Just payments.
Made easy

Meet the paytech that helps you grow faster

End-to-end payment solutions for Banks, NBFIS, and global Businesses

The most innovative companies trust in Pagonxt Payments

$ € £ ¥
Why choose PagoNxt Payments
1/3

Millions of satisfied customers

PagoNxt Payments benefits from the stability and trust inherent in serving a major global bank with over 160 years of experience. Our experience and reliability provide you with the confidence of partnering with an industry leader.

Transaction completed
Order #98788
Why choose PagoNxt Payments
2/3

The best of both worlds: agility and security

As a specialized paytech, we combine the agility of a fintech with the security of a bank. Our expertise in payment solutions allows us to offer fast, reliable, and secure transactions, tailored to meet the unique needs of your business.

Why choose PagoNxt Payments
3/3

Cost-efficient and transparent solutions

Our payment solutions are designed to be highly cost-efficient, lower than traditional payment systems without compromising on quality or reliability. Transparent and traceable transactions, ensuring best value with the highest standards.

$ € £ ¥
Why choose PagoNxt Payments
1/3

Millions of satisfied customers

PagoNxt Payments benefits from the stability and trust of serving a major global bank with over 160 years of experience. Our proven track record gives you the confidence of of a global partner.

Transaction completed
Order #98788
Why choose PagoNxt Payments
2/3

The best of both worlds: agility and security

As a specialized paytech, we combine the agility of a fintech with the security of a bank. Our expertise enables fast, reliable, and secure transactions, tailored to your business needs.

Why choose PagoNxt Payments
3/3

Cost-efficient and transparent solutions

Our payment solutions are designed to be highly cost-efficient, outperforming traditional systems without compromising quality or reliability. We offer transparent, traceable transactions that deliver excellence value with the highest standards.

Forget payments.
Focus on growth

Turning payment challenges into businesses oportunities

Move fast

Guided onboarding and streamlined setup to help you accelerate your go-to-market

Scale smarter

Grow on a flexible, secure platform designed for long-term success and business resilience

Best support

Expert assistance and smart tools to keep you operating clearly and confidently

Adapt easily

Our future-ready API evolves with schemes and regulations — keeping you a step ahead

Instant Payments in Europe

Are you ready for Instant Payments?

New regulations for Instant Payments took effect across the EU and EEA on February 26, 2024.

Yet, according to latest research, only 5% of banks are fully prepared for SEPA Instant.

Real-time capabilities are now critical to stay competitive.

Don’t fall behind.

Get in touch

Welcome to the first episode of #PayTalks!

In 'Disruptions That Will Define the Sector in 2025', we explore the forces redefining the payments landscape in 2025: the rise of invisible, frictionless payments, the challenge of building digital trust, and the role of AI and cybersecurity.

Discover PayTalks

PagoNxt Payments Numbers

2B

Annual payments made with Payments Engine

99
.
9
%

Achieved uptime in SaaS services

+140

Currencies through
PaaS-based services

16

Schemes connected with Payments Engine

News & insights

Payments
Press
September 12, 2025

The A2A Payments Boom Prueba

Understanding the next evolution in payments

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News
Press
August 26, 2025

PagoNxt Payments connects to Fedwire for real-time USD settlement

PagoNxt Payments — the paytech business of Santander Group — has successfully connected its Payment Engine to Fedwire, the real-time gross settlement (RTGS) system operated by the U.S. Federal Reserve. This new rail enhances our global infrastructure and enables the real-time settlement of over $40

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Payments
Articles
July 22, 2025

Untangling payments: tracking incoming payments to the right customer account

What makes Digital Payins particularly powerful is the flexibility and simplicity of payment links. Often, beauty lies in simplicity. From the customer’s perspective, the ease is almost unrivalled.

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Industry
Articles
June 24, 2025

The advantage of Swift Service Bureau partnerships

Organisations working with modern Swift Service Bureau providers vastly reduce theirinfrastructure costs. But the real value is the speed, flexibility, and accessto innovations that would otherwise take years to develop.

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News
Case Study
June 24, 2025

PagoNxt Payments Powers UAX Group: Turning Payment Complexity into Simplicity for 30,000 Students

Managing payments for thousands of students —across multiple institutions, countries, and payer profiles… is no easy task. Just ask UAX Group, the prestigious educational group behind Universidad Alfonso X el Sabio, Claudio Galeno, Xtart, The Valley, and MirAsturias.

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News
Press
October 14, 2024

Innovation Excellence: PagoNxt Payments Receives Award from The Banker

PagoNxt Payments has achieved a significant milestone by receiving a prestigious award from The Banker for its outstanding innovation in payment solutions. This recognition highlights our dedication to advancing the payments landscape and meeting the dynamic needs of financial institutions globally.

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News
Articles
July 10, 2024

PagoNxt Payments: over 1 Billion transactions processed annually and set to double by Year-End

PagoNxt Payments, a company within the Santander Group, has achieved a major milestone with its innovative product, Payments Hub.

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People
Articles
February 29, 2024

18 Remarkable Women and their legacy in tech history

As we gear up to launch our #weareWow campaign from March 4th to 8th, we’re excited to spotlight the incredible achievements of women in the tech industry. Let’s celebrate them while recognizing the power of diversity and unity to drive innovation forward:

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News
Video
November 28, 2023

Payments Hub customer success story | Santander Consumer Investment Banking

Tech
Video
September 30, 2023

How will ChatGPT - 4 impact finance?

Explore the game-changing potential of ChatGPT-4 as it revolutionizes the finance industry. Delve into its power for Customer Support, enhancing Security in Online Transactions, and its predictive capabilities.

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Payments
Video
August 30, 2023

How will ChatGPT - 4 impact finance?

News
Press
April 26, 2023

Santander’s payment platform grows five times faster than the Group

El consejero delegado, Héctor Grisi, adelantó que el negocio de tarjetas y TPV creció un 38,8% durante el primer trimestre, frente al 7% del negocio total del banco. La división es rentable si no se consideran las inversiones.

Read More
Payments
Video
April 20, 2023

Cross border payments

Are you curious about how money REALLY crosses borders?

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Payments
Video
January 10, 2023

Cashless society: What is it and how did we get here?

The move towards a cashless society.

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Payments
Video
October 31, 2022

How to protect yourself from digital payment fraud

Cybersecurity awareness month is about to end.

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Payments
Video
October 27, 2022

What is (your) Digital Identity

Today, we’re tackling a new and vital topic as part of our video explainer series: What is (your) digital identity?

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Payments
Video
October 12, 2022

How payments work

💰 Historically, cash was the predominant mode of payment ✔️ Soon after, checks became a practical option for large ticket purchases, allowing shoppers to carry less cash

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Payments
Video
October 7, 2022

What SWIFT is and how it works

Given that Sibos, the global financial services networking event organized by SWIFT, is starting on Monday… we thought that everyone could get a reminder of what SWIFT really is.

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News
Press
June 24, 2022

Santander values PagoNxt’s payment businesses at 1.6billion euros

Los pagos en comercios, con Getnet como referencia, es la rama más valiosa con un precio en libros de 934 millones. La participación en Ebury, tasada en 394 millones, es otro activo clave.

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News
Video
January 15, 2022

Payments Hub customer success story | Santander Consumer Investment Banking

Santander Corporate & Investment Banking maneja más de 200.000 pagos al mes y hace tiempo que Claudio Sancho y Cristina Catalan buscaban un partner que les ayudara a adaptarse a los desafíos del mercado.

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