Payment technology reimagined for financial institutions

Form3 are revolutionising the way payments work from channel to payment scheme. We have developed an enterprise-grade, managed, payment technology platform that integrates across multiple payment schemes, and connects into your payment systems with ease.

Trusted by our clients

Collaborating since 2018, Form3 has been instrumental for our business, providing a seamless and reliable solution for connecting to the SEPA Instant Scheme. Their API cloud solution has made payments processing faster and more efficient, with excellent Customer support. Jennifer Christoph, Director of Product
Rolling out Form3’s platform is a big step to simplifying and strengthening our payments processing. We expect that we will be processing millions of transactions through our new platform. Otto Benz, Payments Director at Nationwide Building Society
This partnership with Form3 will directly deliver against our multi-rail strategy to enhance more payment flows for our customers. It's critical that we evolve our solutions to improve transactional speed, convenience and security for stakeholders. Gregor Dobbie, CEO of Vocalink, a Mastercard company
Our continued close collaboration with Form3 has allowed us to add a SEPA Credit transfer service alongside our SEPA Instant proposition which we jointly launched in 2020. Martin Runow, Global Head of Payments, FX and Digital, Barclays Corporate Banking
Achieving close connectivity to payment systems is about both understanding local regulation and delivering quality technology - Form3 are unique in that they provide expertise in both. Juan Lobato Lobato, CEO and co-founder of Ebury
Our customers value the strength of our capabilities in terms of service, access to multiple schemes via a single API and new product propositions which we have in cooperation with Form3. Andres Kitter, Head of UK at LHV
Our new strategic partnership with Form3, alongside the additional investment announced today, will provide us with the opportunity to implement a cloud native, real-time payment platform to meet our customers’ evolving needs. John Chambers, Group Chief Information Officer at Lloyds Banking Group
We are excited to deepen our relationship with Form3 and provide global FX and payments capabilities to meet the needs of their fast-growing clients. Art Brieske, Global Head of Payments Products, Goldman Sachs’
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Learn more about Form3

Recognised as the Industry Leader

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The latest from Form3

Nationwide Building Society has selected Accenture and Form3

Nationwide Building Society has selected Accenture (NYSE: ACN) and Form3 to transform its digital payments infrastructure through the adoption of a cloud native platform, aiming to enhance the customer experience with seamless, secure and fast transactions. As digital payments continue to grow, the cost-efficient solution has been designed with resilience and compliance at the core.

Clarency has selected Form3 to provide it with direct access to the Swift network

Clarency takes a further significant step in integrating its KYC-first payments and liquidity platform into core banking with its announcement of selecting Form3 to provide it with direct access to the Swift network. The move extends its support for international payments and enables further customer growth. Clarency is the first customer on Form3’s Swift-as-a-service solution.

Soldo selects Form3 for SEPA capabilities

Soldo, the London-based fintech creating the next generation of payments and expense management solutions, today selected Form3, the cloud-native account-to-account platform, to provide SEPA Credit Transfer and Instant connectivity. Soldo’s upgraded SEPA capabilities will allow it to update its payment technology to boost customer growth as its business expands, taking advantage of SEPA Instant adoption mandate in 2023.

Cloud-based Payment Technology

Form3 provide an enterprise-grade payment technology platform on the cloud, built using microservices. The platform was designed, from inception to be highly scalable, adaptable and resilient. We adopt a ‘build to run’ development approach with monitoring alerting and reporting all built into the platform.

Why customers choose our platform

Applied innovation


Keep up with changing environments, channels, schemes, and regulations. Form3 insulate customers from the changing payments landscape and alleviate the burden of inflexible and unscalable technologies that restrict growth and opportunity.

Growth built in


Dynamically scale as payment volumes peak. Form3 was designed, from inception, to provide our customers the tools to enable their growth. Clients can build on top of our technology, comfortable, knowing it is future proof, risk resilient and will scale along with their growth.

Setting the standards


Remove the burden of maintaining back-office payments infrastructure, compliance and security. Form3 shields customers from regulatory changes. Form3 understand not just our clients technological needs, but their business needs and the frustrations and impact of managing payments.

Strength in collaboration


Gain control of complete payment processing, clearing and settlement without the costs and frustration of management.

Agency Bank Partnerships

Our combined offering facilitates agency payment services through clearing and settlement systems including UK Bacs, Faster Payments, SEPA and SWIFT payments. Click here to check out our latest Faster Payments Scheme guide.

Technological Innovation

Form3 removes the need and complexity of managing critical, evolving payment infrastructure, scheme rule changes and regulatory updates. It's all embedded into our platform.

Ebury, a global financial services company have utilised Form3 to attain access to the Faster Payments Scheme and the SEPA Instant Scheme.

"Achieving close connectivity to payment systems is about both understanding local regulation and delivering quality technology - Form3 are unique in that they provide expertise in both."
Juan Lobato, CEO and co-founder of Ebury


Nationalities represented (and growing)

We take pride in being a multicultural company.


Different languages

From Greek to Urdu, we have seen this number grow fast in the last couple of years welcoming colleagues from around the world.


Different locations

Since Form3 was established in August 2016, we have embraced a remote working culture. This means more flexibility and better work-life balance.

Want to know more?