PagoNxt is a payments technology company founded in 2020 to consolidate Banco Santander's most innovative payment assets under a single entity. Operating across Europe, Latin America, the United Kingdom, and the United States, it serves over 1.3 million merchants and 20,000 international corporates and SMEs, providing the infrastructure to manage, receive, and transfer money across borders.
The company is organised around three business verticals - Merchant Solutions, Trade Solutions, and Consumer Payments - and operates through a portfolio of brands that includes Getnet, Ebury, and PagoNxt Payments. Its solution suite spans Digital Payins, Global Payouts, FX Services, and a proprietary Payments Engine. Technically, PagoNxt's platform is built on a cloud-native, API-first architecture with ISO 20022 foundations, and it maintains the security and compliance standards expected of a major financial institution.
The engineering and product environment reflects a deliberate combination: the regulatory rigour and scale of a global bank alongside the development speed and iterative approach typical of fintech. Core technical domains include payments technology, cloud-native systems, API design, ISO 20022 standards, and security and compliance. The company draws on Santander's 160-year banking heritage while operating with a stated goal of becoming the global leader in payments.