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.
Cloud Native Payment Processing, Clearing and Settlement for Banks and Fintechs
Delight your customers with instant payments in the UK and Europe through an end-to-end, Payments-as-a-Service platform. No Hardware, No Software, No Maintenance, No Downtime, Just 100% Happy Customers.
OUR PLATFORM
Next Generation Payment Processing
Payments infrastructure is complex, expensive to maintain and prone to risk. Form3’s managed ‘Payments-as-a-Service’ solution removes these barriers so that you can focus on serving your customers better.
Why customers choose our platform
Accelerate product innovation
Deploy new products instantly to improve the customer experience. Gain speed to market and a competitive edge.
Scale at your pace
Seamlessly move from one access model to another and add payment schemes as you scale up. Form3 is agnostic and independent from banks so switching is simple.
Reduce operational risk
Remove the burden of maintaining back office payments infrastructure, compliance and security. Form3 shields customers from technical scheme changes.
Cloud-based payment processing
Form3 takes care of the entire end to end journey of payments, from the moment a payment is instructed, right through the processing, clearing and settlement with national payment schemes.
Agency bank partnerships
Our combined offering facilitates agency payment services through clearing and settlement systems including UK Bacs, Faster Payments, SEPA, SWIFT and International payments.
Technological innovation
Form3 removes the need and complexity of managing critical, evolving payment infrastructure, scheme rule changes and regulation updates. It's all embedded into our platform.
Discover our services
GBP
Access UK Faster Payments (FPS), Bacs and CHAPs
Euro
Connect to the full suite of SEPA Instant, SEPA SCT and SEPA Direct Debit payment schemes.
Multiple currencies
Integrate your International Payments, FX Risk Management, Currency Accounts & Trade Finance through a single API.
Ebury, a global financial services company have utilised Form3 to attain access to the Faster Payments Scheme and the SEPA Instant Scheme.
We are hiring
Form3 cloud native technology is revolutionising the world of payments. Join us to help shape the future of payments and be part of something special.
Latest news and blogs
Want to learn more?
Read the latest Form3 news and views in our Newsroom
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Back Office Technology Ltd trading as Form3 Financial Cloud is a privately held company with registered number 9954425 and registered address 7-10 Chandos Street, London, W1G 9DQ.