Payment technology reimagined for financial institutions

Form3 are revolutionising the way payments work from channel to payment scheme. We remove reliance on outdated, complex and costly payments infrastructure through provision of a modern, cloud-native, real-time account-to-account payment platform.

Trusted by our clients

  • Lloyds Bank Logo
  • Mastercard Logo
  • J.P.Morgan Logo
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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.

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.

Recognised as the Industry Leader

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The latest from Form3

Currencycloud Partners with Form3 to Boost Confirmation of Payee Fraud Detection Offering

Form3 announces that Currencycloud, a Visa solution focusing on simplifying business in a multi-currency world, has selected them to provide account verification technology to support Confirmation of Payee (CoP) activity, designed to reduce fraud in the UK. The Form3 Confirmation of Payee Requester Service enables Currencycloud’s customers to verify account holder and payee details to provide fast and secure account verification.

Form3 to Support Klarna’s European Payments to Bolster its Customer Offering

Form3 is delighted to announce it will be providing Klarna, the AI-powered payments network and shopping assistant, with SEPA connectivity to bolster its customer offering in Europe as part of its wider international growth strategy. The new agreement sees Form3 providing Klarna with direct technical access to STEP2 and RT1 via its cloud-based, single API account-to-account platform.

Form3 and Feedzai Launch Industry-First APP Fraud Solution for the UK Market

Form3 launches a new, innovative authorised push payment fraud (APP fraud) prevention solution, powered by Feedzai, the market leader in anti-fraud and financial crime software. The new product is the first solution, built using fully supervised machine learning, to leverage collaborative intelligence to understand the behaviour of both the payment sender and recipient, to determine the risk of the payment being made in real-time.