Form3

Form3’s cloud-native Payments as a Service platform gives banks and fintechs real-time scheme connectivity through a single API.

Give payment operations teams secure, self-serve observability and control to investigate issues without escalating to engineering.

Form3 orchestrates and intelligently routes payments across schemes for banks and fintechs, with automated workflows and real-time decisioning.

Access real-time payment schemes across the US, UK and Europe through a single API - built for banks and fintechs, not merchants.

Stories from Form3 teams about wellbeing, experiences, remote working, and ESG practices.

The page explains how banks and fintechs use Form3’s account-to-account payments platform for real-time, scalable payments.

The page shares Form3’s latest engineering blog posts and event recaps from platform and infrastructure teams.

Explore Form3 resources including payment insights, press releases, engineering blog posts, and culture stories.

The page lists Form3’s latest press releases on product innovation, partnerships, fundraising, and payments infrastructure.

Form3 offers remote-first careers in payments technology, focusing on real-time infrastructure.

The page highlights Form3’s culture of transparency, ownership, and flexible remote-first work.

The page lists current open roles at Form3 in engineering, product, and payments technology.

Form3’s ISO 27001 and SOC 2 Type II accreditations verify the security of its payments platform.

Form3 outlines its efforts to reduce environmental impact while building resilient financial infrastructure.

Founded in 2016, Form3 has processed over 10 billion payments, building the cloud-native infrastructure behind resilient bank payments.

Form3’s partner ecosystem includes banks, fintechs, cloud providers, and system integrators delivering payments infrastructure.

The page invites contact with Form3 for discussions on real-time payments infrastructure.

Form3 is the account-to-account payments platform trusted by banks and fintechs for real-time, resilient payments across North America, United Kingdom and Europe.

The page describes how Form3 uses cookies on its website and how users can manage preferences.

Form3’s Data Privacy Statement explains how it collects, uses, and protects personal data in compliance with law.

How Form3 collects, uses and protects personal data during the recruitment process.

The page details third-party code licensed to Form3 for use and redistribution on its website.

Form3’s Modern Slavery Statement describes its commitment to preventing slavery and human trafficking.

The terms and conditions governing use of Form3’s website and services.

Form3 introduces an AI-powered payments platform that provides banks and fintechs with read-only access to payment data via an MCP adaptor. The platform integrates artificial intelligence to enhance payment processing capabilities for financial institutions. This move aims to streamline transaction handling and improve operational efficiency in the payments ecosystem.

Sep 2026thepaypers.comNews article

Form3 and SumUp are extending their collaboration to support SEPA Instant, Credit Transfer, and Direct Debit for European merchants. The expanded partnership aims to streamline cross-border payment processing across the EU. Both companies specialize in financial infrastructure, with Form3 providing payment processing technology and SumUp offering merchant solutions.

Feb 2026thepaypers.comNews article

Form3 secures strategic investment from Nationwide and a debt facility from BlackRock-managed funds to expand its A2A (account-to-account) payments infrastructure in the US market. The funding supports Form3’s growth in real-time payment processing and financial services technology.

Oct 2025Open Banking ExpoNews article

British Patient Capital and existing shareholders inject £46m into Form3, a payments firm, raising its valuation to £436m. The funding extends the company’s Series C round, supporting its growth in financial transaction processing. Form3 specializes in high-performance cloud-based payment infrastructure for businesses.

Sep 2024BusinessCloudNews article