Form3 is a cloud-native payment technology platform provider based in London, UK. Founded in 2016, the company specializes in enterprise-grade payment processing solutions for financial institutions. Form3 processes over £4 billion in annual transaction volume and serves major banks such as Mastercard, Nationwide, Lloyds, and Barclays. The core offering is a fully managed Payments-as-a-Service platform built on a microservices architecture. This platform features a multi-cloud setup that ensures zero-downtime payment processing and real-time transaction handling. Financial institutions benefit from a single API integration that simplifies access to multiple payment gateways and services. Form3 also provides comprehensive payment services, including payment orchestration, fraud prevention, and regulatory compliance management, allowing clients to focus on their core business. The platform is designed for scalability and resilience, making it suitable for both large enterprise banks and digital challenger banks across the US, UK, and EU markets.