Tienda Pago

What Tienda Pago does

Tienda Pago operates a digital lending and cashless payments platform that serves micro and small retailers in the traditional channel—bodegas, convenience stores, bars, restaurants, and depósitos—across Peru and Mexico. Founded in Peru in 2014 and expanded to Mexico by late 2016, the company addresses a structural credit gap for retailers typically excluded from formal banking by providing revolving short-term credit and digital payment rails accessible through a mobile app and WhatsApp onboarding. Its three core products—Paga a tu distribuidor (cashless supplier payments), LanaYa (instant cash deposits to bank accounts), and Recargas de celular (airtime financing)—all share a 7-day repayment cycle and reuse-on-settlement structure, allowing borrowers to draw repeatedly against an approved line.

The technology stack centers on AI/ML-driven credit underwriting applied to behavioral and transactional data, biometric KYC with liveness detection for remote contract execution under Mexican SOFOM regulations, and a non-presential credit-contract execution process. Credit decisions are made same-day, with no collateral or traditional credit history required. The platform is supported operationally by 33,000+ physical repayment points in Mexico (including OXXO, Walmart, 7-Eleven, BBVA, Sam's Club) and 11,000+ in Peru, providing cash-heavy borrowers with convenient offline settlement.

The business model is usage-based: Tienda Pago earns interest income on drawn credit at differentiated weekly rates by product purpose—2.50% for inventory financing, 4.49% for cash advances, and 1.50% for airtime—with no maintenance fees. Revenue is supplemented by transactional processing fees on cashless supplier payments, particularly within brand partnerships with Heineken and Arca Continental. The company processes more than $300M in annual loan volume across 80,000+ active borrowers and 2,000+ loans disbursed daily, with backing from investors including QED Investors, Kaszek, Women's World Banking Asset Management, IDC Ventures, Accion, and Oikocredit following a $12M Series B in October 2022.

Name

Tienda Pago

Legal name

Transacciones Electrónicas del Canal Tradicional, S.A.P.I. de C.V. and NIUBBE S.A. de C.V., SOFOM, E.N.R.

Website

https://tiendapago.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

101–250 employees

Short description

Tienda Pago is a digital lending and cashless payments platform that provides revolving short-term credit to micro and small traditional-channel retailers (bodegas, bars, restaurants) in Peru and Mexico, accessed via mobile app and WhatsApp with AI/ML underwriting and 7-day repayment cycles.

Ownership category

akta.pro rank

Product category

SME Digital Lending

NAICS

Credit Intermediation and Related Activities (522), Other Nondepository Credit Intermediation (52229), Sales Financing (522220)

SIC

Personal Credit Institutions (6141), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD)

akta.pro secondary industry

Lending & Credit Disbursements (FSAMAKAH)

Keywords

• SME lending platform
• Inventory financing
• Working capital loans
• Digital microfinance
• Cashless payment services

Headquarters

HQ city

Hallandale

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Interest Income on Revolving Credit: Tienda Pago earns interest income on revolving credit lines extended to SME shop owners. Interest rates vary by credit purpose: 2.50% weekly for inventory financing (130.36% annual), 4.49% weekly for account deposits (234.12% annual), and 1.50% weekly for airtime recargas (78.21% annual). The credit is repaid within 7 days, with borrowers able to reuse the line once settled.
2. Digital Transaction Processing: Fees earned from processing digital payments between shop owners and supplier partners through the Tienda Pago platform.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Tienda Pago operates a digital lending platform that provides short-term revolving credit to micro and small retail businesses (bodegas, convenience stores, bars, restaurants, depósitos) in Mexico and Peru. Through a mobile app and WhatsApp onboarding, shop owners can access three core credit products: cashless supplier payments (Paga a tu distribuidor), instant cash deposits to bank accounts (LanaYa), and airtime recharge financing (Recargas de celular), all repayable within 7 days. The platform uses AI/ML-based credit scoring to underwrite borrowers without traditional credit history, enabling same-day credit decisions.

Product overview

Tienda Pago operates as a unified financial technology platform providing revolving credit and cashless payment services for small and medium enterprises in the traditional channel across Peru and Mexico. The platform centers on three core credit products: LanaYa (instant cash deposits to bank accounts), Paga a tu distribuidor (cashless supplier payments with 7-day repayment), and Recargas de celular (mobile airtime sales financing). All services are accessed through the Tienda Pago mobile app and repaid at over 33,000 payment points in Mexico and 11,000 in Peru. The platform incorporates AI-driven credit evaluation, automated fraud detection, and predictive risk management to enable same-day financing decisions without traditional collateral requirements.

Differentiator

Problem solved

Functional benefit

Products and services

• Paga a tu distribuidor Digital payment service enabling small business owners (bodegas, tiendas, bars, restaurants, depósitos) to pay their distributors and receive inventory immediately without using cash. Payment is settled within 7 days through Tienda Pago's cashless ecosystem, in partnership with major brands such as Heineken and Arca Continental.
• LanaYa (Efectivo al instante) Instant cash deposit service providing immediate working capital directly to the business owner's bank account. Funds can be used for any business purpose with repayment within 7 days at a weekly interest rate of 4.49%.
• Recargas de celular Mobile airtime recharge financing service that allows shop owners to offer mobile phone top-ups to their customers without upfront cash investment. Shop owners can sell airtime recharges and repay Tienda Pago within 7 days at a weekly interest rate of 1.50%.
• Tienda Pago App (Tienda Pago para comercios) Mobile application providing 100% digital registration, credit access, payment management, and balance tracking for shop owners. Customers can register, receive same-day financing decisions, and manage their accounts entirely through the app, with an alternative onboarding flow available via WhatsApp.

Quantifiable outcome

• Businesses using Tienda Pago experience +20% more growth than those not using the solution
• +3 more outcomes

Named customers3 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability5 records

Feature3 records

Partnerships

Seven partnerships are on record, tiered core, major and minor.

• HeinekencoreStrategic or Co-development PartnerMajor global beer brand ally enabling Tienda Pago's cashless payment mechanism for beer distributors. Heineken serves as both a commercial partner and marketing ally, with their logo displayed prominently on the platform. Partnership benefits over 18 million families according to company materials.
• Arca ContinentalcoreStrategic or Co-development PartnerLeading beverage and food products distributor in Latin America. Partnership enables Tienda Pago's financing services for stores purchasing Arca Continental products.
• Banco CovaltomajorTechnology or IntegrationServes as fiduciary (Banco Covalto, S.A., Institución de Banca Múltiple, División Fiduciaria) in a trust arrangement (Fideicomiso Irrevocable de Administración y Fuente de Pago Número F/1414) established September 2025 for customer protection and legal certainty.
• OXXO (FEMSA)majorChannel Partner/ Reseller/ DistributorPrimary payment point network in Mexico with thousands of locations where customers can settle Tienda Pago balances.
• Walmart (Mexico)majorChannel Partner/ Reseller/ DistributorPayment point partner including Walmart, Sam's Club, and Bodega Aurrera locations for loan repayment.
• 7-Eleven MexicomajorChannel Partner/ Reseller/ DistributorConvenience store chain providing payment point locations for Tienda Pago balance settlements.
• BBVA MexicominorChannel Partner/ Reseller/ DistributorBanking partner providing payment point locations for loan settlements.

Scale indicators11 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Konfío: Mexican fintech providing working capital and credit lines to small businesses and entrepreneurs. Highly comparable to Tienda Pago as both target underserved SMEs in Mexico with digital lending, although Konfío typically serves slightly larger borrowers and longer tenors.
• Kueski: Mexico-based BNPL and cash-loan fintech. Operates in the same regulatory environment as Tienda Pago with similar high-frequency, short-tenor credit, though Kueski primarily addresses consumers rather than tiendas/bodegas.
• Addi: LatAm BNPL and consumer credit fintech operating across Colombia, Mexico, and Brazil. Comparable in delivering short-cycle, small-ticket digital credit to underserved segments; a relevant competitor as Tienda Pago expands beyond Mexico and Peru.
• Jeeves: LatAm fintech providing credit cards, payments, and expense management to SMEs across Mexico, Brazil, Colombia, and Chile. Comparable as a digital-native SME credit provider in the same geographies, though focused on corporate cards rather than bodega inventory financing.

Emerging players

• Stori: Mexican fintech issuing credit cards to underbanked consumers and small merchants. Comparable to Tienda Pago in target segment (underbanked Mexico) and product philosophy (small-ticket, short-cycle credit), though delivered via revolving cards rather than inventory credit lines.
• Clip: Mexican payments provider for SMEs offering card acceptance and increasingly working capital. Adjacent to Tienda Pago's cashless-payment-plus-credit positioning, with deep Mexican SME distribution that could overlap.

Broad incumbents

• Klar: Mexican digital bank offering credit, payments, and savings to consumers and small businesses. Overlaps with Tienda Pago in serving underbanked Mexican customers with credit products but operates as a broader financial super-app rather than a specialized tienda lender.
• Mercado Pago: Payments and credit arm of Mercado Libre with massive merchant reach across Latin America. Indirectly comparable to Tienda Pago through its growing merchant credit and POS offerings, with vastly larger scale and balance sheet.
• Albo: Mexican consumer fintech and digital account provider. Comparable in targeting Mexico's underbanked with digital financial services, though Albo's primary products are accounts and cards rather than tienda-focused inventory credit.

Regional players

• B89 (formerly Banco Compartamos services): Mexican fintech providing digital financial services and small-ticket credit to underserved consumers and micro-businesses. Comparable in segment (micro-merchant and informal retail) and product (short-term, high-frequency credit), serving as a Mexico-specific benchmark for Tienda Pago's niche.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/tiendapago
• Instagraminstagram.com/tiendapagomx
• TikToktiktok.com/@tiendapagomx
• Xx.com/tiendapago
• LinkedInlinkedin.com/company/tienda-pago

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds4 records

Investors10 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Tienda Pago