Transactility Launches jPOS 3 With ISO 20022 Support to Modernise Global Card Payments Infrastructure

Transactility Inc., the company behind the widely used open-source card payments framework jPOS, has announced the release of jPOS 3. This major upgrade introduces ISO 20022 compatibility, improved performance, and enhanced observability features, positioning jPOS at the forefront of the future payment infrastructure.

Trusted by some of the world’s largest acquirers, issuers and payment schemes, jPOS has powered critical transaction systems for over two decades. With the launch of jPOS 3, Transactility Inc. aligns its framework with modern financial messaging standards, adding support for ISO 20022, enabling payment players to transition toward real-time and instant payments while relying on the same solid and trusted jPOS ecosystem.

The update also delivers a significant performance boost. Institutions upgrading to jPOS 3 can expect up to 20,000 transactions per second—a substantial increase over previous versions—achievable even on standard hardware. These performance enhancements are complemented by system scalability and observability improvements, making jPOS 3 an ideal choice for high-volume, latency-sensitive payment networks.

jPOS 3 is built on the latest Java technology stack and introduces new capabilities, including structured logging and real-time metric tracking, streamlining regulatory compliance, and improving fault detection.

jPOS continues to differentiate itself through its open architecture and developer-friendly design. Engineering teams can rapidly implement and customize payment systems with full source code transparency, significantly reducing development time and vendor dependencies. jPOS 3 is a powerful solution for businesses seeking to modernise legacy infrastructure or replace rigid, closed platforms with something more flexible and future-ready.

“jPOS is a proven, 25-year-old framework adopted worldwide by some of the biggest names in payments,” said Alejandro Revilla, the original creator of jPOS and founder of Transactility Inc. “For over 25 years, jPOS has quietly powered reliable global payments. With jPOS 3, we’re raising the bar—delivering speed, scalability, ISO 20022 compliance, and unmatched ease of use for developers.”

Through its products, jPTS (jPOS Transaction Switch) and jCard, jPOS 3 enables efficient connectivity between all transaction participants. Whether managing issuing, acquiring, or switching operations, it offers fast and more reliable performance at a fraction of the cost of proprietary solutions.