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.
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.
→Global Collections
International collection with local payment methods, automatic reconciliation and real-time reporting via REST API.
→B2B Platform — SOAPI
Corporate payments natively embedded in SAP, Odoo, Holded and NetSuite. Supplier invoice settlement in local currency with full traceability.
→B2C Platform — XELA
Retail remittances from Spain to Latin America. Delivery via bank transfer, cash pickup or mobile wallet per corridor.
→Agent Platform
Comprehensive system with control panel, integrated KYC/AML management, automatic settlements and real-time analytics.
→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.
→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.
Take your business beyond
Schedule a free consultation and discover how the PMI platform can power your cross-border payment operations.
Schedule a meeting