Comparaya

What Comparaya does

Comparaya (legal entity: TRIGARANTE, Agente de Seguros y de Fianzas, S.A. de C.V., doing business as Comparaya.mx S.A. de C.V.) is a Mexican digital financial product comparator founded in 2020 and headquartered in Mexico City (address: Francisco Tamagno 223, Vallejo, Gustavo A. Madero). The firm operates two core products through a single self-serve web platform: a Comparador de Seguros de Autos that lets users search, quote, compare, and contract auto insurance with over 20 partner carriers (including Qualitas, GNP, AXA, Banorte, Zurich, Inbursa, HDI, Mapfre, Chubb, and Migo), and a Comparador de Tarjetas de Crédito that compares offerings from major Mexican and global banks (BBVA, Santander, CitiBanamex, Scotiabank, HSBC, American Express, Banorte, Banregio, and RappiCard) and matches users to cards based on stated income, credit history, and demographics. The platform is built around a web-based filtering and matching engine that takes a small set of user inputs (vehicle details for insurance, age/income/history for credit cards) and returns matched partner results within 30 seconds, with dedicated human advisors available for higher-funnel assistance.

Comparaya monetizes exclusively on a free-to-consumer, affiliate/referral basis: it earns commissions from insurance carriers for each policy intermediated under its Agente de Seguros y de Fianzas license, and referral or approval fees from issuing banks for each successfully originated credit card application. There is no premium pricing tier, no mobile application, and no disclosed SaaS or subscription line. The company is privately held with no disclosed funding rounds, operates with a headcount of 11-50, and is geographically confined to Mexico. Distribution is product-led: SEO-optimized editorial content, paid search (UTM-tagged Google Ads), and display banners drive traffic to the web funnel where users self-serve the comparator and either contract a policy or are routed to a bank application. The platform reports a 4.9/5.0 satisfaction score across 55 reviews and has been active since at least 2020 (copyright references to 2022 and 2025).

Name

Comparaya

Legal name

TRIGARANTE, AGENTE DE SEGUROS Y DE FIANZAS, S.A. DE C.V.

Website

https://comparaya.mx

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

Comparaya is a Mexican digital comparator that lets individual consumers compare, quote, and contract auto insurance from 20+ carriers and credit cards from major Mexican banks through a self-serve web platform that matches them to products within 30 seconds, monetizing via affiliate referral commissions.

Ownership category

akta.pro rank

Product category

Financial Product Comparison Platform

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Digital Distribution & Comparison Platforms (Aggregators/Marketplaces) (FSAGAGAA)

akta.pro secondary industry

Insurtech-Enabled Brokerage (Digital Brokers & Aggregators) (FSAEADAN)

Keywords

• Auto insurance comparison
• Credit card comparison
• Insurance intermediary
• Financial product aggregator
• Insurance marketplace Mexico

Headquarters

HQ city

Querétaro

HQ country

Mexico

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Digital Commerce or Content

Cost components

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

Revenue model

1. Insurance intermediation commissions: Comparaya acts as an insurance and bonds intermediary (Agente de Seguros y de Fianzas). The company earns commissions from insurance companies for policies contracted through the platform. This is confirmed in the privacy notice which lists 'Intermediación de seguros y de fianzas' as a primary purpose and confirms data sharing with insurance sector organizations for policy contracting.
2. Credit card referral fees: Comparaya drives credit card applications to partner banks and earns referral fees or commissions for each successfully approved credit card, evidenced by the extensive credit card comparison section with multiple partner financial institutions.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Comparaya operates a self-serve digital comparison platform that aggregates auto insurance policies from 20+ Mexican insurers (Qualitas, GNP, AXA, Banorte, Zurich, Inbursa, HDI, Mapfre, Chubb, etc.) and credit cards from major Mexican banks (BBVA, Santander, CitiBanamex, HSBC, Scotiabank, American Express, etc.). Users enter profile data and receive personalized matched quotes and recommendations within 30 seconds, with direct online contracting of insurance policies and credit card applications supported on the platform under a registered insurance agent license (Agente de Seguros y de Fianzas).

Product overview

Comparaya operates as a financial product comparison platform consisting of two core products: the Comparador de Seguros de Autos (Auto Insurance Comparison Tool) and the Comparador de Tarjetas de Crédito (Credit Card Comparison Tool). Both products function as intermediary platforms that collect user data (vehicle details for auto insurance; credit history, income, and demographics for credit cards) and return personalized quotes from partnered financial institutions within seconds. Users can search, quote, compare, and contract products directly through the platform with personalized advisory support.

Differentiator

Problem solved

Functional benefit

Products and services

• Comparador de Seguros de Autos (Auto Insurance Comparison Tool) Online self-serve comparison platform that lets Mexican consumers search, quote, compare, and contract auto insurance policies from partnered insurers within 30 seconds. The tool collects vehicle and driver data (such as vehicle details, age, and postal code) to match user profiles with suitable coverage options such as Amplia Plus, Amplia, Limitada, and Responsabilidad Civil, and supports direct online contracting backed by registered insurance-agent licensing and assigned advisors.
• Comparador de Tarjetas de Crédito (Credit Card Comparison Tool) Online self-serve comparison platform that enables Mexican consumers to compare credit card offerings from multiple banks and financial institutions (BBVA, Santander, CitiBanamex, HSBC, Scotiabank, American Express, Banregio, RappiCard, etc.). The tool collects credit history, income, and birthdate to match users to cards they are likely to qualify for, displays CAT (Costo Anual Total) and interest rates, and supports direct online applications with personalized advisor assistance.

Quantifiable outcome

• Results delivered in 30 seconds
• +2 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

19 partnerships are on record, tiered core and minor.

• QualitascoreChannel Partner/ Reseller/ DistributorQualitas is one of the most prominent auto insurers in Mexico. Comparaya features Qualitas prominently on its insurance comparison platform, offering customers the ability to quote and contract Qualitas policies directly through the platform. Qualitas is listed as one of the first insurers in the comparison tool.
• GNP SeguroscoreChannel Partner/ Reseller/ DistributorGNP Seguros (Grupo Nacional Provincial) is a major Mexican insurance company featured on Comparaya's platform. The partnership allows GNP's auto insurance products to be quoted and compared alongside other insurers through the Comparaya comparison engine.
• AXA SeguroscoreChannel Partner/ Reseller/ DistributorAXA is a global insurance group operating in Mexico with auto insurance products featured on Comparaya's comparison platform, enabling customers to quote and compare AXA policies alongside other providers.
• Banorte SeguroscoreChannel Partner/ Reseller/ DistributorBanorte's auto insurance products are featured on Comparaya's platform, allowing customers to compare Banorte offerings with other insurers. Banorte is one of Mexico's largest banking groups.
• Zurich SeguroscoreChannel Partner/ Reseller/ DistributorZurich is a leading global insurance group with operations in Mexico. Its auto insurance products are featured on Comparaya's platform for comparison and contracting.
• Inbursa SeguroscoreChannel Partner/ Reseller/ DistributorInbursa, the banking and insurance group of Grupo Salinas, is featured on Comparaya's platform with auto insurance comparison options.
• HDI SeguroscoreChannel Partner/ Reseller/ DistributorHDI Seguros is a Mexican insurer offering auto insurance products that are available for comparison on Comparaya's platform.
• Migo SeguroscoreChannel Partner/ Reseller/ DistributorMigo Seguros is described by Comparaya as a disruptive new entrant in the Mexican auto insurance market offering high-quality coverage at competitive prices. The platform promotes Migo with up to 40% discounts and emphasizes its partnership as a way to offer customers affordable, quality protection. Migo covers 19 different protection modes including 0% deductible on total theft/loss.
• MapfrecoreChannel Partner/ Reseller/ DistributorMapfre is a global insurance company operating in Mexico with auto insurance products available for comparison on Comparaya.
• Chubb SeguroscoreChannel Partner/ Reseller/ DistributorChubb is a global insurance group featured on Comparaya's auto insurance comparison platform.
• CitiBanamexcoreChannel Partner/ Reseller/ DistributorCitiBanamex (Banco Nacional de México) is one of Mexico's largest banks. Comparaya features CitiBanamex credit cards on its comparison platform, including articles about Bancanet electronic banking services. The bank offers credit cards with varying annual fees, CAT rates, and benefits.
• ScotiabankcoreChannel Partner/ Reseller/ DistributorScotiabank (Bank of Nova Scotia) is a major international bank operating in Mexico. Comparaya features Scotiabank credit cards including options for first-time applicants, travelers, and premium cardholders. Cards include Scotia Basic, Scotia Linio, Scotia Travel, and Scotia Travel Platinum with benefits like welcome bonuses, months without interest, and reward points.
• SantandercoreChannel Partner/ Reseller/ DistributorSantander is one of Mexico's largest banking groups (with origins dating to 1864). Comparaya features over 32 Santander credit card options on its platform including Santander Free, Santander Aeroméxico, Santander Light, and Santander Fiesta Rewards, covering annual fees from $0 to $5,000 MXN and interest rates from 32.32% to 58.32% APR.
• American ExpresscoreChannel Partner/ Reseller/ DistributorAmerican Express credit cards are featured on Comparaya's platform including American Express Gold Elite and Platinum cards with their respective benefits and reward programs.
• HSBCcoreChannel Partner/ Reseller/ DistributorHSBC is a major international bank operating in Mexico. Comparaya features HSBC credit cards on its platform with options for different income levels and customer profiles.
• BBVA BancomercoreChannel Partner/ Reseller/ DistributorBBVA Bancomer is one of Mexico's largest banks. Comparaya features BBVA credit cards on its platform with various options including Mi Primera Tarjeta BBVA (CAT 92.5%, $0 annual fee) and Tarjeta Azul BBVA.
• BanregiominorChannel Partner/ Reseller/ DistributorBanregio is featured on Comparaya's platform with the Tarjeta Hey targeting first-time credit card applicants (CAT 44.8%, $0 annual fee). Banregio requires higher minimum income ($15,000 for Classic card).
• RappiCardminorChannel Partner/ Reseller/ DistributorRappiCard is a digital-first credit card featured on Comparaya's platform. It is positioned as Mexico's most secure credit card with no physical data printed on the card, dynamic CVV, and a dedicated app for management. Benefits include 5% cashback, no annual fee, and up to 18 months without interest.
• TRIGARANTE, Agente de Seguros y de FianzascoreOthersTRIGARANTE, AGENTE DE SEGUROS Y DE FIANZAS, S.A. DE C.V. is the legal entity operating under the commercial name Comparaya.mx S.A. de C.V. This is the parent company providing the insurance intermediation license and corporate identity. The company is registered as an insurance and bonds agent under Mexican law.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Policygenius: US-based digital insurance comparison platform covering auto, life, and home insurance; closest large-scale analog to Comparaya's model of multi-carrier aggregation with self-serve online contracting.
• BankBazaar: India's leading financial product comparison marketplace (credit cards, loans, insurance); closely mirrors Comparaya's dual insurance + credit card vertical with bank referral commission model.
• GoCompare: UK-based multi-product comparison platform (insurance, financial services); a mature analog of Comparaya's aggregator business model with similar commission-driven economics.
• Selectra: International comparison platform (Europe + LATAM) active in Mexico for utilities, telecom, and financial products; overlaps with Comparaya on consumer-facing digital comparison of financial services and credit products.
• Rastreator.mx: Spanish-origin insurance and financial product comparison platform operating in Mexico; directly competes with Comparaya in auto insurance aggregation with similar insurer partnerships and self-serve comparison UX.
• Comparabien (Mexico): Latin American financial product comparison platform (also Peru/Chile); competes head-to-head with Comparaya in auto insurance and credit card comparison in Mexico with multi-carrier quotation functionality.

Emerging players

• Creditas: Latin American fintech operating in Mexico with consumer lending and credit comparison features; adjacent competitor as it builds consumer financial product discovery experiences.
• Tarjetitas.mx: Mexico-focused credit card comparison site; directly competes with Comparaya's credit card vertical by aggregating Mexican bank card offers and matching users to products.

Broad incumbents

• Nu Mexico (Nubank): Large Mexican digital bank with credit card and increasingly insurance products; competes with Comparaya at the consumer end as a vertically integrated financial product provider that could disintermediate aggregators.

Regional players

• Helibank: Mexican financial comparison site focused on banking products and credit cards; competes with Comparaya's credit card vertical with similar lead-generation affiliate model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/Comparaya_mx
• Facebookfacebook.com/comparaya.mx
• LinkedInlinkedin.com/company/comparaya-mx

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Comparaya