What Macropay does

Macropay (legal entity: Celulares y Accesorios del Sureste S.A. de C.V.) is a Mexican retail consumer-finance company founded in 2000 and headquartered in Mérida, Yucatán. The company enables unbanked and underbanked Mexican consumers to purchase consumer goods on installment credit without requiring prior credit history or a credit card; identification via INE (the national voter ID) and biometric verification (fingerprint and facial) are the primary onboarding requirements, with credit decisions completed in under 10 minutes inside physical branches. The product portfolio spans cell phones, motorcycles, smart TVs and electronics, home appliances (línea blanca), electric bicycles, gold (Oro a Crédito), cash loans (Préstamos en Efectivo), and vehicle-collateralized loans (Autopréstamos) up to 50,000 MXN. The supporting ecosystem includes the Carterita loyalty wallet (redeemable Macropesos points), the Club Macropay savings program (offering up to 50% bonus contributions usable as down payments), the Cambalache trade-in program for used electronics, the Cupón Apartadito savings coupon system, the "Garantía Más Perrona" extended warranty, and a wholly-owned SIM-card subsidiary called Chip Macropay.

The business operates an omni-channel distribution model built around a proprietary physical retail branch network across multiple Mexican states — with documented branches in Yucatán (Mérida, Valladolid, Progreso, Hunucma, Umán, Ticul, Tekax, Oxkutzcab, Motul, Kanasín) and Jalisco (Guadalajara, Zapopan, Puerto Vallarta, Tonalá, Tlaquepaque) — supplemented by the macropay.mx e-commerce catalog, a WhatsApp Business chatbot for inside-sales and support, and a dedicated warranty-tracking portal. Revenue is generated through interest charges on weekly installment credit, retail markups on hardware sales from brands including Samsung, Motorola, Xiaomi, Honor, TCL, Hisense, Bajaj, Yadea, Tecno, and Kiwo, fees on cash and auto loans, and ancillary services such as SIM cards and warranties. Customer-acquisition marketing relies on seasonal promotional campaigns (e.g., "Verano para Estrenar"), in-store point-of-sale promotions (0% down payment, discount bundles), social media presence across Facebook, Instagram, and X, and loyalty engagement.

In October 2022, Vector Partners invested 150 million pesos (~US$7.5M) to fund the next phase of national branch expansion; the company had previously operated without documented institutional capital and is privately held by its founders. Technology assets include a credit origination platform with biometric identity verification, mobile-app digital wallet, weekly payment processing infrastructure, WhatsApp chatbot support, and integration with Mexican credit bureaus (Sociedades de Información Crediticia) and banking partners for collections.

Name

Macropay

Legal name

Celulares y Accesorios del Sureste S. A. de C. V.

Website

https://macropay.mx

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Macropay is a Mexican retail consumer-finance company that enables unbanked and underbanked consumers to purchase cell phones, motorcycles, electronics, appliances, gold, and vehicles on weekly installment credit via its proprietary physical branch network across multiple Mexican states.

Ownership category

akta.pro rank

Product category

Consumer Credit Financing

NAICS

Sales Financing (52222), Consumer Lending (522291), Electronics and Appliance Retailers (449210)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

BNPL Consumer Apps & Wallets (Discovery, Management) (FSAGAIAG)

akta.pro secondary industries

Loyalty, Points Currency & Stored Value Payments (THALAHAK), New & Used Auto Purchase Loans (FSAKADAA)

Keywords

• Consumer credit financing
• Retail electronics sales
• Instant credit approval
• Motorcycle financing
• Buy now pay later

Headquarters

HQ city

Mérida

HQ country

Mexico

HQ region

Latin America

Offices7 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Credit Financing: Macropay generates revenue through interest charged on credit financing for consumer purchases. Customers make weekly fixed payments over the financing period, paying for phones, motorcycles, electronics, and appliances in installments without needing credit history or credit cards.
2. Retail Sales: Direct sales of electronics, cellphones, motorcycles, appliances, and related accessories through physical stores and website. Products include Samsung, Motorola, Xiaomi, Honor, TCL, and other brands.
3. Gold Credit Products: Specialized credit product for purchasing gold items at Macropay locations.
4. Auto Loans: Vehicle financing loans (Autopréstamos) up to $50,000 MXN using the vehicle as collateral, subject to credit evaluation.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Macropay sells consumer electronics (cell phones, smart TVs, audio, gaming, accessories), motorcycles, electric bicycles, home appliances, and gold through company-operated retail branches across Mexico, offering installment credit financing with weekly fixed payments. Customers can qualify with only an INE (voter ID) and complete the credit process in under 10 minutes without needing traditional credit history or a credit card, with the company also providing cash loans, vehicle-backed loans (Autopréstamos), and loyalty/savings programs such as Carterita, Club Macropay, and Cambalache trade-in.

Product overview

Macropay is a Mexican retail finance company that enables consumers to purchase products on credit without requiring credit history or credit cards. The platform operates a unified retail financing ecosystem with multiple interconnected products: the core credit platform enables instant financing for cell phones, motorcycles, cash loans, and home appliances; loyalty programs (Carterita with Macropesos rewards, Club Macropay savings); trade-in and down payment programs (Cambalache, Apartadito); and complementary offerings including SIM cards, warranties, and insurance. The company also offers vehicle loans (Autopréstamos) and gold purchasing. Products are sold through physical store branches across Mexico with weekly payment options.

Differentiator

Problem solved

Functional benefit

Products and services

• Celulares a Crédito (Cell Phones on Credit) Macropay's core retail product allowing Mexican consumers to purchase cell phones through installment financing with weekly fixed payments, requiring only an INE identification for credit approval — no credit history or credit card needed.
• Motocicletas a Crédito (Motorcycles on Credit) Motorcycle financing product that lets customers purchase motorcycles through weekly installment payments with promotional discounts and 0% down payment options on selected models (range $14,499–$82,999 MXN).
• Préstamos en Efectivo (Cash Loans) Cash loans disbursed through Macropay's financing platform, repaid on a weekly installment schedule, available to consumers reached through Macropay's retail network.
• Oro a Crédito (Gold on Credit) Credit product that allows customers to buy gold items at Macropay locations through installment financing, leveraging the same instant credit approval process.
• Autopréstamos (Vehicle-Backed Loans) Loans of up to $50,000 MXN secured by the borrower's vehicle as collateral, with terms determined by vehicle commercial value, credit history, and payment capacity, requiring an original endorsed invoice and identity validation.
• Chip Macropay (SIM Card Service) SIM card and mobile services offered by Macropay's wholly-owned subsidiary Chip Macropay, with a dedicated website for activation and management.
• Carterita Macropay (Loyalty Program) Loyalty program with a digital wallet that lets customers accumulate Macropesos rewards through purchases and on-time payments, redeemable for products and down payments at Macropay stores.
• Club Macropay (Savings Program) Savings program where customers make contributions into a savings wallet, with Macropay adding up to 50% as a bonus, usable as a down payment for future financed cell phone purchases.
• Cambalache (Trade-In Program) Trade-in program that lets customers exchange used cell phones for virtual credit (Wallet Cambalache) redeemable as a down payment or toward new purchases at Macropay stores.
• Cupón Apartadito (Savings Coupon) Virtual code (coupon) system designed for customers without credit cards to accumulate funds for use as a down payment on products bought at Macropay stores.
• Garantía Más Perrona (Extended Warranty) Extended warranty program offered to Macropay customers on financed products, supporting service order tracking through a dedicated warranty tracking portal.

Quantifiable outcome

• 9 out of 10 collaborators report satisfaction working at Macropay
• +1 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability4 records

Feature6 records

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Kueski: Mexico's largest online BNPL and consumer lender. Directly comparable to Macropay's core business of providing credit to underbanked Mexican consumers, but operates digitally without a physical branch network.
• Aplazo: Mexican BNPL startup offering interest-free installment payments at point of sale. Competes on the same unbanked/underbanked segment but via digital merchant integrations rather than owned retail.
• Nelo: Mexican BNPL platform offering credit for online and offline purchases. Direct competitor in the consumer installment financing space with similar target demographic.
• MiCredito.mx: Mexican online consumer lender offering small personal loans to underbanked consumers. Comparable product (consumer credit to thin-file borrowers) and target customer, with overlapping weekly-payment product structure.

Broad incumbents

• Coppel: One of Mexico's largest retail chains with embedded consumer credit and a national branch network. Comparable business model (retail + credit for everyday goods) but at far greater scale and broader product mix.
• Elektra (Grupo Elektra): Mexican retailer and consumer financier (parent of Banco Azteca) selling electronics, appliances, and motorcycles on credit. Broadly comparable retail-credit model, but operates at much larger scale and includes full banking services.
• Banco Azteca: Mexican consumer credit bank serving low/middle-income borrowers, part of Grupo Elektra. Overlaps in target customer and credit products, but operates as a regulated bank with deposits and nationwide infrastructure.
• Famsa: Mexican retail chain offering furniture, electronics, and appliances on consumer credit. Similar retail-with-credit model and target demographic, though Famsa has historically focused on furniture/home goods rather than cellphones.
• Mercado Pago: Fintech arm of Mercado Libre offering credit, payments, and consumer financing in Mexico. Comparable in serving Mexican consumers with credit products, but operates as part of a much larger e-commerce ecosystem rather than a dedicated retail credit business.

Regional players

• Provu: Brazilian BNPL provider for online merchants. Similar BNPL/installment model and emerging-market consumer credit focus, but operates in Brazil rather than Mexico, making it a regional comparable rather than a direct competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/MacropayMX
• Instagraminstagram.com/macropay.mx
• Xx.com/MacropayOficial

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds1 record

Investors1 record

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 Macropay