Your crossborder payment solution

Our mission is to help your business thrive without borders. Fast international payments, FX solutions, global collections, all through a single platform


We enable businesses to pay and get paid in key regions and optimize their FX

Local collections in key regions

Receive local collections in Euro, expanding to UK and key countries in Latin America

Accounts in multiple currencies

Open accounts in all major currencies and easily move funds between accounts

Fast payments, locally & globally

Pay in EU locally and up to +140 countries globally. Fast and convenient payments to key regions

Competitive &
transparent FX

View all costs, including the FX rate before committing to any transaction. No hidden fees in our prices

Make global collections easier with accounts in multiple currencies

Access local collections and accounts in EUR, USD, GBP and key currencies in Latam. Create accounts in up to 20 currencies allowing your customers to pay you in their preferred currency

Send international payments in major global currencies

Send money to +140 markets in +20 currencies with transparent fees, quote exchange rates in real time when making payments and access instant payments in key corridors

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

Organize your transactions with virtual accounts

Organize your collections creating addressable virtual accounts and create virtual accounts by categories – accounts hierarchy to ease you reconciliation

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Automate your multicurrency payments with our set of APIs

Integrate transactional FX in your payment process, trigger and track high volume of payments from a single API call and developer-centric APIs

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PagoNxt payments network

Cross border payments are now fast and simple

Same day payments

A growing set of corridors with same day transfers to far away geographies

Reduced intermediaries

PagoNxt payment rails minimize intermediaries, leading to competitive pricing

Payment tracking

For certain payments, know exactly where your international payments are at any moment in time

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Latin America payment capabilities

We are all about cross border payments in Latin America

Thanks to Grupo Santander's footprint we are creating a top class payments infrastructure to connect Latin America to the world. With PagoNxt, paying to or getting paid from Latin America will never be a challenge anymore

Instant payments

Instant and same day payments to and from Latin American (starting with Brazil)

Single platform

All your Latin American payments and collections capabilities to key countries under a single platform

Latam FX

Highly competitive FX rates for Latin American currencies, leveraging Santander liquidity

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A simple and robust solution to move money globally

Bank-backed compliance

Strong risk and compliance model designed by banking experts

Robust APIs

A set of APIs to easily integrate PagoNxt payments, FX and account capabilities - coming soon

Safeguarded funds

Your funds are safeguarded at segregated Santander bank accounts and other top banks

Personal support

A customer service that you can reach to and get answers from fast, always with a personal touch

We are a Santander Company

PagoNxt is a Santander Global Business bringings together the most innovative anddisruptive 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