Modern API's on a Cloud Native platform

Form3's cloud-native payment technology enables banks and fast growing Fintechs to accelerate their digital transformation and scale quickly across markets.

our process

End-to-end Payment Processing in Real-time

Form3 provides a complete Payments-as-a-Service for your mission critical payments operations so you can focus on delivering value to your customers, and not on maintaining IT infrastructure.
Form3 handles the end-to-end processing from the first customer interaction.
  • No customer code resides in our environment.
  • No planned outages. Ever.
  • No infrastructure updates, maintenance or scheme changes to manage.

Optimise operational efficiency

Remove the burden of maintaining complex payments infrastructure, security and updates.

Shield from change

As a fully managed Payments-as-a-Service, Form3 shield you from scheme rules changes and regulatory standards updates.

Innovate at pace

Focus on innovating and servicing your customers quickly rather than maintaining complex payments infrastructure.

Built for innovation, scale and speed

form3 innovation

Infrastructure as Code

Microservice function based architecture

Containerised and orchestrated infrastructure

Continuous integration and continuous delivery

Autoscaling and self-healing

Continuous external monitoring of API availability and performance

our benefits

Benefits of the platform

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.


We're a product of technology that's made for the modern age with 99.99% uptime


Our platform is multi-tenanted which means you benefit from economies of scale; a single platform that's always on and always updated.
Form3 schemes illustration

our schemes

A universe of payment schemes at your disposal

Form3 schemes illustration
Whether you are looking to conduct business in the UK or on the mainland of Europe, our platform provides you with access into the real-time payment schemes you need. Easy to integrate with an implementation time as little as 8 weeks, depending on the payment scheme of choice.

our technology

One single integration point for all European payment services

Platform-based models with interconnected microservices and APIs are all making it much easier to provide a more mobile and flexible proposition.
  • Highly scalable (i.e. hardware capacity can be increased or decreased rapidly)
  • Available 24/7 x 365 - rolling deployments can be made with no downtime
  • Highly resilient over multiple data centres - active-active-active
  • Faster and more accurate - less back office layers and fewer process steps

I've been in and around payments since the founding days of PayPal. Nowhere have I seen a payments platform as modern, clean and easy to integrate with as Form3. Their deep understanding of global payments, together with their responsiveness and technology, make payments beautifully simple to the provider and almost invisible to the customer.

Bill Harris

Former CEO oF Intuit and Personal Capital


Fully accredited and secure

Quickly access payment schemes across Europe, with an easy-to-use JSON RESTful API with 99.95% uptime. 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).

ISAE3000 Type 2 Certified

Independent auditors have provided assurance of Form3 effectiveness of the Payments-as-a-service security controls.

ISO27001 Certified

ISO 27001 is the international standard for Information Security Management and demonstrates Form3’s commitment to Information Security Management.

ISO22301 Certified

Form3’s business continuity framework has been independently validated to ensure the optimisation of planning, execution and appraisal of BCP activities.

Advanced Partner

Form3 is an AWS Advanced Partner, Financial Services Competency Certified and part of their partner network
Form3 integration illustration

With Form3 integration is quick and simple

Form3 integration illustration
Form3 has a proven track record of successfully implementing Payments-as-a-Service for major bank and Fintech customers. More than half of all participants that joined the FPS 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.
  • Comprehensive Form3 Staging environment.
  • Dedicated scheme onboarding process, security assessment, scheme assurance and live testing.
  • 24/7/365 service and support upon go live.

Want to learn more?

Keep up to date with all the latest Form3 customer news and industry announcements