit card. Choose Atrato at checkout online or in a store, submit a financing application through the platform, and—if approved—pay for the purchase in scheduled installments of up to 24 months. Payment options include bank transfer, OXXO and BBVA cash-payment locations.

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