The future of payments is in the cloud

Our vision is to be the world's most trusted provider of cloud-native, real-time payment technology, enabling our customers to access multiple payment schemes and move money to delight their clients.

The company

Our Story

form3 team
Form3 was established in 2016 by four banking and technology leaders with a single purpose - to transform outdated, complex and costly payments infrastructure to a modern, cloud-native, real-time Payments-as-a-Service. Since then we have made enormous steps in opening up access to payment schemes for the global financial community, enabling them to scale and optimise their business operations through advanced payment technology.
form3 team

Our products

What we do

We provide Banks and regulated Fintechs across the globe an end-to-end managed payments service that delivers complete payment processing, clearing and settlement to the universe of payment schemes through a single API. Our platform handles everything so you can focus more on serving your customer's needs and less on managing payments infrastructure.

Reduce capital expenditure

Remove the burden of managing costly, evolving, critical payments infrastructure.

Exploit technology innovation

Learn, adapt and deploy new products to market on demand without disruption or downtime.

Gain geographic reach

Seamlessly move from one access model to another and add payment schemes as required.

our history

Company milestones

  • Aug 2016

    Form3 starts its business

  • Jul 2017

    Series A funding ($5m)

  • Nov 2017

    First FPS payment

  • Aug 2018

    Bacs Direct Participant

  • Nov 2018

    Form3 offers Bacs services to clients

  • Nov 2018

    Series B funding ($13m)

  • Feb 2019

    Complete SEPA Instant (RT1) certification

  • Mar 2019

    First FPS Settling Participant goes live

  • May 2019

    Form3 expands into Europe with an Amsterdam Hub

  • Apr 2020

    Form3 awarded Advanced Amazon Technology Partner and Financial Services competency by Amazon Web Services Partner Network

  • Apr 2020

    Form3 and LHV strengthen partnership to deliver real-time payments in UK and Europe

  • May 2020

    Form3 and Barclays innovate new solution to enable access to SEPA Instant payment scheme for Fintechs

  • Jul 2020

    Lloyds Banking Group in strategic partnership with Form3 to accelerate their digital transformation programme

  • Aug 2020

    Form3 raises $33m in strategic investment funding round

Form3 values

our products

Our values

form3 team

Simplicity is better

We are one team

Care deeply

Quality first

Challenge tradition

Technological excellence

Transparent and open

Wow our customers

form3 tech stack

Our strong tech foundation

form3 tech stack
Form3's platform is cloud-native and built from scratch. It has been designed for the modern, digital era and favours open source collaborative development and the Unix philosophy of small composable modular architecture, (microservices) which we automate full stack tests against. Every single piece of the platform is managed using infrastructure as code.
form3 tech accreditations

Fully accredited and certified

form3 tech accreditations
Form3 is fully accredited and ISO 27001 and ISO 22301 certified and an Amazon Advanced Partner and Financial Services competency provider.
form3 tech stack

Award winning technology

form3 tech stack
Form3 has been ranked in the Top European Fintechs to watch in 2020 by Sifted and in 2019 by Fintech 50. Form3 was named Best Digital Innovation by Bobs Guide in 2019, nominated for the London Business Awards and runner up in the British Bank Awards for Best Technology Partner.

about us

Executive Team

Michael Mueller

Chief Executive Officer

Michael Mueller

Chief Executive Officer

Eimear O'Connor

Chief Operating Officer

Mike Walters

Chief Product Officer

Bonnie Mitchell

Chief Financial Officer

Steve Cook

Chief Technology Officer

Tom Kozlowski


Penny Hughes CBE


Vinoth Jayakumar


Juan Lobato


Michael Mueller

Chief Executive Officer

Penny Hughes CBE


Paul Emney


Otto Benz


Tom Kozlowski


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