How it works

Paving a path to payments as a platform strategy

Form3 is changing the way modern payment systems are built and consumed. Banks need a scalable platform to deliver the breadth and depth of capabilities to meet their evolving needs.

A modern and hyperscalable platform.

Deliver cost efficiencies, a breadth of capabilities and rapid innovation all through our single platform. At Form3 we provide financial institutions access to multiple gateways as well as overlay services all through a single API integration.

Shield from change

As part of Form3's fully managed Payments-as-a-Service offering, you will be shielded from scheme rules changes and regulatory standards updates as Form3 handles these on your behalf. Leaving you to prioritize revenue-generating opportunities

Configurable functionality

Through our single platform and one time integration financial institutions can access a wealth of complementary payment solutions. From end to end scheme functionality to fraud prevention and payment orchestration.

Resiliency is built in

Our platform combines the most advanced multi-cloud technology. By utilising a multi-cloud architecture we provide assurance of continous availability whilst removing concentration risk associated with single cloud providers.

Our benefits

Transparent pricing

Gain exact insights to the costs attached to processing and stop getting unwelcome surprises

Move money instantly

Get access to the instant payment schemes you need to conduct business

Fully managed

We don't just give you the technology; we deliver a service that enables your business to grow and succeed

Stay up to date

We do the technical integration, automated scheme, and regulatory updates so you don't have to. It's all built into the platform


Our platform designed to be highly available with industry leading resilience


Our platform is multi-tenanted which means you benefit from economies of scale.
Our customers collectively benefit from all new features released onto the platform

Fully accredited and secure

Quickly access multiple payment schemes, with an easy-to-use JSON RESTful API. Try out our highly secure API with request signing that is used to ensure confidentiality, data integrity, message authentication and non repudiation (proof of content and origin). Data on our platform is encrypted in transit and at rest using strong cryptography according to NIST standards. Storage and processing of this data is designed in accordance with GDPR and includes GDPR model clauses.

Form3 build, maintain and continuously improve a security management system and security framework consisting of an Information Security Management System (ISMS) and Business Continuity Management System (BCMS) that includes alignment to the NIST Cyber Security Framework (CSF).

Why choose our platform

Our platform handles everything so you can focus more on serving your customer's needs and less on managing payments infrastructure.

Accelerate product innovation

Deploy new products instantly to improve the customer experience. Gain speed to market and a competitive edge.

Dynamically scale as you grow

Scale on-demand as payment volumes grow. Access the full spectrum of payment schemes and future proof against technical scheme changes.

Reduce your operational risk

Remove the burden of maintaining back-office payments infrastructure, compliance and security. Form3 shields customers from regulatory changes.

Trusted by our clients

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Our integration is quick and simple

More than half of all participants that joined the UK Faster Payments scheme in 2019/20 were onboarded with Form3. The nature of our API, our experience and expertise means we can onboard customers very quickly. Our dedicated teams work alongside our customers at every step and develop a collaborative timetable and roadmap to guide you into live service.