Payment technology reimagined for financial institutions
We are revolutionising the way payments work from channel to payment scheme. We remove reliance on outdated, complex and costly payments infrastructure through provision of a modern, cloud-native, real-time account-to-account payment platform.
Cloud-based payment technology
We provide an enterprise-grade payment technology platform on the cloud, built using microservices. The platform was designed, from inception to be highly scalable, adaptable and resilient. We adopt a ‘build to run’ development approach with monitoring alerting and reporting all built into the platform.
Applied innovation
Keep up with changing environments, channels, schemes, and regulations. Form3 insulate customers from the changing payments landscape and alleviate the burden of inflexible and unscalable technologies that restrict growth and opportunity.
Growth built in
Dynamically scale as payment volumes peak. Form3 was designed, from inception, to provide our customers the tools to enable their growth. Clients can build on top of our technology, comfortable, knowing it is future proof, risk resilient and will scale along with their growth.
Setting the standards
Remove the burden of maintaining back-office payments infrastructure, compliance and security. Form3 shields customers from regulatory changes. Form3 understand not just our clients technological needs, but their business needs and the frustrations and impact of managing payments.
Strength in collaboration
Gain control of complete payment processing, clearing and settlement without the costs and frustration of management.
Applied innovation
Keep up with changing environments, channels, schemes, and regulations. Form3 insulate customers from the changing payments landscape and alleviate the burden of inflexible and unscalable technologies that restrict growth and opportunity.
Growth built in
Dynamically scale as payment volumes peak. Form3 was designed, from inception, to provide our customers the tools to enable their growth. Clients can build on top of our technology, comfortable, knowing it is future proof, risk resilient and will scale along with their growth.
Setting the standards
Remove the burden of maintaining back-office payments infrastructure, compliance and security. Form3 shields customers from regulatory changes. Form3 understand not just our clients technological needs, but their business needs and the frustrations and impact of managing payments.
Strength in collaboration
Gain control of complete payment processing, clearing and settlement without the costs and frustration of management.
Technological innovation
We remove the need and complexity of managing critical, evolving payment infrastructure, scheme rule changes and regulatory updates. It's all embedded into our platform.
Thought Leadership · 3 min
Real-time payments: A revenue opportunity for mid-sized banks
For many mid-sized banks, real-time payments (RTP) still feel like a technological challenge rather than a business opportunity. The perception that RTP is complex, expensive, or primarily suited for large institutions has kept many banks from fully exploring its benefits. However, in reality, RTP is not just an operational upgrade—it is a revenue-generating tool that can help banks retain customers, attract new business, and improve efficiency.
March 13, 2025
Thought Leadership · 3 min
Verification of Payee Deadline: What Banks Must Do to Meet EPC Requirements
With the 2025 deadline for the Verification of Payee (VoP) scheme fast approaching, financial institutions must act now. Learn how EPC regulations impact SEPA payments and instant transactions.
March 4, 2025
Thought Leadership · min
Building resilience in payments: Why multi-cloud is the future
In the world of financial services, resilience isn’t a nice-to-have—it’s the foundation on which trust is built. Whether it's processing mortgage payments, ensuring businesses can pay their suppliers, or enabling everyday card transactions, the reliability of payment infrastructure is non-negotiable. Customers expect instant access to their money, and regulators demand that financial institutions maintain robust contingency plans to avoid catastrophic service failures.
March 4, 2025