Form3 expands strategic partnership with SumUp to bring real-time SEPA payments to millions of European small businesses

EU· 2min February 25, 2026

SumUp extends use of Form3’s platform to SEPA Instant, SEPA Credit Transfer and SEPA Direct Debit

Form3’s platform reduces the complexity of entering new markets and supports scaling payment volumes

Form3, the secure cloud-native account-to-account global payments platform, today announced a significant expansion of its partnership with SumUp, as the global fintech extends its use of Form3’s payments platform to support European payment schemes.

SumUp, which supports more than 4 million merchants across 37 countries, has adopted Form3’s platform for European payments including SEPA Instant, SEPA Credit Transfer and SEPA Direct Debit. This builds on SumUp’s existing partnership with Form3 for UK payments, where it already connects to Faster Payments and Bacs, and marks a significant step in delivering faster, more consistent payment experiences for merchants.

In line with SumUp’s mission to ensure that all businesses can thrive, this expanded partnership will consolidate multiple payment capabilities through a single provider, simplifying SumUp’s payments infrastructure, reducing operational complexity and enabling merchants to unlock growth across markets.

Form3’s platform supports continuous, high-volume payment processing and is designed to meet the evolving requirements of regulated payment environments.

Through Form3’s platform, SumUp can continue to add new payment rails and expand into additional markets while maintaining compliance with relevant regulatory requirements. This enables consistent payment services as volumes increase and SumUp continues to expand across regions.

We’re pleased to support SumUp’s European payments, building on our existing UK partnership. As fintechs grow to operate across multiple markets, they need payments infrastructure that is reliable and straightforward to run. Using one platform across regions helps reduce cost and complexity and supports efficient growth.

Form3’s platform enables partners like SumUp to expand their payments capabilities without having to make significant changes to their underlying infrastructure or endure complex onboarding processes. This allows them to stay focused on their customers.

Edward Wilde · Chief Technology Officer

Antoniya Ditsova, Product Lead - Global Bank at SumUp, said: “Our mission is to make business simple for our 4 million merchants. Expanding our partnership with Form3 helps streamline our payments infrastructure and strengthen our access to European payment schemes. This integration allows us to offer SEPA Instant capabilities, ensuring that our customers can move money as fast as they do business. It’s a vital component of our growth as we continue to build the world’s most complete financial toolkit for small businesses.”

About Form3

Form3 is the account-to-account platform. Founded in 2016, Form3 set out to revolutionise the world of payment processing and disrupt the traditional payment infrastructure model, with an always-on, cloud-native, Payments-as-a-Service platform.

Today, Form3 is trusted by some of the UK’s and Europe’s biggest Tier 1 banks and fastest-growing fintechs to handle their critical payments architecture. Form3 has been included in the 2025 Lazard T100 Index and was listed in the 2024 Top 100 Scale-ups in Europe.

The company has also been awarded Best Payments-as-a-Service Solution for Banks & FIs at the Fintech Futures Paytech Awards 2025, PayTech Company of the Year at the Fintech Awards London 2025, and the 2025 Celent Model Bank Award, in partnership with Nationwide & Accenture.

About SumUp

SumUp is a leading global financial technology company driven by the purpose of levelling the playing field for businesses of all sizes, with the vision of a world where everyone can build a thriving business.

Founded in 2012, SumUp is the financial partner for more than 4 million small merchants in 37 markets worldwide, helping them start, run and grow their business. Coming from the payment space, SumUp today supports its merchants across its main three pillars: payment, POS, and account & card. Through its SuperApp, SumUp can provide merchants with a free business account, merchant cash advance options, an online store, and an invoicing solution – as well as in-person and remote payment acceptance seamlessly integrated with SumUp’s card terminals and point-of-sale registers.

SumUp is committed to leveraging its success to make the world a better place, pledging 1% of the net revenue generated by Solo devices to support environmental causes and advocating for educational and entrepreneurial projects around the world. SumUp has been recognised as a Top Global Employer for inclusion by the Stonewall Workplace Equality Index.

For more information, please visit https://www.sumup.com/en-gb