SEP 28–OCT 1, 2026 | MIAMI, FL, US
Sibos 2026
Join Form3 at Sibos 2026 in Miami — meet our team and explore cloud-native, real-time payment infrastructure for banks worldwide.
BOOK A MEETINGCLOUD-NATIVE INFRASTRUCTURE
A Global Account-to-Account Financial Fabric
Every payment tells a story. Behind each transaction there is a person, business, or moment that really matters.
Form3 is a world-leading account-to-account payments platform trusted by banks and fintechs to deliver resilient, real-time payment experiences for their customers at scale.
ARCHITECTURE
Powering Payments Your Customers Rely On
Payments cannot afford to fail. Our cloud-native financial fabric simplifies the complexity of payment infrastructure to keep payments moving and enable you to deliver the outcomes that matter to your customers.
Move money across multiple regions, payment networks, and asset types with speed, resilience and control.
BUILT FOR ALWAYS-ON OPERATIONS
AWSGCPAzure
ISO 27001
Certified
SOC 2 TYPE II
Certified
PCI-DSS LEVEL 1
Certified
ISAE 3402 TYPE II
Certified
PLATFORM FEATURES
Solutions Built for Every Stage in the Payment Lifecycle
- Payments Processing & GatewayReal-time access to domestic and international payment schemes in the US, UK and Europe through a single API.
- Orchestration & Intelligent RoutingCoordinated payment flows with automated decisioning and routing across systems.
- Payments SimulatorTest and validate payment scenarios before deployment, reducing go-to-market risk and complexity.
- Sponsor Bank EnablementEnable access to payment schemes via sponsor banks, simplifying participation and accelerating market entry.
5 billion
transactions processed annually
50%+
of UK banks on board
90%+
of UK payments market accessible through a single API
40+
global customers
GLOBAL REACH
Payments Infrastructure Built for Global Scale
We operate a cloud-native API that delivers real-time payment processing and continuous availability. The platform replaces fragmented legacy architectures with a unified system that supports high-volume transaction processing at scale.
Delivered as a managed service, it removes the need for banks and fintechs to build, run, and maintain their own complex payments infrastructure. This reduces operational cost, lowers risk, and eliminates the overhead associated with managing multiple interconnected systems.
A single, scheme-agnostic API provides access to payment schemes across the UK, Europe, and the US, simplifying expansion into new markets. Following a single integration, services are delivered via regional infrastructure to ensure data remains within each jurisdiction and meets regulatory requirements.
EPISODE 1
The Problem Beneath the Problem, with Form3's Mike Walters
In the first episode of Payments Cannot Fail, host Mark Fieldhouse sits down with Form3 CEO and co-founder Mike Walters to explore why Form3 exists, and the fundamental challenges it was built to solve.
Mike Walters
Chief Executive Officer, Form3
LET'S MEET
Where We'll Be Next
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.
PARTNER WITH US
Industry Leading Partners
Our partnership ecosystem spans strategy firms, system integrators, core banking, and technology providers. Collaborations enable the delivery of next-generation payments infrastructure across markets, supporting transformation and accelerating time to market.
RECOGNITION
Trusted by the Experts
Team of the Year
LEARN MORE
Paytech Team of the Year
LEARN MOREPaytech of the Year
LEARN MORE
Team of the Year
LEARN MORE