Fintech infrastructure providers in Spain

Belvo (Spanish-founded, 2019) - open finance / open banking APIs (account aggregation, payment initiation); now primarily focused on Latin America (payment-institution authorisation in Mexico; also Brazil and Colombia).

Bizum (Bizum S.L., Madrid, Spain; est. 2016) - operator of Bizum, Spain's A2A real-time scheme; owned by Spanish banks, 30m+ users, rolling out to POS and e-commerce in 2026 as an alternative to Visa/Mastercard. EuroPA member. European scheme.

🏦 Local IBANs: ES

Cecabank (Madrid, Spain) - wholesale bank offering BaaS to FIs, fintechs and corporates: payments, securities services, treasury and digital solutions; a settlement/agency bank enabling fintech payments and IBANs.

Devengo (Madrid, Spain) - API for instant SEPA account-to-account payments (push/pull payouts, account verification) used for payroll and on-demand pay. Payment Institution (Bank of Spain). Register-sourced: Payment institution (PI), Bank of Spain, ref 6940; passported to 30 EEA states.

🏦 Local IBANs: ES GB BE

EMI FCA (Ebury Partners UK) + Ebury Partners Belgium (EEA) + Spain branch (Bank of Spain reg 6889); own-IBAN accounts; majority Santander.

EDICOM (Valencia, Spain) - EDI and global e-invoicing connecting ERPs with tax authorities in 80+ jurisdictions; issuance, validation and electronic archiving in line with local law. Spanish-HQ.

Embat (Madrid, Spain) - real-time treasury management: API-first bank connectivity, AI-powered reconciliation and cash forecasting; USD 16m Series A (2024). Spanish SaaS (unlicensed software).

Getnet Europe (Madrid/Munich; PagoNxt, a Banco Santander company) - Santander's global merchant-acquiring franchise launched in Europe in July 2021: gateway, risk management, processing and scheme connectivity for merchants in ~30 European countries, aligned with Santander's banking network (Spain, Portugal + LatAm heritage). Payment institution (Bank of Spain). NB: owned by Santander / PagoNxt - EU bank group.

Iberpay (Madrid, Spain) - operator of the Spanish national payment system (SNCE): clearing and settlement of credit transfers, instant payments, direct debits and cheques for the Spanish banking community; Spain runs at approx. 54% instant-transfer share vs approx. 16% EU average (726m SCT Inst, EUR 104bn in 2023); new Nextia platform and Request to Pay with CaixaBank. Financial market infrastructure overseen by Banco de Espana - the sovereign Spanish rail.

Inespay (Spain) - the leading payment-initiation (PISP) provider of Spain and Portugal: account-to-account bank-transfer payments (Transferencia Online) covering 99%+ of online-banking users across Iberia. Payment institution authorised by the Bank of Spain.

Kantox (Barcelona / London) - B2B FX and currency-management automation; acquired by BNP Paribas.

Lleida.net (Spain) - identity, e-signature and registered electronic notifications; a listed company (BME/Euronext). Software / trust services.

MONEI (Málaga, Spain) - payment gateway with 40+ local and alternative payment methods; took part in ECB digital-euro tests (2025). Payment Institution, Banco de España (no. 6911).

PAYCOMET (Barcelona/Madrid/Bilbao, Spain; ex-PayTPV) - Banco Sabadell's omnichannel payment platform for startups through large retail chains, online and in-store. Payment institution (Bank of Spain, 2017); acquired by Sabadell's InnoCells (2018). Nexi agreed to buy 80% for EUR 280m (Feb 2023), but the obligation lapsed during the BBVA-Sabadell takeover saga - remains Sabadell-owned (EU flag).

🏦 Local IBANs: ES

Pecunpay (Pecunia Cards EDE SL, Spain; est. 2015) - card issuing and BIN sponsorship; Visa/Mastercard and the first Spanish issuer of UnionPay cards. Spanish EMI (Banco de Espana). First EMI with direct access to the Spanish payment system (Iberpay) and its own IBAN codes.

Redsys (Spain; est. 2011) - Spain's interbank processor / switch, owned by Spanish banks (Santander, BBVA, CaixaBank, Sabadell and others); ~90% of Spanish e-commerce, 19.7bn+ transactions and EUR 505bn/yr. Supports cards and Bizum.

SeQura (Barcelona, Spain; founded 2014) - Spain's home-grown BNPL and flexible-payments leader: instalments and pay-later for e-commerce, 2m+ shoppers and 5,000+ merchants, approx. EUR 1bn transactions (2024); EUR 150m financing facility from Citi; Stripe partnership. Leads Spanish e-commerce BNPL alongside Aplazame, Klarna and Alma.

🏦 Local IBANs: ES

Unnax (Unnax Regulatory Services EDE SL, Spain) - triple AISP/PISP/EMI licence with Spanish IBANs; part of Powens. EMI, Bank of Spain (reg 6719).