Connecting the world of instant payments.
Interoperable across institutions
GoodPay is a network of banks & financial institutions that allows to send and receive instant payments across institutions, borders, and platforms.
Compatible with existing infrastructure
The GoodPay standard is rail-agnostic, enabling members to unlock interoperable payments across FPS in the UK, SEPA Instant in Europe, or stablecoin networks.
Open governance
GoodPay is designed to foster trust, collaboration, and scalable growth across the financial ecosystem. Members can shape its evolution—requesting features, proposing changes—with a long-term goal of becoming an ISO-recognized protocol.
How it works
A simple three-step process to get started with GoodPay
Connect
Build
Scale
Receive money.
Settle directly on instant rails.
Inbound transfers clear immediately over SEPA Instant, FPS or stablecoin rails. Funds settle straight into your institution’s accounts, under your control.
Integrate one API.
Enabling receive payments from any participating member doesn't require any frontend changes. Integrate in under a week via a single API endpoint, preserving your existing front-end and branding while unlocking cross-institution receive capability.
Enable your customers to receive more.
Consolidate disparate split-bill and payment-request flows into one interoperable standard, reducing reliance on card schemes and costly PISP.
Send money.
Network-wide reach.
Enable your customers to make P2P payments to any bank, e-money or payment institutions member of GoodPay. Leverage real-time rails for direct settlement—your institution remains the sole custodian of funds.
Modular integration.
Deploy with full backend control or accelerate with our mobile SDK. Go live in 1–3 months under your institution’s security policy and protocols.
From partial to full P2P.
Deliver true P2P interoperability across all participants, eliminate per-transaction PISP charges, and offer broader coverage at a lower total cost of ownership.
Built for banks & financial institutions
GoodPay is a secure, scalable, and open network for financial institutions of all sizes.
For e-money institutions (EMI) & payment institutions (PI)
Grow your institution with a fully interoperable P2P network. GoodPay lets your customers send and receive real-time payments across banks, EMIs and PIs with your existing interface—delivering P2P convenience without card fees, token wallets or separate partners, and giving you full control over the the payment experience with minimal engineering overhead.
For banks
Modernise your P2P offering to retain and grow customer engagement. With GoodPay, you embed bank-grade interoperable payments directly into your app, enabling account-to-account transfers on real-time rails while maintaining full compliance, fraud controls and branding—closing the gap with challenger banks and keeping volume within your ecosystem.
Start building today.
Get started by requesting your financial institution's API key. We offer API documentation and a Sandbox environment to build mobile-based P2P and C2B products in weeks–not years.
Built by a team of finance experts.
We built financial products and security systems at some of the largest and most regulated financial companies, including Wise and JPMorgan Chase.
