US SOLUTIONS: US (ACH, EPN)
Modern ACH without Operational Burden
Form3 provides access to US ACH rails through a single, cloud-native platform. Financial institutions can process high-volume payments more efficiently while reducing the complexity and risk of legacy infrastructure.
WHY FORM3
Power the Payments Businesses Rely On
ACH remains critical for many payments use cases in the US such as payroll, billing, and B2B, but most systems were built for a different era, leading to fragmentation, costly operational overhead and limited flexibility. As payment volumes grow and expectations increase, legacy ACH environments become harder to scale and maintain.
Form3 abstracts scheme connectivity and infrastructure into a single platform, simplifying how payments are operated.
Reduce Exposure to Outdated Technology
Utilize Form3’s modern, cloud-native solution to support ACH processing while removing reliance on obsolete hardware and software.
Provide Real-Time Processing
Use Form3’s API and webhook notification capabilities to process ACH payments and status notifications in real-time.
Lower Cost of Ownership
Reduce reliance on legacy batch infrastructure, lowering operational cost and ongoing maintenance effort.
Built for Resilience
Rely on Form3’s cloud-native, multi-cloud architecture to process high volumes of batch payments, without downtime.
Ensure Success in Production
Test new capabilities in our simulator and rest assured in the knowledge that success in staging will mean success in production.
RAIL CONNECTIVITY
Connect to the Following Rails
ACH - Direct
The US ACH Direct option is available to financial institutions that are eligible to hold membership/settlement accounts with TCH and/or the Federal Reserve.
Customers using this access model are provided with direct technical access through our single API to the EPN and FedACH clearing systems in order to exchange files as a direct participant.
Settlement takes place on the participant’s settlement account with customers managing their own Federal Reserve account.
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