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At PagoNxt Payments, we believe in payments made easy — because when payments are simple, innovation becomes easier too.

Real-time is redefining the language of money. Through PagoNxt’s Payment Engine, Santander is shaping how it’s spoken — with instant, secure, and global payments that move at the speed of life.

Paying suppliers worldwide should be effortless. Yet for more than a decade, Gesban — Santander’s backbone for supplier invoice payments — faced a different reality: every cross-currency transaction meant approvals, manual checks, and reconciliations that took around 15 minutes per operation.

Sending money without routingcontrol is like rolling the dice with every transaction. Sometimes you win,sometimes you don’t. That is, until now.

Technology decisions made with anabundance of caution can seem sensible. But in reality always making the safechoice - the option you're already familiar with - can limit growth. What isknown and seems comforting today can quietly constrain future possibilities.

Understanding the next evolution in payments

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

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.