Form3 provides a cloud-native, real-time payment technology platform to enable banks and regulated fintechs to create amazing products and experiences. Form3’s fully managed service streamlines and simplifies the operation and cost of payments processing, delivering value back to the business. Form3’s powerful microservices architecture and API’s provide a single point of access to the full universe of payment schemes, with no hardware or software required by our customers. Services include processing for UK and Europe (FPS, BACS, CHAPS, SEPA, SEPA Instant & SWIFT). The service is robust, reliable and trusted by the world's leading financial institutions. Future-proof at the point of delivery for complete peace of mind, Form3 insulates customers from change and enables access to the latest payments industry innovations. The result is a straightforward, easy to use and hassle-free Payments as a Service.