Your global payment infrastructure

Take your payments to the next level with one simple connection. Pay seamlessly to +140 markets, access competitive FX rates and much more


We give banks, fintechs and digital businesses access to best-in-class cross-border payment capabilities through a simple and secure API

Fast cross-border payouts

Fast, convenient, and traceable payments worldwide to meet your business needs

Optimised network & infrastructure

No endless intermediaries. No unexpected charges. A broad and efficient network for you to offer the best cross-border service to clients

Competitive FX

Keep your costs and margins under control with our ability to access wholesale FX rates

Payouts to the world

Payout to +140 markets seamlessly. No need to manage multiple correspondent banks or PSPs. PagoNxt provides you with direct access to a global network & infrastructure through one single connection. 3 rd and 4th party payments enabled

Competitive FX Rates

Access transparent and competitive FX rates, by leveraging our relationship with key local FX market makers. If you actively manage your treasury & FX needs or send payments with embedded FX, we can help you optimize your operating model

*All prices and implicit FX are illustrative and do not
reflect actual commercial pricing

Virtual accounts

Discover the power of virtual accounts to reconcile your pay-in and pay-out transactions. Receive flows 100% reconciled or easily identify any payout returns. With PagoNxt, you can open and manage virtual accounts real time and forget about the reconciliation hassle

Powerful APIs

Our APIs are fully scalable and modular to ensure they support your payment, FX, and reporting needs. Built by developers for developers, our API documentation and tech team will guide you all the way

Cross-border payments
Local accounts
Reporting & tools

Ops excellence

Our processes are designed with our customers at the heart. But payments are not always straightforward... that’s why we have dedicated support teams to deal with the unexpected

We are a Santander Company

PagoNxt is a Santander Global Business bringing together the most innovative and disruptive payments businesses of Banco Santander. We are an independent company, authorised as an Electronic Money Institution, and we leverage on Santander's banks strengths to accelerate our mission.

“Companies really need fast, convenient, simple and competitive international payments, and that's precisely what we are building”

Ana Botín, Chairman PagoNxt  &  Executive Chair Santander