THE GROUP

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.

WHAT WE DO

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.

REGULATED ENTITY

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.

OUR HISTORY

2011

Company founded by Pascal Pegaz and Rolf Cederstrom

2012

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

2014

Acquired a payment institution license from the Bank of Spain

2015

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

2016

Commercial launch of the Paga+Tarde service in Spain

2018

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

2019

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

OUR TEAM

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.

OUR MANAGEMENT

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.

Tiago Aranda

CFO of the group, and has over 20 years of experience in investment banking in London, Madrid and Lisbon. He was previously a Managing Director at Credit Suisse and worked for Merrill Lynch, and has a degree in Economics with a major in Finance from Nova SBE.

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

OUR INVESTORS

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

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.

OUR LOCATIONS

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