Cloud-native account-to-account payments platform
Form3 is an account-to-account payments platform founded in 2016. It provides cloud-native, API-first infrastructure that connects banks and fintechs to payment rails across North America, the UK, and Europe. Customers publicly associated with the platform include banks such as Barclays, Santander, and JP Morgan and fintechs such as Klarna, Mollie, and SumUp. In September 2026 Form3 announced AI agent-ready payments infrastructure with a read-only Model Context Protocol (MCP) adaptor.