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Full detail: Where this data comes from
Form3 is a United Kingdom-headquartered, cloud-native payments technology company offering account-to-account payment processing as a single, unified REST API to banks and fintechs. Founded in 2016 and based in London, Form3 runs a fully managed Payments-as-a-Service platform connecting customers to domestic and cross-border schemes — UK Faster Payments, Bacs and CHAPS, SEPA Credit Transfer, SEPA Instant and SEPA Direct Debit, and US instant rails — alongside Confirmation of Payee / Verification of Payee name-checking, direct debit mandate management, scheme-addressable account identification, event notifications (webhooks), and full audit trails.
The public API is REST built on the json:api specification, documented at api-docs.form3.tech with a downloadable Swagger 2.0 definition (host api.form3.tech, basePath /v1, 163 paths). Authentication is OAuth2 client-credentials plus HTTP Message Signatures request signing, with mutual TLS supported in some environments. Form3 is API-native and developer-facing, but is a regulated B2B rail rather than an open self-serve signup product — production access is contracted.
APIs.json: https://raw.githubusercontent.com/api-evangelist/form3/refs/heads/main/apis.yml
- Payments
- United Kingdom
- Payment Processing
- Account-to-Account
- Real-Time Payments
- Faster Payments
- Bacs
- SEPA
- Direct Debit
- Confirmation of Payee
- Cross-Border
- Banking-as-a-Service
- Embedded Payments
- Created: 2026-07-24
- Modified: 2026-07-24
The unified Form3 Public API — a single REST API built on the json:api specification that connects banks and fintechs to domestic and cross-border payment schemes. Swagger 2.0, 163 documented paths.
- Human URL: https://www.api-docs.form3.tech/
- Base URL:
https://api.form3.tech/v1 - OpenAPI
- API Reference
- Getting Started
Send and receive account-to-account payments across UK Faster Payments, Bacs, CHAPS, SEPA and US instant rails, and handle exceptions (rejections, returns, reversals, recalls).
- Human URL: https://www.api-docs.form3.tech/api/tutorials/getting-started/send-a-payment
- Base URL:
https://api.form3.tech/v1 - OpenAPI
Originate and receive Bacs and SEPA direct debits, manage mandates, and process indemnity claims.
- Human URL: https://www.api-docs.form3.tech/api/tutorials/bacs/direct-debit-instructions-for-originators
- Base URL:
https://api.form3.tech/v1 - OpenAPI
Generate scheme-addressable account numbers, validate UK sort code / account number pairs, and run Confirmation of Payee / Verification of Payee name-checking.
- Human URL: https://www.api-docs.form3.tech/api/tutorials/confirmation-of-payee/cop-tutorial
- Base URL:
https://api.form3.tech/v1 - OpenAPI
Submit and receive bulk payment instructions and scheme messages as files (Transaction File / Scheme File).
- Human URL: https://www.api-docs.form3.tech/api/tutorials/bacs/send-transactions-in-a-file
- Base URL:
https://api.form3.tech/v1 - OpenAPI
Subscribe to and receive signed event notifications (webhooks) for payment and platform lifecycle events, and verify them.
- Human URL: https://www.api-docs.form3.tech/api/tutorials/event-notifications/subscriptions-for-event-notifications
- Base URL:
https://api.form3.tech/v1 - OpenAPI
Manage users, roles, access-control entries and public keys under a flexible security and approval model, and read audit trails and platform metrics.
- Human URL: https://www.api-docs.form3.tech/api/tutorials/security/create-a-read-only-user
- Base URL:
https://api.form3.tech/v1 - OpenAPI
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