Back to press releases
  • Group
  • Press release

BNP Paribas and Startup Studio 321founded launch Panto, a fintech dedicated to marketplace payments

Paris, October 18, 2023 - Co-founded by the entrepreneurial team of 321founded and BNP Paribas, Panto offers marketplaces a dedicated payment management solution that guarantees smooth and secure transactions. The fintech is aiming for rapid penetration of the European payments market, and intends to position as a made-in-Europe alternative. Guillaume Massis (ex Intuit, co-founder of Airtag) is CEO of the startup.

"With Panto, we aim to contribute to the creation of a leading payment player for marketplaces and, moreover, to the platformization of commerce. For its launch, Panto can count on the strength of BNP Paribas, present across the entire payment value chain and the 1st European bank for corporates. I am convinced that the team, led by Guillaume Massis, will succeed in positioning Panto as one of the leading payment players for marketplaces, thanks to its best-of-breed offering," says Neil Pein, Head of Payments Transformation and New Digital Businesses, BNP Paribas Group.

Full-service payment platform

Panto provides state-of-the-art payment functionalities for marketplaces, through an API that can be quickly implemented.

Cash in features

  • Payment acceptance and access to multiple payment methods, adapted to each market.

Cash out features

  • Automatic redistribution of payments between third-party sellers and the marketplace, with instant or standard transfers.

Management features

  • Automated onboarding of third-party vendors from an in-house KYC (Know Your Customer) process and global fraud management, powered by AI.
  • A unified view of all payments, for single-point management of chargebacks, reconciliation, financial reporting and performance indicators.

"From the outset, we've set ourselves the highest industry standards in terms of integration, functionality and technology, at a competitive price," explains Guillaume Massis, CEO of Panto.

Initially, Panto is targeting European BtoC e-commerce players, in particular the leading marketplaces that are BNP Paribas customers. At a later stage, the fintech could extend to the European BtoB and CtoC markets, with international sellers.

"Our aim is to become one of Europe's leading marketplace payment solutions. Although there is a lot of competition in this market, it remains vast and continues to grow," continues Guillaume Massis. "We developed a first complete beta version in 6 months. With the support of BNP Paribas at our side since Panto's creation, we look forward to a similar dynamic commercial launch phase."

Panto is scheduled for launch in the first half of 2024. Until payment institution approval is obtained, the fintech will operate as an agent of BNP Paribas.


321founded, co-founded by Patrick Amiel and Romain Ledru-Mathé, is behind a new model of entrepreneurship that enables large corporations (CAC40 and SBF120) to launch startups with a 100% entrepreneurial approach. Since 2019, Corporate Startup Studio's ability to hatch promising startups is based on a unique network and methodology that combines the strengths of large corporations with the execution capability of the 40 serial-entrepreneurs brought together within 321founded. Entrepreneurs, corporates and the studio are co-shareholders and long-term partners, enabling them to move rapidly from idea to growth phase.

BNP Paribas is the European Union’s leading bank and key player in international banking. It operates in 65 countries and has nearly 185,000 employees, including more than 145,000 in Europe. The Group has key positions in its three main fields of activity: Commercial, Personal Banking & Services for the Group’s commercial & personal banking and several specialised businesses including BNP Paribas Personal Finance and Arval; Investment & Protection Services for savings, investment and protection solutions; and Corporate & Institutional Banking, focused on corporate and institutional clients. Based on its strong diversified and integrated model, the Group helps all its clients (individuals, community associations, entrepreneurs, SMEs, corporates and institutional clients) to realise their projects through solutions spanning financing, investment, savings and protection insurance. In Europe, BNP Paribas has four domestic markets: Belgium, France, Italy and Luxembourg. The Group is rolling out its integrated commercial & personal banking model across several Mediterranean countries, Turkey, and Eastern Europe. As a key player in international banking, the Group has leading platforms and business lines in Europe, a strong presence in the Americas as well as a solid and fast-growing business in Asia-Pacific. BNP Paribas has implemented a Corporate Social Responsibility approach in all its activities, enabling it to contribute to the construction of a sustainable future, while ensuring the Group's performance and stability.


Neil Pein
Diana Pluquet
Innovation | Payments | User Experience
+33 (0)7 62 39 15 34
diana.pluquet [at] bnpparibas (dot) com

Neil Pein

Head of New Digital Businesses and Head of Payments Transformation at BNP Paribas

Following a career spanning New York and London, Neil Pein joined BNP Paribas in 2007. He spent six years within the Corporate and Investment Banking (CIB) division, working in the financial markets team, then joining the strategy team during three years. He joined BNP Paribas Leasing as Sales Director in the Technology Solutions France business line in 2016. In September 2018, he was appointed as Head of Payments Transformation, then Head of the newly created New Digital Businesses unit bringing together payment Fintechs such as Nickel and Floa.

Neil Pein is also Global Head of Axepta BNP Paribas, and Administrator of FLOA, Nickel, Lyf and the joint venture with Worldline, Worldline Merchant Services Italy.

He is a graduate of Ecole Polytechnique and New York University.