What CTI Soluciones does

CTI Soluciones (legal name CTI Tecnología y Gestión S.A., S.M.E.) is a Spanish business-to-business technology and outsourcing services company headquartered in Alcobendas (Madrid) with regional offices in Barcelona and Bilbao. The company serves financial institutions, enterprises, and fintechs across Spain and Portugal, providing payment processing, IT managed services, data management, and business process outsourcing. CTI is owned by INFORMA D&B, CESCE (Compañía Española de Seguro de Crédito a la Exportación), and Teknei, with the ownership structure providing access to privileged Spanish business and credit databases.

The company's product portfolio spans three interconnected solution areas. Payment Services include the Pasarelas de Pagos platform with interoperability agreements across SNCE, SEPA, and SWIFT networks, plus immediate payments, PSD2 compliance, cash flow management, multi-payment routing, and operational clearing services. IT Services comprise project consultancy, 24/7 managed IT support, mobile device management, data transmission systems via EDItraN/SWIFT/FTP/CFT, and bureau/database management. Data Management includes the proprietary Geocode platform (500M+ standardized records for address normalization in Spain and Portugal), Comfye multi-channel notification platform, document processing, regulatory compliance solutions (FATCA, CRS, AML), accounts receivables/factoring, and contact center services. The CSO (Centro de Servicios Operativos) line bundles these capabilities into integrated outsourcing solutions for banks and businesses.

CTI operates an enterprise field-sales model targeting banks and large enterprises with custom quote-based pricing and multi-year contracts. Revenue streams combine recurring payment processing subscriptions, managed services fees, and professional services engagements. The company reports processing 15% of Spanish national payment volume and managing 1.7 million operations daily, with a claimed 98% trust rate among Spanish financial entities. CTI holds ISO 9001 (since 2005), ISO 27001 (since 2017), and Spain's Esquema Nacional de Seguridad certification (2024), positioning it as a compliance-anchored incumbent in regulated Spanish banking infrastructure.

Name

CTI Soluciones

Legal name

CTI Tecnología y Gestión S.A.

Website

https://ctisoluciones.com

Company type

Private

Founded year

1959

Operating status

Operating

Headcount range

251–500 employees

Short description

CTI Soluciones is a Spanish B2B technology and outsourcing firm providing payment processing, IT managed services, and data management solutions to banks, enterprises, and fintechs across Spain and Portugal, with proprietary platforms including Geocode and Comfye.

Ownership category

akta.pro rank

Product category

Payment Processing Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Custom Computer Programming Services (541511), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (5182)

SIC

Services-Computer Processing & Data Preparation (7374), Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Wire/RTP Reconciliation, Settlement & Nostro/Vostro Support (FSAMAHAH)

akta.pro secondary industries

Wire/RTP Message Formatting, Routing & Translation (ISO 20022 / MT-MX) (FSAMAHAE), CCP Settlement & Payment Infrastructure Services (FSAFAFAL)

Keywords

• Payment processing services
• Data management solutions
• Banking technology services
• Regulatory compliance solutions
• Business process outsourcing

Headquarters

HQ city

Alcobendas

HQ country

Spain

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Infrastructure, Marketing or Sales

Revenue model

1. Payment Services: Processing and management of payment transactions including payment gateways, immediate payments, PSD2 compliance services, cash management, and multi-payment solutions for financial institutions and businesses.
2. IT Services: Managed IT services, technical assistance, project consultancy and development, data transmission systems, and database/bureau management services.
3. Data Management: Data standardization (Geocode), regulatory compliance solutions, document processing, account receivables management/factoring, contact center services, and notification platform (Comfye).
4. CSO Outsourcing Services: Operational Service Centers offering comprehensive outsourcing for banks and enterprises including contact center, accounts receivable management, monitoring support, administrative services, and regulatory compliance.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

CTI Soluciones provides payment processing solutions, IT managed services, and data management services primarily to financial institutions and enterprises. The company operates payment gateway platforms supporting SNCE, SEPA, and SWIFT interoperability, immediate payments, PSD2 compliance, cash flow management, and offers proprietary platforms like Geocode for data standardization and Comfye for multi-channel notifications. It also delivers business process outsourcing through its Operational Service Centers (CSO) for banks and enterprises.

Product overview

CTI Soluciones offers a comprehensive technology and business management platform specializing in payments services and data management. The portfolio comprises three interconnected solution areas: (1) Payment Services including the Payment Gateways Platform supporting SNCE, SEPA, and SWIFT interoperability, Immediate Payments, PSD2 services, Cash Management with predictive analytics, Multiple Payments routing, and Payment Transaction Services covering portfolio management, tax collection, direct debit changes, and payment instruments; (2) IT Services encompassing project consultancy with e-commerce and Front/Back Office development (Magento-based), Managed IT Services with 24/7 support and MDM, Data Transmission Systems via EDItraN/SWIFT/FTP/CFT, and Financial Institutions databases; and (3) Data Management featuring Geocode for data standardization/enrichment, Comfye notification platform, Document Processing, Regulatory Compliance solutions (FATCA/CRS/AML), Account Receivables Management/Factoring, and Contact Center services. The company also delivers integrated outsourcing solutions (CSO) for banks and businesses. The architecture combines proprietary platforms (Geocode, Comfye) with managed services and supports Oracle, Host, and SaaS deployment models.

Differentiator

Problem solved

Functional benefit

Brands

• Geocode: Leading data standardisation and processing tool for address normalisation, name standardisation, and data enrichment in Spain and Portugal.
• Comfye

Products and services

• Plataforma de Pasarelas de Pagos (Payment Gateways Platform) Unified payment gateway platform providing bank interoperability agreements at national (SNCE), European (SEPA), and international (SWIFT) levels for processing diverse payment instruments. Built for banks and financial institutions.
• Pagos Inmediatos (Immediate Payments)
• PSD2 Services
• Gestión de Efectivo y Flujo de Caja (Cash Management)
• Multipago (Multiple Payments)
• Servicios Operativos y Soluciones de Pago (Payment Transaction Services)
• Consultoría y Desarrollo de Proyectos (Project Consultancy)
• Servicios Gestionados IT (Managed IT Services)
• Sistemas de Transmisión de Datos (Data Transfer Systems)
• Fichero de Entidades Financieras / Festivos (Financial Institutions File)
• Geocode
• Comfye
• Tratamiento Documental (Document Processing)
• Cumplimiento Normativo (Regulatory Compliance)
• Gestión de Cuentas a Cobrar / Factoring (Account Receivables Management)
• Contact Center
• CSO para Bancos (Operational Service Portfolio for Banks)
• CSO para Empresas (Operational Service Portfolio for Businesses)

Quantifiable outcome

• 1.7 million operations managed daily
• +3 more outcomes

Named customers24 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Scale indicators6 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Iberpay: Iberpay is the Spanish interbank payment infrastructure operator running SNCE and SEPA processing. Directly comparable as the central clearing/settlement counterpart to CTI's payment gateway interoperability products, both serving Spanish banks with national and European payment rails.
• Cecabank: Cecabank is a Spanish bank-owned payments and back-office services provider offering payment processing, custody, treasury, and outsourcing to Spanish financial institutions. Highly comparable as a same-market financial-services technology and outsourcing peer with overlapping customer base.
• SIA (SIA / Nexi Group): SIA provides payment processing, clearing, and outsourcing technology to European banks including SNCE and SEPA interoperability. Directly comparable as a payment infrastructure outsourcing peer for European retail banks.

Broad incumbents

• Indra: Indra is a large Spanish IT services and digital transformation company serving financial institutions across core banking, payments, and outsourcing. Comparable as a broader incumbent in Spanish banking tech, though much larger and more diversified than CTI.
• Worldline: Worldline is a major European payment processor and merchant acquirer across SEPA, instant payments, and PSD2 rails. Comparable as a payment infrastructure incumbent serving the same European standards CTI supports, though at a continental rather than Iberian scope.
• NTT Data (formerly Everis): NTT Data (incorporating Everis, a large Spanish-origin IT consultancy) provides IT consulting, custom development, and BPO to financial institutions. Comparable to CTI's consulting/managed-IT line, with much broader scale and similar Spanish banking DNA.
• T-Systems: T-Systems is the large German IT services arm of Deutsche Telekom, delivering payments, managed services, and BPO to European banks. Comparable to CTI's managed IT and data transmission services at a different geography with much larger scale.

Regional players

• Konecta: Konecta is a Spanish-origin BPO and contact center operator serving Spanish-speaking markets for telemarketing and customer service. Comparable to CTI's Contact Center and CSO outsourcing services, with stronger geographic reach in Latin America.

Emerging players

• Equifax (Spain / Portugal operations): Equifax operates bureau and credit-information services in Iberia, including address and identity data standardization comparable to CTI's Geocode platform. Overlaps with CTI's data management revenue stream in Spain and Portugal.
• Loqate (GBG Group): Loqate is a specialist data quality and address verification platform comparable to CTI's Geocode product. Comparable as an emerging global address-normalization peer expanding across Europe.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/cti-soluciones
• Xx.com/CTISoluciones
• Facebookfacebook.com/CTI-Soluciones-958029454241054

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CTI Soluciones