Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 2 companies across 1 category.
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Founded in 2020 as an omnichannel BNPL platform built specifically for Mexico's largely cash-and-underbanked retail market, where 95% of purchases happen offline and most consumers lack credit cards. Aplazo issues a virtual card that lets users pay in five fixed installments at both online and offline merchants, positioning BNPL as a first formal credit product (70–80% of new users get their first credit through Aplazo) rather than a Klarna-style discretionary spending tool. The company is gradually moving from single-product BNPL toward a broader financial-access platform for Mexican consumers.
Other Lending providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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alt="Ranked #74 of 255 in Lending — Embedded Finance Index 2026">
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<img src="https://www.embeddedfinanceindex.com/api/badge/aplazo/install" width="1" height="1" alt="" style="display:none">2 companies are linked to APLAZO in the Embedded Finance Index 2026, through their own public disclosures or APLAZO's published customer list, including Ebanx and Payrails.
APLAZO is an embedded-finance provider in Lending. It ranks #74 of 255 Lending providers by linked companies.
The most-named Lending alternatives to APLAZO are Affirm (65 buyers), Klarna (55 buyers), YouLend (46 buyers), Mambu (36 buyers), Stripe Capital (33 buyers) and Wisetack (27 buyers).
APLAZO was founded by Angel Peña and Alex Wieland and is founded in 2020, headquartered in Mexico City, Mexico.
APLAZO has raised $100M+ equity, $125M+ debt in total.
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