EUROPE SOLUTIONS: SEPA (DD, CT)
Simplified Payments Infrastructure
Form3 enables banks and fintechs to access SEPA Credit Transfer and Direct Debit through a single, cloud-native API.
By replacing fragmented, legacy integrations with a unified platform, Form3 simplifies how SEPA payments are processed and managed. This reduces operational complexity and enables reliable payment processing at scale.
WHY FORM3
Modernize European Payment Processing
SEPA Direct Debit and SEPA Credit Transfer remain critical to the movement of money across Europe, yet many institutions are relying on outdated legacy technology that is costly to manage and difficult to scale.
Form3 simplifies scheme connectivity with an API accessible, cloud-native platform that reduces operational complexity and supports high-volume payment processing.Â
Simplify Scheme Access
Access SEPA Credit Transfer and Direct Debit through a single API, removing the need to integrate with multiple schemes and interfaces.
Faster Implementation
Launch SEPA payment capabilities more quickly by replacing complex, scheme-specific integrations with a standardized platform.
Lower Cost of Ownership
Eliminate the need to maintain in-house payments infrastructure, reducing operational cost, risk, and engineering overhead.
Built for Resilience
Rely on multi-cloud architecture for continuous operation, maintaining payment flows even in the event of a single cloud provider outage.
SCHEME CONNECTIVITY
Connect to the Following Schemes
SEPA Direct Debit - Direct
The SEPA Direct Debit (SDD) service for Direct Settling Participants is available to credit institutions eligible to hold a settlement account in T2.
Customers using this access model are provided with direct technical access, through our single stack API, to the SEPA Direct Debit clearing system to exchange messages as a clearing participant.
Settlement takes place on the participants’ settlement account in T2, with customers managing their own liquidity in this gross settlement system.
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