Pay by Bank adoption is accelerating in the UK, but success depends on more than consumer demand. As account-to-account payments scale, banks and fintechs need infrastructure built for real-time, always-on performance. Our latest blog explores what this shift means for merchants, banks and the future of e-commerce payments: https://form3.co/42SatTW
Form3
Financial Services
London, England 26,744 followers
We design, build and run the technology that powers the future of payments.
About us
Form3 develop payment technology. We offer a fully managed, payment technology platform for Financial Institutions as-a-Service. Our vision is to be the worlds most trusted provider of payment technology. We design, build and run the technology that powers the future of payments. Historically, banking leaders believed that infrastructure technologies were an asset for their financial institution because they were managed locally and could be customised. Form3 is changing this model and offering payments infrastructure as a service. A fully cloud native platform that is fully managed to lower costs across operations, infrastructure, security, upgrades, and change management. Form3 has proven that there is a cheaper, simpler, and more efficient way for FI's to handle large payment volumes and scale dynamically without a heavy infrastructure burden. We enable FI’s to benefit from the flexibility, business agility and speed to market that an API-first platform brings along with embedded services that ensure they are always future-ready. Form3 work with regulated financial institutions including large Enterprise banks and digital challenger banks including Lloyds Banking Group, Ebury, LHV, PPS, N26, Square, Aion Bank and others.
- Website
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https://form3.tech
External link for Form3
- Industry
- Financial Services
- Company size
- 501-1,000 employees
- Headquarters
- London, England
- Type
- Privately Held
- Founded
- 2016
- Specialties
- Payments, Banking, Cloud Software, SWIFT, Real-Time Payments, API's, Faster Payments, SEPA Instant, Fintech, Bacs, PSD2, Open Banking, SaaS, Payments as a Service, SEPA Direct Debit, SEPA SCT, Payments infrastructure, Digital transformation, Cloud native, financial services, financial institutions, re-platforming, Cloud native, Paas, banking infrastructure, Cloud native architecture, Payment technology, Paytech, European banks, and Payment infrastructure
Locations
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Primary
Get directions
7 Harp Lane
London, England, GB
Employees at Form3
Updates
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“We have a single API architecture. That API accommodates for both RTP and FedNow, so once it hits our platform, we have the flexibility to orchestrate between one and the other.” In the latest episode of the Payments Cannot Fail podcast, David Scola, US CEO at Form3 outlines how we are enabling US banks to build and scale their payments infrastructure in a way that enables them to meet their customers’ expectations of instant payments that work. Listen here: https://form3.co/48KJsW1 #USPayments #PaymentsOrchestration #FedNow #RTP #Form3 #PaymentsCannotFail
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Great to have our CRO, Mark Fieldhouse, and CFO, Benyam Hagos, at the E2E Scale-Up Summit in London last week, connecting with founders and scale-up leaders across the ecosystem. Mark also joined the panel discussion on “Customers, Retention & Lifetime Value”, sharing insights on how businesses can use customer and transaction insights to support smarter growth and stronger customer engagement. Snapshots from the day below 📸👇 #E2ESummit
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Packed room for Miriam Sheril and Mallory Czyzak, AAP, CTP session at Concepts 👏 Lots of interest in the conversation around what it really takes to move instant payments from “on paper” to real-world adoption, from last-mile challenges to creating customer value with RTP® and FedNow. Great to see the discussion resonating with so many people at The Clearing House Payments Authority (TCHPA) event this week.
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On the ground at Concepts 📸 Great to see Miriam Sheril and Robert Giurgea at The Clearing House Payments Authority (TCHPA) event this week with lots of great conversations happening.
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Great to see our CRO Mark Fieldhouse part of this London Technology Club discussion, with plenty of valuable perspectives on how AI is moving beyond the hype and into real-world impact 👏
An insightful discussion at our recent LTC event around 'Real World AI: In Business and Everyday Life’. A few key themes stood out: • AI is no longer experimental - it’s becoming operational infrastructure across industries. • Competitive advantage is shifting from models to proprietary data, workflows and trusted relationships. • The biggest challenge isn’t the technology - it’s organisational adoption and training people to use AI effectively. • The future is moving quickly from generative AI toward agentic systems, robotics and real-world automation. • The winners won’t simply be AI-first companies, but organisations that combine strong data, sector expertise, trust and practical implementation. A huge thanks to a fantastic group of founders, investors, academics and AI operators who sparked a lively debate: • Dr Kyle Keane - Senior Lecturer in Assistive Technologies at the University of Bristol, where he leads research at the intersection of AI, human cognition, and assistive technology design. • Mark Fieldhouse, CRO of Form3 - a cloud-native account-to-account platform that offers a range of payment solutions to financial institutions. • Noor Sweid - Serial entrepreneur, Founder of Dubai-based Global Ventures, named by Forbes magazine one of the 'World’s Top 50 Women in Tech’. • Alfred Manasseh - Cofounder at shaffra Technology Labs - an AI research lab building autonomous AI teams deployed in minutes. Trusted by governments and enterprises across the GCC and MENA. • Prof. Aleks Farseev - CEO of SOMIN, the Digital Ad Long-Tail targeting and creative optimisation platform driven by AI. • Prof. Stefan Zohren - Applied machine learning expert, Associate Professor at the Department of Engineering Science, University of Oxford. • Ed A. Albazii - Founder of Algominds - helping companies cut waster prospecting, boost revenue velocity and scale smarter with AI. • 🍷Moez Seraly Seraly - Founder of Perfect Cellar - a platform offering a blend of cutting-edge tech and sommelier expertise for a personalised experience for wine connoisseurs. The strongest message of the morning: successful AI adoption will come from solving real operational problems - not chasing hype. More here https://lnkd.in/ef9wC9-5 #LondonTechnologyClub #LTC #AI #VentureCapital #TechInvesting #Innovation
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What does it actually take to move instant payments from “on paper” to real-world impact? Miriam Sheril (Form3) and Mallory Czyzak, AAP, CTP (Comerica Bank) will be at Concepts, hosted by The Clearing House Payments Authority (TCHPA), digging into exactly that. From tackling the last mile challenges to making instant payments a true strategic priority, this session promises practical insights for any institution navigating RTP® and FedNow. 📍 Hudson Bay B 📅 Thursday May 14 | 10:00 AM If you’re attending, make sure it’s on your agenda 👇
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The US instant payments landscape has a problem nobody is talking about enough. FedNow and RTP are both live, but certain receivers are only accessible via one and not the other. In Episode 2 of Payments Cannot Fail, Form3’s US CEO, David Scola, breaks down why interoperability between the two rails is one of the defining challenges for US banks right now, and what it means for how payments need to be architected. Listen to the full episode here: https://form3.co/48KJsW1 #InstantPayments #FedNow #RTP #USPayments #Form3 #PaymentsCannotFail
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Form3 reposted this
Gautam Pillai , CFA speaks with Michael Mueller of Form3 about how the company was built to modernise outdated and complex bank payments infrastructure. In the conversation, Michael Mueller explains how Form3 provides the behind‑the‑scenes “plumbing” for real‑time payments‑as‑a‑service, sitting between banks and FinTechs to deliver a single, modern, cloud‑based connection to core payment systems such as Faster Payments, Bacs, CHAPS, SEPA and SWIFT. They discuss why real‑time payments are becoming a key growth area, how modern platform design supports scalability and resilience, and how increasing regulatory focus on operational resilience is reshaping the way critical payments infrastructure is built and operated. Watch the full conversation: https://lnkd.in/dB6USdWf
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The momentum continues 🎉 We’ve been shortlisted for Best Payments-as-a-Service Solution at the PayTech Awards 2026, our third finalist spot in recent weeks. A great reflection of the work happening across the team 👏 We’re looking forward to the ceremony in June. #PayTechAwards FinTech Futures