What we offer

Form3 is a processing platform for licensed payment providers. We are developing a complete payments back-office service, with intelligent algorithms to optimise routing, costs and performance.

  • Simple single API, PSD2 ready
  • Modular and configurable structure, to fit your needs
  • Pay-per-transaction no big up front costs
  • No infrastructure hardware or software to manage
  • Enterprise grade security for access and data management
  • Real time processing, 24 x 7 x 365
  • Highly resilient, 24/7, high speed and high availability >99.95%

Services overview

Form3’s payment processing engine and APIs integrate with – and are dedicated to – the wholesale payments market, offering access to Bacs, Faster Payments (batch & real-time), CHAPS, SWIFT and SEPA payments schemes.

Our single set of APIs enables universal access to these schemes and value added services:

  • → Easy access for clients via one platform
  • → Potential to expand services without impacting the user experience
  • → Integrated payment accounts and sanction checking
  • Admin UI
  • Payments Ops UI
  • Monitoring UI
  • Payment API
  • Customer Account API
  • File Exchange API
  • Subscription API
  • Query API
  • Bulk payment and reporting channel, supporting multiple payment types and multiple formats.
  • Format Conversion
  • Content validation
  • Payment work flows
  • Reporting work flows
  • Business rules
  • Reconciliation
  • Exception management
  • Authorisation work flows
  • Batching / Un-batching
  • Smart routing
  • Reporting
  • Alerts
  • Audit
  • Billing
  • Monitoring
  • Dashboard
  • Sanctions screening
  • Data validation
  • Direct debit mandate
  • FX rates
  • Proprietary connections to account holding banks.
  • FPS Real-time
  • Bacs & FPS Files
  • Bacs Direct Debits
  • International (SWIFT)
  • SEPA
  • Real time links to external SaaS services providers and client side infrastructure.

Instead of dealing with a complex web of vendors, technologies, customisation, business functions and manual processes, our clients use Form3 to send and receive payments quickly, cost-effectively and reliably via the cloud, with no infrastructure requirements and minimal up-front investment.

The Form3 Financial Cloud brings together every component that is required for payments processing:

Core Banking (DDA) API Management Messaging Services Payment Engine Aggregator / Gateway Form3 Financial Cloud
Account ledger - - - -
REST API - - - -
Flexible Integration - - -
Validation - - - -
Flexible Payment workflow - - - -
Clearing Scheme Connectivity - - - -
Bank Connectivity - - - -
Multi-Tennant, Hosted - - -
Low Cost Setup - - - -
Easily Scalable - -
Low Cost Transaction Fees - - - -

A new way to access payments, that grows with your ambition

Let's collaborate

We are using cookies to give you the best experience of our website, and improve our services. By pressing the button, or continuing to browse the site, you accept our use of cookies as defined in our cookie policy.