Our Story

The future of payments is in the cloud

Our vision is to be the world’s most trusted provider of payment technology. We design, build and run the technology that powers the future of payments.

What we do

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.


Start-up to scale-up

Established in 2016 by four banking and technology leaders with a single purpose - to transform outdated, complex and costly payments infrastructure to a modern, cloud-native, real-time Payments-as-a-Service.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.

Fully accredited and certified

Form3 is fully accredited and ISO 27001 and ISO 22301 certified and an Amazon Advanced Partner and Financial Services competency provider

Our strong tech foundation

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.

Award winning technology

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.

The next generation of payment technology

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 customers' needs and less on managing payments infrastructure.

Company milestones

  • Form3 starts its business

    August 2016

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