US SOLUTIONS: US INSTANT
Instant Payments without the Complexity
We enable access to RTP, FedNow and Zelle through a single API. Financial institutions can deliver immediate payments, while reducing the operational burden of integrating and managing multiple rails.
WHY FORM3
A Foundation for Real-Time Payments
In the US, instant payments are fast becoming the standard. Businesses are now sending larger, more time-sensitive payments in real time, and expectations for speed, reliability, and transparency are rising just as quickly.
However, many institutions continue to rely on legacy systems that were not designed for real-time processing, leading to fragmented workflows across payment types, operational overheads and slower rollout of payment capabilities.
Form3 abstracts rail connectivity and infrastructure into a single platform, simplifying the payments process.
Simplify Multi-Rail Access
Access RTP, FedNow and Zelle through a single API, removing the need to integrate with multiple real-time payment networks.
Deliver Faster Time to Value
Launch real-time payment capabilities more quickly by avoiding complex, rail-by-rail integrations.
Lower Cost of Ownership
Avoid building and maintaining separate integrations for each network, reducing infrastructure and operational overhead.
Built for Resilience
Rely on multi-cloud architecture that ensures continuous processing, supporting always-on real-time payments across US networks.
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
The Clearing House RTP Network – Direct
This instant payment connectivity option is available for insured depository institutions who have established a pre-funded joint account at the Federal Reserve.
Customers using this access model are provided with direct technical access through our single API to The Clearing House RTP system to exchange messages as a clearing participant. Settlement takes place on the participant’s settlement account or their funding manager, allowing customers to manage their own liquidity in this pre-funded system.
In addition, our Intelligent Routing function allows for transactions to be automatically routed to either alternative instant, wire or ACH for same-day or next-day delivery.
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