A Platform for Growing the Real-Time Payments Ecosystem
Real-time payment ecosystems demand interoperability, resilience, and standards compliance from day one.
Participants must integrate quickly, operate safely, and scale without introducing operational or settlement risk.
GP2 is a purpose-built platform that enables banks, PSPs, and clearing houses to test, certify, and operate ISO 20022–based real-time payment systems with confidence.
GP2 reduces onboarding time, lowers integration risk, and simplifies operations—while enabling controlled, ecosystem-wide growth.
Why GP2 Exists
Real-time payment schemes succeed or fail based on:
- Speed and consistency of participant onboarding
- Quality of ISO 20022 implementations
- Operational and settlement resilience
- Ability to scale without fragmentation
Too often, institutions rely on:
- Manual certification processes
- One-off integrations
- Limited test environments
- Production-first learning
GP2 replaces this with a repeatable, standards-aligned platform that supports safe participation and sustainable ecosystem expansion.
What GP2 Does
GP2 supports the full lifecycle of real-time payment participation, from readiness and certification through to live message processing and coexistence with legacy systems.
GP2 Platform Components
GP2 Testing & Certification Platform
Accelerates readiness to join any real-time payment network by enabling structured, automated testing and certification.
Key capabilities
- Automated execution of functional and non-functional certification test cases
- Progress tracking and detailed reporting
- Support for both participant and clearing house testing models
- Intuitive user interface that builds internal capability and understanding
- Supported scenarios:
- End-to-end payment workflow testing
- Settlement and reconciliation validation
- Failure, timeout, retry, and duplicate-message handling
- Pre-funded and deferred net settlement models
Outcome
Faster certification with lower risk and higher confidence.
GP2 Payment Gateway for Banks & PSPs
A secure, scalable, and reconcilable ISO 20022-native payment gateway designed for production-scale real-time payments.
Key capabilities
- Support for all ISO 20022 payment and administrative messages
- Integration via standard APIs or IBM MQ
- On-premises, cloud, or fully managed deployment models
- Designed for resilience, observability, and reconciliation
Outcome
Reliable, standards-compliant message processing at scale.
GP2 ISO 20022 Transformer
Enables controlled coexistence between legacy payment systems and ISO 20022 environments.
Key capabilities
- Transformation between ISO 8583 (and other legacy formats) and ISO 20022
- Message validation, enrichment, and intelligent routing
- Support for API-, queue-, and socket-based integration
Outcome
ISO 20022 modernisation without operational disruption.
Why GP2
GP2 is designed specifically for real-time payments at ecosystem scale.
It:
- Speeds up onboarding to real-time payment schemes
- Reduces certification, integration, and settlement risk
- Supports ISO 20022 adoption and coexistence strategies
- Improves operational and reconciliation readiness
- Enables scalable, standards-based interoperability
The result is faster growth without compromising control.
Who GP2 Is For
GP2 is designed for organisations that build, operate, or participate in real-time payment ecosystems, including:
- Banks and financial institutions
- Payment service providers (PSPs)
- Clearing houses and payment networks
It is especially relevant for organisations launching, expanding, or modernising real-time payment capabilities.
Grow with Confidence
GP2 provides the technical and operational foundation for safe, standards-aligned growth in real-time payments.
It supports:
- Innovation without fragmentation
- Speed without sacrificing resilience
- Ecosystem expansion with operational discipline