November 25, 2025

Building a European Payments Alliance: Interoperability as a Common Goal

Building a european payments

Europe is ready forinstant payments.

The infrastructure is built; the technology is proven — what remains is thecollective will to connect. The moment to make seamless, cross-border paymentsa reality for everyone is now.

This vision brought together leaders from across the continent at “Building a European Payments Alliance: Interoperability as a Common Goal”, hosted by Getnet Platforms and Santander on 14 November 2025, at the Santander Auditorium in Openbank’s headquarters, Madrid.
Organized in collaboration with the Spanish-Norwegian Chamber of Commerce, the event brought together more than 100 leaders from across the European payments ecosystem.
And despite the rainy morning in Madrid, the auditorium was packed - a fullhouse - reflecting the growing momentum and shared ambition to make interoperable payments across Europe a reality.

Building european payments Building european payments

Connecting Europe through Instant Payments

One of the key moments of the event came from Bizum and Vipps MobilePay, who announced they will connect their instant payment platforms.
Starting in spring 2026, users in Spain and the Nordic countries will be able to send and receive money instantly across borders - a concrete step towards true interoperability in Europe.

In a light-hearted moment, Rune Garborg, CEO of Vipps MobilePay, said:

“My team always gets nervous when I give dates,” he joked. “But I would say that by next summer, the solution will be ready and connected. And if I don’t set a date, then we’ll never make it!”

To which Fernando R.Ferrer, representing Bizum, replied with a smile:

“I’m glad it was you who said it!”

The announcement captured the spirit of the day: determined, collaborative, and optimistic about the next step for European payments.

Connecting Europe through Instant Payments

Building european payments Building european payments

Leaders ShapingEurope’s Payment Future

The event was moderated by Carmen Sanz, President of the Spanish-Norwegian Chamber of Commerce, and opened with welcome remarks from Petri Nikkilä, CEO Santander Germany & Openbank and Global Head of Consumer Finance (Santander Group), and His Excellency Lars Andersen, Ambassador of Norway to Spain.

An inspiring keynote by Rune Garborg, CEO of Vipps MobilePay, set the scene for interoperability. He shared Vipps’ success story with all of his usual charm, including an insightful overview of the instant payments landscape in Europe - demonstrating how private initiatives can lead innovation and inspire others to enhance user experience and deliver best-in-class payment solutions across borders.

The following session, ‘A European Vision’, featured two perspectives on the roadahead.
Pedro Guerrero Meseguer, Head of European Affairs and Strategy at the Spanish Banking Association (AEB), highlighted the importance of removing regulatory and operational barriers to foster innovation and collaboration among private players.

Leaders ShapingEurope’s Payment Future

He was followed by María Menéndez Becker, Head of the Digital Finance Unit at the Spanish Treasury, who addressed the political context surrounding the Digital Euro.
She emphasised that the Digital Euro should be understood as a public good that complements rather than competes with private payment initiatives, and that both have a vital role to play in building a stronger and more inclusive European payments ecosystem.

Finally, we had a leadership roundtable, “Connecting Europe through Payments”, with Rune Garborg (Vipps MobilePay), Fernando R. Ferrer (Bizum), and José Luis Calderón (Getnet Platforms, Santander Group).

Building european payments Building european payments
In his closing remarks, Matías Sánchez, Global Head of Cards and Digital Solutions (Santander Group), reaffirmed Santander and Getnet Platforms’s commitment to driving interoperability and collaboration as the foundation of Europe’s payments future.

Towards a More Connected Europe

Many different voices but one message: Europe’s payment infrastructure is ready — and the will to connect is growing stronger.

“The technology is already here — now it’s all about collaboration,” said José Luis Calderón, CEO of Getnet Platforms.

By working hand in hand with partners across Europe, Getnet Platforms is helping build an interoperable and truly pan-European payments network that helps people and businesses prosper.

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