Getnet - Europe

Getnet is Santander Group’s global payments platform

Top 10 by Nilson Report ranking of acquirers by domestic purchase transactions.

Top 10

Acquirer worldwide

€240bn

In annual payment volume

31

EU markets, own licence

10.5bn

Transactions a year

Volume and transaction figures: Getnet, 2025. Acquiring licence across 30 EEA countries + Switzerland

One partner. International growth, with less complexity

We're not trying to out-engineer the specialists. We compete on the things that slow merchants down: coverage, integration, pricing, service and scale.

Coverage

The methods your customers already use. International schemes, digital wallets and local methods — around 95% of payment methods across our European focus markets. In Spain and Portugal we're members of the Bizum and MB WAY ecosystems, with a direct connection to each.

Your local payments partner in every European market

Integration

Getnet SEP is a single entry point into our regional platform, with direct access to Getnet's local acquiring — not an orchestrator sitting on top of third parties. Hosted checkout, direct API or Pay by Link. Tokenisation, network tokens, 3D Secure 2.0, fraud screening and recurring billing.

Every new market is an activation, not a project

Pricing

Interchange++ as standard: scheme fees, brand fees and our margin, itemised separately. No hidden costs. Two guarantees behind it — no lock-in, so you're free to work with other providers, and no surprise increases once you've done the work of integrating.

We settle into any bank account, at any bank

Service

People, not tickets. Named contacts who understand your business, local-language support across our European focus markets, and a dedicated European team with direct responsibility for clients, partners and markets.

A dedicated European team

Scale

Acquiring under our own licence in 30 EEA countries + Switzerland and direct presence in six Latin American markets — not resold capability. Our own cloud-native platform, with 94% uptime, 100ms payment latency and 93% card approval.

Built for PSD2 — and ready for PSD3/PSR

Why now

Every new market adds another layer of complexity

It happens one market at a time — an acquirer here, a PSP there, a separate provider for local methods. Five countries later, nobody owns the whole picture.

Integrations that keep multiplying

Every new country means new development, new testing and new maintenance — before a single transaction.

Costs you can't compare

Blended pricing makes it almost impossible to know what you're really paying, or to benchmark one provider against another.

Support that disappears

When something breaks at 9am on Black Friday, you need a name and a number — not a ticket queue in another time zone.

Meanwhile, the market keeps growing.

Only 18.2% of European retail will happen online in 2026. In Asia it's already 30.4%.

€911bn

European B2C eCommerce

Up 7% — and forecast to reach €961bn in 2026

€108bn

of it crossed borders last year

Your customers are already shopping across borders

56%

of global e-commerce value is paid by digital wallet

Not by card alone

And the map is being redrawn.

Local payment methods are consolidating into wider standards, and domestic rails are starting to travel: Brazil's Pix is now accepted in Spain, Portugal and the United States; India's UPI has expanded across South-East Asia and the Middle East. Europe is now outpacing the Americas, at 8.5% against 7.7%. At the same time, artificial intelligence is gaining ground across European retail, and a new generation of payment solutions is making checkout faster and simpler. The infrastructure underneath European commerce is changing.

Which means the question isn't whether to sell across Europe. It's who you do it with.

Sources: European E-commerce Report 2026, Ecommerce Europe / EuroCommerce / Amsterdam University of Applied Sciences (2025 figures) · ECDB, E-Commerce in Europe 2026 · Cross-Border Commerce Europe, TOP 500 B2C Cross-Border Retail Europe, 8th edition (cross-border value, travel excluded) · Worldpay (Global Payments), Global Payments Report 2026.

Evidence

This isn't a plan. It's already running.

The model we're bringing to Europe is the one that processes payments every day across Latin America — same platform, same single integration, same approach.

One integration. Four markets.

We have direct presence in six Latin American markets; Getnet SEP is live in four of them.

Brazil | Mexico | Chile | Argentina

Over that same SEP connection:

Sales and refunds
Fraud screening
Subscriptions
Tokenisation
Local settlement
Instalments

Same platform. Same integration. A new region.

With real volume and real merchants.

Talk to our European team

The questions we get asked

The things you're probably wondering

If you're evaluating an acquiring partner for Europe, these are the questions that come up first. Here are the honest answers.

One connection to SEP, through a hosted checkout, a direct API or Pay by Link.

The part that matters most comes afterwards: adding a new market or a new payment method doesn't mean integrating again. You activate it. Nothing gets rebuilt.

Yes — around 95% of payment methods across our European focus markets, including the local ones that matter in each.

Where a market has its own domestic card scheme, most cards are co-badged: they carry both the local scheme and an international one. Online, those payments route through the international network as standard, with no impact on your customer's experience or on your approval rates.

Settlement terms are agreed as part of your commercial conditions. They vary by payment method and by market — each local method has its own settlement cycle — so we set them out clearly for your specific mix rather than quoting a single figure.

It goes into whichever account you choose, at whichever bank you choose. Our settlement is bank-agnostic by design: keep the banking relationships you already have.

A fair question, and we'd rather answer it head-on. We're an established acquirer in Iberia — second in the market, and the fastest-growing over the last five years — now operating under our own acquiring licence across 31 European countries.

The model itself isn't new either. It processes 171 million transactions a month across Latin America today, through the same single integration.

We're entering Europe as a challenger. We'd rather prove it on your numbers than ask you to take our word for it.

Market position in Iberia by acquiring volume. Ranking perimeters differ: Top 10 worldwide refers to the Nilson Report ranking of acquirers by domestic purchase transactions.

Fit

We're a good fit if this sounds like you

We work best with a particular kind of merchant. Being straight about it saves everyone time.

You sell across more than one European market

Or you're planning to within the next 12 months. The more borders you cross, the more our model is worth to you.

You've outgrown a single-country setup

You're managing several providers, several contracts and several integrations — and it's becoming a drag on the roadmap rather than an enabler.

Latin America is relevant to you

Either you already sell there, or it's on the plan. One partner and one integration across both regions is where we're genuinely difficult to replicate.

You want a named team, not a portal

You'd rather have people who know your operation than a login and a help centre.

Probably not the right moment if:
You're selling in a single market with no cross-border plans, you're looking for a fully self-service setup with no account management, or you need a live integration in a matter of days.

One Partner.

One integration.

Multiple markets.