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.

Learn more about Form3

Trusted by our clients

We are grateful for the opportunity to collaborate with Form3 and utilize their SEPA connectivity to enhance our customer offering in Europe. This partnership holds the potential to drive efficiency gains, cost savings, and ultimately improve the overall experience for our customers and merchants in Europe. Felix Würtenberger, Head of Banking at Klarna
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
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
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
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 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
Form3 has shown itself as a pivotal technology provider and partner for us, supporting SumUp in connecting to the FPS and BACS schemes directly. The high reliability of the Form3 solution is a huge benefit and payments are processed in a fast and secure manner. The whole experience of working with Form3 should be the benchmark for the industry. David Tatarishvilli, Head of Business Operations Banking Tribe
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Industry benefits for strategic partnerships

At Sibos 2023, Michael Mueller, CEO, Form3, and Darren Parslow, Global Head, Visa Commercial Solutions, discussed the industry benefits for strategic partnerships including account-to-account payments, cloud adoption, and fighting against financial crime with risk reduction technologies.

Recognised as the Industry Leader

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The latest from Form3

Form3 Appoints Anil Arora as Non-Executive Director to Support Scaling-Up Activity

Form3 announces that it has strengthened its Board of Directors by appointing Anil Arora as independent Non-Executive Director. Based in San Francisco, Anil will bring to Form3 his significant experience in founding fintechs and scaling these into established US enterprises. Anil will help Form3 on its expansion journey, drawing on his experience of managing and understanding scaled Software-as-a-Service (SaaS) focused on financial institutions.

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.

Visa invests in Form3 with a focus on reducing fraud and increasing operational efficiency in real-time payments

Form3 announces that Visa, a world leader in digital payments, has invested in the cloud-native account-to-account platform, which will help Form3 continue its expansion. This funding is in parallel to news that Form3 will provide Visa’s clients with access to their best-in-class payments platform, to enable them to modernise their payments’ infrastructure.

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.

Why SumUp selected Form3


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.

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