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The Financial Fabric Connecting Europe's Payments
Behind every payment is a critical moment for your end customer. These transactions need to arrive securely, on time, and without disruption. Form3’s financial fabric offers certainty by simplifying the complexity of European payments operations.
THE PLATFORM
Connecting European Payments Through a Single API
Access SEPA Instant, SEPA Credit Transfer, SEPA Direct Debit, and Verification of Payee through a single cloud-native platform. Form3 simplifies scheme connectivity, regulatory change, and ongoing operations, helping financial institutions expand across Europe and deliver for customers with greater speed, control, and confidence.
WHY FORM3
Powering the Future of European Payments
Proven at Scale
Form3 processes billions of transactions annually and supports financial institutions globally, providing a trusted foundation for payments across Europe.
Built for Real-Time
Support a range of SEPA payment types, including instant and bulk processing, enabling financial institutions to deliver payment experiences that meet varying speed and customer requirements.
Resilience as Standard
Rely on multi-cloud architecture for continuous operation and maintaining payment flows.
Accelerate Modernization
Replace complex legacy infrastructure with a single, API-driven platform that reduces operational burden and accelerates delivery of new payment services. Test new capabilities in our simulator.
EUROPE SOLUTIONS
SEPA Instant (Instant Credit Transfer)
Connect to SEPA Instant Credit Transfer through a cloud-native infrastructure designed for always-on processing. Form3 helps financial institutions simplify connectivity to deliver faster and more efficient payment solutions to their customers.
BUILD WITH SEPA INSTANT
SEPA (DD, CT)
Support widely used payment flows throughout the SEPA region with fully managed services for SEPA Direct Debit and SEPA Credit Transfer. Form3 simplifies connectivity and assures resilience to ensure payments keep moving.
BUILD WITH SEPA DD, CT
Verification of Payee (VoP)
Verify payee details before payments are sent with a fully managed, EPC-compliant service built for the SEPA ecosystem. Form3 simplifies connectivity and ongoing scheme compliance through a single API, helping financial institutions reduce fraud, prevent misdirected payments, and strengthen customer trust.
BUILD WITH VOP
FEATURED RESOURCES
Expertise Behind the Infrastructure
Explore Form3’s expertise across our solutions, platform, and people as we continue building the financial fabric for resilient, scalable payments worldwide.
PODCAST
From Payment Rails to Connectivity
In Episode 5 of Payments Cannot Fail, David Watson, President & CEO of The Clearing House, joins Form3 CRO Mark Fieldhouse to explore how payment infrastructure is evolving from traditional payment rails towards a world of connected value.
WATCH NOW
Payment insights · Blog
As certificate volumes mushroom, so do their risks and the potential for outages
Form3’s new Trust Fabric offering supports firms to manage their certificate estate, maintain visibility, automate renewals and mitigate the risk of expired or unknown certificates bringing down a whole service.
READ MORE