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YaYa

Full company profile

uuid00476w6

Namestring
YaYa
Websiteurl
miyaya.com.co
Company typeenum
Private
Founded yearint
2024
Operating statusenum
Operating
Ownership categoryenum
Headcount rangeband
1–10
akta.pro rankint
HeadquartersBogotá, Colombia
HQ citystring
Bogotá
HQ countrystring
Colombia
HQ regionstring
Latin America
Markets served

Serves global market

Keyword5 values
buy now pay later, mobile payments, installment financing, merchant payments, consumer lending
Industry4 codes
PRIMARYBPAMAFAG
Buy Now, Pay Later (BNPL) Platforms
Business & Public Services/Web, Mobile & Digital Platforms/Payments, Wallets & Digital Banking Platforms
SECONDARYFSAKACAB
In-Store / In-Person BNPL (POS)
Financial & Insurance/Lending & Consumer Finance/Buy Now, Pay Later (BNPL)
SECONDARYFSAKACAA
Merchant-Integrated BNPL (Online Checkout)
Financial & Insurance/Lending & Consumer Finance/Buy Now, Pay Later (BNPL)
SECONDARYFSAGAIAF
BNPL Merchant Enablement (Plugins, Gateways, Reconciliation)
Financial & Insurance/Financial Technology (Fintech)/BNPL & Point-of-Sale Financing Platforms
NAICS code1 code
  • Sales Financing52222
SIC code1 code
  • Finance Services6199
Product category
Buy Now Pay Later (BNPL) / Consumer Lending
GTM motion3 records

Each record includes

Type, Description, Source

Revenue model1 record
1BNPL Transaction Fees
TypeTransaction Fee
Description

Revenue generated from transaction fees charged to merchants when consumers use the Mi YaYa BNPL service for purchases. The platform enables interest-free installment payments collected biweekly.

miyaya.com.co
Marketing channels3 records

Each record includes

Title, Type, Stage, Description, Source

Distribution channels1 record

Each record includes

Title, Type, Scope, Target buyer, Description, Source

Cost components4 values
Technology or R&D, Personnel, Marketing or Sales, Operations
GTM typeB2B and B2C
B2B and B2C
Offering typeSoftware
Software
Core offering1 text field

YaYa operates a mobile Buy Now Pay Later (BNPL) platform branded Mi YaYa, allowing individual consumers to purchase goods and services and pay for them in biweekly (quincenal) installments without interest. The platform also provides merchants with an integrated BNPL payment option to increase sales conversion and average order value.

Differentiator
Functional benefit
Problem solved
Product overview1 text field

Mi YaYa is a buy-now-pay-later (BNPL) fintech platform that operates as a unified product with two primary user-facing modules: Personas (for individual consumers) and Comercios (for merchants). The platform enables users to purchase goods and services and pay in biweekly installments without interest. An additional Directorio feature provides a directory of affiliated merchants. The ecosystem is accessible via a mobile application available on Google Play and supports customer communication through WhatsApp.

Product and service1 record
1Mi YaYa - Personas
Recent move4 records

Each record includes

Date, Type, Title, Description, Source

Expansion highlight4 records

Each record includes

Type, Description

Peers10 records
1Nelo
TypeDirect peer
Description

BNPL platform active across Mexico, Brazil, and Colombia, providing interest-free installment financing to consumers at checkout — closely comparable to YaYa in product, geography, and customer segment.

2ZippiPay
TypeDirect peer
Description

Brazilian BNPL provider focused on installment payments for consumers and merchant acquisition — a regional BNPL peer comparable to YaYa in business model and LATAM market context.

3Afterpay (Block)
TypeBroad incumbent
Description

Global pay-in-4 BNPL service owned by Block, integrated into large merchant ecosystems — comparable as a BNPL incumbent whose model YaYa is replicating at a local LATAM level.

4Affirm
TypeBroad incumbent
Description

US-listed BNPL platform providing installment lending at online and point-of-sale checkout — comparable to YaYa in core product (interest-bearing and interest-free installments) and merchant integration model.

5Kueski
TypeDirect peer
Description

Mexico's leading online BNPL and consumer credit platform, offering installment loans at checkout — comparable to YaYa as a digital-first BNPL serving everyday consumers and merchants.

6Aplazo
TypeDirect peer
Description

Mexico-based BNPL fintech offering interest-free installment payments online and in physical stores, targeting both consumers and merchants — directly comparable in BNPL mechanics and merchant-enablement focus.

7Addi
TypeDirect peer
Description

LATAM-based BNPL provider operating in Colombia and Brazil, offering installment payments at the point of sale through merchant integrations — the closest direct competitor to YaYa's consumer/merchant BNPL model.

8Provu
TypeRegional player
Description

Brazilian BNPL/point-of-sale credit fintech serving merchants and consumers with installment financing — relevant regional BNPL peer offering a comparable product framework in a neighboring LATAM market.

9Klarna
TypeBroad incumbent
Description

Global BNPL incumbent operating across dozens of markets with merchant-integrated pay-in-installments offerings — relevant as a broad industry benchmark for BNPL mechanics, even if not directly competing in Colombia today.

10Sezzle
TypeBroad incumbent
Description

US-based interest-free BNPL provider offering pay-in-four and longer-duration installment products through merchant integrations — directly comparable on the interest-free BNPL mechanic YaYa emphasizes.

Market position
Strengths4 records

Each record includes

Headline, Details, Source

Weaknesses4 records

Each record includes

Headline, Details, Source

Competitive moat3 records

Each record includes

Type, Details

Key risks5 records

Each record includes

Headline, Details, Source

Key highlights5 records

Each record includes

Headline, Details, Source

Customer concentration

Classification, Details

Segment2 records

Each record includes

Title, Type, Primary, Description, Pain point addressed, Use case, Source

Ideal customer profile2 records

Each record includes

Profile, Firmographic size, Sales motion, Sales cycle length, Buying structure, Purchase trigger, Buyer persona, Geography, Industry vertical, Primary use case, Description, Pain points, Evidence proof points, Target buyer

Technology focused
Yes
API detail
Has APIbool
No

Docs URL, Description

AI maturity
App detail

Has app

Feature1 record

Each record includes

Title, Differentiator, Description, Source

Core technology
Revenue estimate
Valuation estimate
Number of profiles
Profiles1 record

Each record includes

Name, Designation, Designation category, Overview, Profile commentary, Source

No data
No data
Funding overview

Funding stage, Last funding date, Total funding USD

Funding rounds1 record

Each record includes

Round, Amount USD, Date, Pre money valuation, Total investors, Investors, News

Investors1 record

Each record includes

Name, Type, Date of entry, Rounds participated, Website

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

M&A

Each record includes

Name, Acquisition type, Announced date, Completed date, Status, Website, News

Investment

Each record includes

Name, Round, Announced date, Lead investor, Website, News

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

YaYa

Buy Now Pay Later (BNPL) / Consumer Lendingmiyaya.com.co

YaYa firmographics

Firmographics
Name
YaYa
Website
https://miyaya.com.co
Company type
Private
Founded year
2024
Operating status
Operating
Headcount range
1–10 employees
Ownership category
akta.pro rank

YaYa industry classification

Industry
Product category
Buy Now Pay Later (BNPL) / Consumer Lending
NAICS
Sales Financing (52222)
SIC
Finance Services (6199)
akta.pro industry
PRIMARYBPAMAFAG
Buy Now, Pay Later (BNPL) Platforms
Business & Public Services/Web, Mobile & Digital Platforms/Payments, Wallets & Digital Banking Platforms
SECONDARYFSAKACAB
In-Store / In-Person BNPL (POS)
Financial & Insurance/Lending & Consumer Finance/Buy Now, Pay Later (BNPL)
SECONDARYFSAKACAA
Merchant-Integrated BNPL (Online Checkout)
Financial & Insurance/Lending & Consumer Finance/Buy Now, Pay Later (BNPL)
SECONDARYFSAGAIAF
BNPL Merchant Enablement (Plugins, Gateways, Reconciliation)
Financial & Insurance/Financial Technology (Fintech)/BNPL & Point-of-Sale Financing Platforms

Keywords

  • Buy now pay later
  • Mobile payments
  • Installment financing
  • Merchant payments
  • Consumer lending

Where YaYa is headquartered

Location

Headquarters

HQ city
Bogotá
HQ country
Colombia
HQ region
Latin America

Markets served

YaYa business model

Business model
GTM type
B2B and B2C
Offering type
Software
Cost components
Technology or R&D, Personnel, Marketing or Sales, Operations

Revenue model

  1. BNPL Transaction Fees: Revenue generated from transaction fees charged to merchants when consumers use the Mi YaYa BNPL service for purchases. The platform enables interest-free installment payments collected biweekly.

Go-to-market motion3 records

Distribution channels1 record

Marketing channels3 records

YaYa product offering

Product offering

Core offering

YaYa operates a mobile Buy Now Pay Later (BNPL) platform branded Mi YaYa, allowing individual consumers to purchase goods and services and pay for them in biweekly (quincenal) installments without interest. The platform also provides merchants with an integrated BNPL payment option to increase sales conversion and average order value.

Product overview

Mi YaYa is a buy-now-pay-later (BNPL) fintech platform that operates as a unified product with two primary user-facing modules: Personas (for individual consumers) and Comercios (for merchants). The platform enables users to purchase goods and services and pay in biweekly installments without interest. An additional Directorio feature provides a directory of affiliated merchants. The ecosystem is accessible via a mobile application available on Google Play and supports customer communication through WhatsApp.

Differentiator

Problem solved

Functional benefit

Products and services

  • Mi YaYa - Personas

Companies that use YaYa

Customer profile

Segments2 records

Ideal customer profiles2 records

YaYa technology and API

Technology

Technology focussed Yes

API detail

Has API
No
API docs
API detail

Core technology

AI maturity

App detail

Feature1 record

YaYa partnerships and signals

Strategic signal

Recent moves4 records

Expansion highlights4 records

YaYa competitors and assessment

Company assessment

Direct peers

  • Nelo: BNPL platform active across Mexico, Brazil, and Colombia, providing interest-free installment financing to consumers at checkout — closely comparable to YaYa in product, geography, and customer segment.
  • ZippiPay: Brazilian BNPL provider focused on installment payments for consumers and merchant acquisition — a regional BNPL peer comparable to YaYa in business model and LATAM market context.
  • Kueski: Mexico's leading online BNPL and consumer credit platform, offering installment loans at checkout — comparable to YaYa as a digital-first BNPL serving everyday consumers and merchants.
  • Aplazo: Mexico-based BNPL fintech offering interest-free installment payments online and in physical stores, targeting both consumers and merchants — directly comparable in BNPL mechanics and merchant-enablement focus.
  • Addi: LATAM-based BNPL provider operating in Colombia and Brazil, offering installment payments at the point of sale through merchant integrations — the closest direct competitor to YaYa's consumer/merchant BNPL model.

Broad incumbents

  • Afterpay (Block): Global pay-in-4 BNPL service owned by Block, integrated into large merchant ecosystems — comparable as a BNPL incumbent whose model YaYa is replicating at a local LATAM level.
  • Affirm: US-listed BNPL platform providing installment lending at online and point-of-sale checkout — comparable to YaYa in core product (interest-bearing and interest-free installments) and merchant integration model.
  • Klarna: Global BNPL incumbent operating across dozens of markets with merchant-integrated pay-in-installments offerings — relevant as a broad industry benchmark for BNPL mechanics, even if not directly competing in Colombia today.
  • Sezzle: US-based interest-free BNPL provider offering pay-in-four and longer-duration installment products through merchant integrations — directly comparable on the interest-free BNPL mechanic YaYa emphasizes.

Regional players

  • Provu: Brazilian BNPL/point-of-sale credit fintech serving merchants and consumers with installment financing — relevant regional BNPL peer offering a comparable product framework in a neighboring LATAM market.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

YaYa social profiles

Digital presence

YaYa financial estimates

Financial estimate

Revenue estimate

Valuation estimate

YaYa leadership team

Management profile

Number of profiles

Profiles1 record

YaYa funding detail

Funding detail

Funding overview

Funding rounds1 record

Investors1 record

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

YaYa M&A and investment

M&A and investment

M&A

Investments

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

Frequently asked questions about YaYa

What does YaYa do?

YaYa operates a mobile Buy Now Pay Later (BNPL) platform branded Mi YaYa, allowing individual consumers to purchase goods and services and pay for them in biweekly (quincenal) installments without interest. The platform also provides merchants with an integrated BNPL payment option to increase sales conversion and average order value.

When was YaYa founded?

YaYa was founded in 2024. It employs 1 to 10 people.

Where is YaYa based?

YaYa is headquartered in Bogotá, Colombia, in the Latin America region.

How does YaYa make money?

One revenue line is on record: BNPL Transaction Fees.

Who are YaYa's main competitors?

Direct peers on record are Nelo, ZippiPay, Kueski, Aplazo and Addi. Broad incumbents are Afterpay (Block), Affirm, Klarna and Sezzle. Provu is listed as a regional player.

Does YaYa have an API?

No public API is recorded for YaYa.

What industry is YaYa in?

YaYa's product category is Buy Now Pay Later (BNPL) / Consumer Lending. Its primary akta.pro industry code is BPAMAFAG, Buy Now, Pay Later (BNPL) Platforms, with a secondary code of FSAKACAB, In-Store / In-Person BNPL (POS). Its NAICS code is 52222 and its SIC code is 6199.

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