Access SEPA Instant Payments

Real-time payments are rapidly becoming the new normal in Europe. Join the fastest growing instant payment community with SEPA.

our technology

Deliver the world of SEPA Instant payments to your customers

The European payments landscape is moving at pace with the emergence of new technologies, changing regulation and consumer demand. Deliver faster, easier and more efficient payment solutions to your customer.

Fast and efficient

SEPA Instant Payments are a fast and efficient way to process EURO(€) payments 24 x7

Grow quickly

Extend your geographic reach and grow your transactional base

Instant Clearing

Achieve fund clearing in seconds with real-time notifications. Settlement and reconciliation within the same business day

Smooth implementation

A proven track record of successfully implementing Payments-as-a-Service for our customers

Same day remittances

SEPA transfers are instant and allow your business to move money when you want

Full suite SEPA

Easily add SEPA Credit Transfer and SEPA Direct Debit as you grow further

Sepa models

Explore our SEPA Instant access models

Who is it for?

The SEPA Instant Credit Transfer service (SEPA Instant) for Direct Settling Participants is available to credit institutions eligible to hold an RTGS account in TARGET2.

How does it work?

Direct Settling Participants of the Form3 service are provided with direct technical access to the SEPA Instant system to exchange messages as a Participant. Settlement happens on the Participant’s account at TARGET2 and the participant manages its own liquidity in the prefunded system.

Who is it for?

The SEPA Instant Credit Transfer service (SEPA Instant) for Direct Non-settling Participants is available to credit institutions who don't want to manage their own liquidity, but still want to reap the benefits of direct technical access to the scheme.

How does it work?

Direct Non-settling Participants of the Form3 service are provided with the benefits of direct technical access to the SEPA Instant system where one of our partner banks will exchange messages as a participant for them. Settlement happens on the partner bank’s account at TARGET2 and they manage their liquidity in the prefunded system.

Who is it for?

The SEPA Instant Credit Transfer service (SEPA Instant) for Indirect Settling Participants is available to regulated financial institutions.

How does it work?

Indirect Settling Participants of the Form3 service are working with LHV that provides access to the SEPA Instant system to exchange messages. Settlement happens on LHV’s account at TARGET2 which also takes care of liquidity management.
sepa instant model 1
Michael Mueller

Instant payments is becoming the new normal

Michael Mueller

We help our customers to respond to changing market dynamics by facilitating access to ACH and Real-Time payment systems in the UK and Europe through a single payments API - providing them with the flexibility to develop new and exciting end-customer experiences.

Michael Mueller

CEO @ Form3

Our services

See our other services

Explore our offerings of payment services in the UK, Europe and globally

Are you ready to expand into Europe?