What Cuper does

Cuper is a Mexican digital payment and consumer credit platform that enables patients to pay for medical consultations, procedures, surgeries, and insurance deductibles in installments of 4, 8, or 12 bi-weekly periods without using a credit card. The company operates under the legal entity Cuper Pay S.A.P.I. de C.V., is headquartered in Mexico City (Miguel Hidalgo), has 11-50 employees, and serves two customer segments simultaneously: individual patients seeking medical financing (primarily underbanked consumers without credit cards) and healthcare providers (doctors, hospitals, clinics, laboratories) across six medical specialties — plastic surgery, orthopedics/rehabilitation, gynecology/obstetrics, dermatology, dentistry, and ophthalmology.

The product is built around a QR-code distribution model: patients scan codes displayed in affiliated medical offices to access a mobile app or web platform, complete registration in under three minutes using email, phone, INE (Mexican official ID), and a debit card, and receive an immediate credit decision (up to $20,000 MXN instantly, up to $75,000 MXN within 24 hours). Core technology integrations include Openpay for payment processing and automated bi-monthly debit collection, and Círculo de Crédito and Buró de Crédito for credit bureau checks at underwriting and for reporting delinquent borrower behavior. The platform comprises three connected products: the Cuper Pay consumer financing platform, the Cuper App (patient mobile application on iOS/Android), and the Cuper Merchant Portal (merchant.app.cuperpay.com) for affiliated providers.

Cuper's revenue model is transactional: it charges a variable commission of 0-15% on financed transactions, plus a 40% late fee on overdue payments, with no interest charged on the principal. The company earns revenue on each transaction while the provider receives full upfront payment within 24 hours. Go-to-market is dual-sided: a self-serve/PLG motion for patients via QR codes, mobile app, and web, paired with an enterprise field-sales motion that recruits healthcare providers as merchant partners at zero onboarding cost, supported by digital marketing (Facebook, Instagram, LinkedIn) and direct outreach across Mexican states. The service is currently restricted to Mexico with no disclosed geographic expansion, funding rounds, or external institutional investors.

Name

Cuper

Legal name

Cuper Pay S.A.P.I. de C.V.

Website

https://cuperpay.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Cuper is a Mexico-based digital financing platform that lets patients pay for medical consultations, procedures, surgeries, and insurance deductibles in 4, 8, or 12 bi-weekly installments without a credit card, serving individual patients and affiliated healthcare providers across six specialties.

Ownership category

akta.pro rank

Product category

Healthcare Payment Financing

akta.pro primary industry

A2A Payment Initiation Service Providers (PISPs) (FSAMAFAB)

akta.pro secondary industry

BNPL Card / Virtual Card Programs (FSAKACAC)

Keywords

• Healthcare payment financing
• Medical installment plans
• Patient financing platform
• Healthcare fintech solutions
• Medical billing payments

Headquarters

HQ city

Miguel Hidalgo

HQ country

Mexico

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

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

Revenue model

1. Commission on Service (Comisión por Servicio): Cuper charges a variable commission fee ranging from 0% to 15% calculated on the transaction amount. This commission is disclosed transparently at the time of credit approval and varies based on the transaction amount and chosen payment term. The commission is collected as part of the total repayment amount.
2. Late Payment Fees (Tarifa por Retardo): When users fail to make timely payments, Cuper charges a 40% late fee on the outstanding payment amount, in addition to any applicable interest. This creates a secondary revenue stream from defaulted accounts.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

Cuper is a Mexican digital payment platform that enables patients to pay for medical services in fixed installments without needing a credit card. The service connects patients with healthcare providers through a consumer-facing app/web platform and a dedicated merchant portal for clinics and doctors.

Product overview

Cuper operates as a unified digital financing platform for medical services, consisting of three interconnected components: the Cuper Pay consumer platform for patients to finance medical payments via QR code scanning, the Cuper App for patient registration and account management on mobile devices, and the Cuper Merchant Portal for affiliated doctors and hospitals to receive immediate payments. The platform enables financing for medical consultations, procedures, surgeries, and insurance deductibles across six medical specialties (plastic surgery, orthopedics, gynecology, dermatology, dentistry, and ophthalmology) with payment terms of 4, 8, or 12 bi-weekly installments without requiring a credit card.

Differentiator

Problem solved

Functional benefit

Products and services

• Cuper Pay Consumer-facing digital platform that lets Mexican patients pay for medical services in fixed installments without needing a credit card.
• Cuper App Mobile application for patients to manage their medical installment plans, view balances, and make payments.
• Cuper Merchant Portal Web portal for doctors, clinics, and other healthcare providers in Mexico to offer Cuper installment payments to their patients and manage billing.

Quantifiable outcome

• 20% increase in doctor income from consultations and surgeries
• +3 more outcomes

Named customers6 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

Integration3 records

Feature3 records

Partnerships

Four partnerships are on record, tiered minor and core.

• TactivminorOthersPartner displayed in the 'Nuestros Partners' (Our Partners) section on Cuper's website. Nature of partnership not specified in available sources.
• Cuasar CapitalminorOthersPartner displayed in the 'Nuestros Partners' (Our Partners) section on Cuper's website. Nature of partnership not specified in available sources.
• OpenpaycoreTechnology or IntegrationOpenpay S.A. de C.V. provides payment processing infrastructure for Cuper. Used to enable debit card linking and automatic payment collection functionality. Users may see Openpay charges on their bank statements.
• Círculo de CréditocoreTechnology or IntegrationMexico's credit bureau used by Cuper to verify user identity, assess creditworthiness, check economic capacity, and determine eligibility for credit registration. Also used for credit history reporting of user payment behavior.

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Kueski: Mexico's largest online BNPL and consumer credit platform offering installment financing at checkout and via direct lending. Directly comparable to Cuper in target customer (underbanked Mexican consumers), product structure (interest-free installments), and revenue model (commissions and fees).
• Aplazo: Mexican BNPL startup providing interest-free installment payments at online and offline checkout. Closely comparable to Cuper in BNPL mechanics, target segment, and Mexican market focus, though Aplazo serves broader retail verticals while Cuper is healthcare-vertical.
• Nelo: Mexican BNPL fintech (acquired by Uber Mexico) offering installment payments at checkout with similar A2A-style debit card collection. Comparable in payment rail and Mexican BNPL mechanics, though distributed through Uber's ride and delivery ecosystem rather than healthcare.
• Addi: LATAM BNPL platform (Colombia-founded, expanding across the region) offering interest-free installments at checkout. Comparable in business model, underbanked customer focus, and A2A payment mechanics, though Addi operates across general retail rather than verticalized healthcare.

Emerging players

• Sunbit: US-based BNPL platform focused on healthcare, automotive, and home services verticals. Closest international analog to Cuper's vertical BNPL model in healthcare, useful as a comparable for vertical BNPL unit economics and underwriting design.
• Konfío: Mexican fintech providing credit and financial services to SMBs including healthcare practices. Comparable as a Mexican fintech leveraging bureau data for underwriting, though Konfío serves the provider side (B2B lending) rather than patient-side BNPL.

Broad incumbents

• CareCredit: Synchrony Financial-owned healthcare financing credit card accepted at a wide network of US providers. Larger, more established incumbent in healthcare consumer financing with similar end-customer pain point (out-of-pocket medical costs) but different delivery mechanism (revolving credit card vs. A2A installments).
• Klarna: Global BNPL leader offering pay-in-installments at checkout across thousands of merchants. Comparable in installment BNPL mechanics and consumer-friendly positioning, though Klarna is a horizontal general-retail platform rather than healthcare-verticalized.
• Mercado Pago: LATAM payments and credit giant from Mercado Libre, offering installment financing (Meses sin intereses) to millions of Mexican consumers. Represents the dominant incumbent that Cuper must contend with; its scale, brand, and existing merchant relationships are a structural competitive threat.

Regional players

• Clip: Mexican payments processor offering card acceptance and working capital products to SMBs across Mexico. Comparable as a Mexican payments fintech with strong merchant distribution; potential partner or competitor depending on whether Clip extends into verticalized SMB financing for healthcare providers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/CuperPayMX
• LinkedInlinkedin.com/company/cuperpay
• Instagraminstagram.com/cupermx/?hl=en
• Xx.com/cuper68351653

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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 Cuper