Cross-border payments platform regulated by the Bank of Spain

Beyond Payments

A single regulated infrastructure serving B2B, B2C and White-Label clients across 50+ countries, 30+ currencies and 10+ payment rails. Cloud native, API first, 24/7.

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50+

Countries

30+

Currencies

10+

Payment partners

T0/1

Settlement

One platform, three verticals

The same cloud-native API serves B2B (SOAPI), White-Label (PaaS), and B2C (XELA) — shared infrastructure, multiplied revenue.

Global Payments

Send money to 50+ countries with intelligent routing across multiple rails: SEPA, SWIFT, Visa Direct, Ripple XRP Ledger and Stellar.

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Global Collections

International collection with local payment methods, automatic reconciliation and real-time reporting via REST API.

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B2B Platform — SOAPI

Corporate payments natively embedded in SAP, Odoo, Holded and NetSuite. Supplier invoice settlement in local currency with full traceability.

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B2C Platform — XELA

Retail remittances from Spain to Latin America. Delivery via bank transfer, cash pickup or mobile wallet per corridor.

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Agent Platform

Comprehensive system with control panel, integrated KYC/AML management, automatic settlements and real-time analytics.

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White Label — PaaS

Launch your service under your brand with BdE EPE licence coverage, AML/KYC stack, payment rails and FX execution included. No own licence required.

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MiCA-regulated CASPs

Regulated fiat infrastructure for Crypto-Asset Service Providers authorised under MiCA. You manage the crypto layer, we manage the fiat layer under our BdE EPE licence.

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How it works

From onboarding to delivery in four automated steps — no manual intervention required

User / Company

Client onboards via app or API. Business or individual account with full document verification.

KYC/AML Verification

Automated real-time compliance screening. Identity check, sanctions screening, risk scoring — all within seconds.

Select Destination & Amount

Client selects destination country, currency, and amount. Live FX rate shown and guaranteed at point of instruction.

Money Reaches Its Destination

Funds delivered via PMI correspondent network. Bank transfer, cash pickup, or mobile wallet — per corridor.

Why choose PMI?

Regulatory compliance is not a feature — it is the foundation of the PMI Europe platform

Active BdE EPE Licence

Payment Institution authorised by the Bank of Spain. PSD2, SEPA and all EU payment services regulation compliant. EU passporting formally underway.

Cloud Native · API First

Event-driven architecture deployed on enterprise cloud with auto-scaling, geographic redundancy and 99.9% uptime SLA. Every function exposed via RESTful API.

AI-Powered KYC/AML

Machine learning-based AML screening and KYC verification in parallel. Sanctions screening, identity verification and risk scoring in seconds, not hours.

Global Correspondent Network

50+ countries, 30+ currencies, 10+ payment partners. Multiple settlement routes for speed and resilience. PMI Group offices across LatAm.

PCI DSS Level 1

PCI DSS Level 1 certified (group-wide). End-to-end encryption on all transaction data. GDPR compliant. Regular independent penetration testing.

Visa Global Registry

PMI is a registered Visa Global Registry of Service Provider — an independently validated trust signal for institutional partners.

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About Us

PMI Group Europe — The EU Gateway to Payments with Latin America

PMI Group Europe, S.L. is a Payment Institution regulated and supervised by the Bank of Spain, headquartered in Madrid. We are the European subsidiary of PMI Group, an international cross-border payments platform founded in 2019, currently present in eight markets: Mexico, Colombia, Peru, Chile, Argentina, Brazil, Uruguay and Spain.

Our mission is to be the reference payments infrastructure in the European Union for flows between Europe and Latin America — regulated, technologically advanced and operationally rooted in the markets we know best.

From Madrid, with EU passporting underway, we offer businesses, fintechs and financial institutions a cloud-native, API-first platform with T+0/T+1 settlement in key Latin American corridors.