How it works

Modern APIs
on a cloud native platform

Form3's cloud native payment technology enables financial institutions to accelerate their digital transformation and scale quickly across markets.

End-to-end payment processing
in real-time

We have a complete Payments-as-a-Service offering for your mission critical payments operations. You can focus your resources on delivering value to customers, and not on maintaining legacy payments infrastructure. Form3 follows a dev-ops approach with focus on information security, delivering a continuously updated and secure platform that has high availability.

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.

Optimise operational efficiency

Remove the burden of maintaining complex payments infrastructure and benefit from Form3's regular platform enhancements.


Form3 always ensures that the platform scales to meet current and future customer demand.

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.