Form3’s Unique Platform Delivers Zero-Downtime Payment Processing Using Multi-Cloud Architecture and a Single Code Base for Customers

Form3, the leading cloud-native account-to-account payments platform, today announced it is the only provider in live production delivering zero-downtime payment processing via a true multi-cloud architecture and a single code base. The platform currently processes over 4 billion in annual transaction volume for tier one banks including Mastercard, Nationwide, Lloyds, and Barclays.

Form3’s platform recently proved its resilience when a cloud provider experienced a 40-minute outage—without any interruption to service or dropped payments. The platform’s ability to seamlessly switch between Amazon Web Services (AWS), Google Cloud Platform (GCP), and Microsoft Azure ensures continuous availability and fault tolerance. This is critical in financial services, where even brief downtime can result in financial loss, regulatory exposure, and reputational damage.

In addition to its multi-cloud strategy, Form3’s single code base ensures consistent, secure, and efficient software delivery for all customers. This unified architecture allows for universal deployment of updates, patches, and new features without the delays and risks associated with fragmented codebases.

Handling more than 1,500 transactions per second, the platform is designed to scale efficiently, with each system component—such as payment processing and messaging—able to expand independently to meet customer demand without affecting performance.

Form3’s technology supports a broad range of domestic and international payment schemes. These include Bacs and Faster Payments in the UK; SEPA Instant, Credit Transfer, Direct Debit, and TIPS in Europe; and TCH RTP, FedNow, and soon FedWire in the US. The company is also exploring a new approach to ACH payments to support further U.S. market growth. Additionally, Form3 enables Open Banking services like Confirmation of Payee (CoP) and Verification of Payee (VoP) to help customers reduce payment fraud.

Trusted by top-tier financial institutions, Form3 is backed by strategic investors including Visa, Mastercard, Barclays, Nationwide, and Lloyds, who recognize the platform’s technological edge in real-time, scalable, and resilient payments.