Pagantis, an established fintech founded in 2011, provides automated, friction-free consumer finance for e-commerce transactions in Europe.

The company has originated over €500 million in online consumer loans on its proprietary platform, which has been developed leveraging the company’s expertise in data science, technology, regulatory compliance, and finance.


The Pagantis point of sale consumer finance platform for ecommerce (Paga+Tarde in Spain), allows consumers to pay for goods and services in monthly installments with a fully automated, paperless process and provides e-commerce merchants with a simple onboarding process to offer consumer credit in conjunction with e-commerce purchases.


The group operates a regulated entity, Pagantis SA EP (Bank of Spain Code 6857), a payment institute authorized and supervised by the Bank of Spain. This entity is authorized to:
(I) Issue payment instruments to consumers
(II) Acquire payment instruments on behalf of merchants
(III) Extend credit in relation to payment operations.



Company founded by Pascal Pegaz and Rolf Cederstrom


Pioneered real-time, fully automated online consumer finance loans in Spain


Acquired a payment institution license from the Bank of Spain


Closed a €15M series A equity venture round lead by Prime Venture


Commercial launch of the Paga+Tarde service in Spain


Set up of Italian office and passporting of the PI license to Italy approved


Closed a €65M series B funding round in debt and equity, lead by SPF Investment Management


The Pagantis team consists today of over 100 professionals from over 20 countries.

The majority of the employees are technology and data science professionals, and the company has deep expertise in regulatory compliance and finance.


The group has a very strong and experienced senior management team:

Pascal Pegaz

President and co-founder of the group. He is a serial entrepreneur and early stage technology investor who started his career with the minitel in France, and has founded and incubated numerous payment and technology companies including Jet Multimedia, Electronic Group, Aedgency, Flumotion, Get Financing, and Fluendo.

Rolf Cederstrom

CEO and co-founder of the group and has over 20 years of experience in the technology and finance sectors. He has worked for Ericsson, IBM, Goldman Sachs & Co., and Ardent Advisors, and has an MBA from the Massachusetts Institute of Technology and an MSc in Physics (Teknisk Fysik) from the Lund Institute of Technology.

Gianluca Bergamaschi

Group CFO with more than 20 years of experience in Investment Banking, Corporate Development and other Business roles. Prior to his role in Pagantis, Gianluca was MD at Clairfield International and Head of Corporate Development at Elavon Inc. following over a decade in Investment Banking at UBS and Credit Suisse. Gianluca holds a Master Degree with honors from Bocconi University.

Mar Bezanilla

COO of the group, previously worked at Management Solutions as a business consultant in the banking sector. She has a degree in Mathematics from the University of Cantabria, an Executive MBA from IESE and a FRM certification from the Global Association of Risk Professionals

Juan Angel Momboisse

Head of legal and compliance at the Pagantis Group and was previously the director of legal and compliance at Cofidis. He has a Degree in Law and Business Administration from Comillas Pontificia University.

Markus Seebacher

CTO of the group, and previously independent software architect, as well as software engineer at Technikgruppe and at Graz University of Technology. He has a Bachlor’s and Master’s degree in Telematics from Graz University of Technology


Prime Ventures

Prime Ventures is a leading venture capital and growth equity firm focused on investing in European technology companies, and manages approximately 700 million euro in committed capital.


SPF Investment Management, L.P. is a New York based global investment adviser managing $2.2 billion in assets (as of January 31, 2019). The firm invests in a variety of structured products, instruments and exposures with the objective of providing attractive, risk adjusted long-term returns.


Avenida Diagonal 579 08014 Barcelona Spain Paseo de la Castellana 95 28046 Madrid Spain Via Gorani 4 20123 Milán Italia