Form3 partners with Apply Financial to make payments simple and secure

Form3, the cloud based end-to-end secure standard for global payments processing, today announced the partnership with Apply Financial, the specialist payments validation company. The deal will further enhance the Form3 Payments-as-a-Service platform with powerful automation services to validate, enrich, and fix single and bulk payments. Together this will allow clients to access payments schemes through a single API making payments processing, automation and integration easier.

The payments industry is undergoing massive change and disruption – key issues include the difficulties that come with fragmented, expensive and difficult to implement systems. Clients use Form3 to send and receive payments quickly, cost-effectively and reliably via the cloud, with no infrastructure requirements and minimal up-front investment.  By integrating Apply Financials API’s, clients will achieve 100% STP rates, as well as secure data and complying with regulatory requirements.

The Form3 cloud solution includes simple API’s for clients to easily connect with their banks and directly into payment systems such as Faster Payments, Bacs, SEPA, CHAPS and SWIFT, without a complex web of disparate technologies.

Mike Walters, Chief Product Officer at Form3, says: “Our goal is to simplify and streamline the payment process for our clients – so they can deliver better customer experience, gain greater operational control and operate cost effectively. Form3 clients needed to move away from dealing with a complex web of vendors and technologies and accept that highly customised systems and manual processes are a thing of the past. Our partnership with Apply Financial solves this problem for payment data quality with simple access to the full universe of payment validation services”.

Mark Bradbury, CEO at Apply Financial, said: “We are very excited to be working closely with Form3 as we have followed their progress with great interest. We share the same vision of providing quality API based technology to enable banks and Fintech’s to dramatically improve customer experience, automation and service levels”.


Form3 is a fresh approach to payment technology and servicing in the cloud. Form3 provides complete end-to-end Payments-as-a-Service for financial institutions and regulated financial technology firms. Reliable and secure cloud-based access to FPS, BACS, CHAPS, SEPA & SWIFT payment schemes and bank partnerships. The service is robust and reliable, trusted by the worlds leading financial institutions. Form3 streamlines and simplifies the operation and cost of payments processing, delivering value back to the business. Form3’s API is a single point of simple access to the full universe of payment schemes. Future-proofed at the point of delivery for complete peace of mind, the result is a straight-forward, easy to use and hassle-free Payments-as-a-Service. Visit


Apply Financial exists to make payments simpler.  For banks, non-banking financial institutions and corporates who depend heavily on automated payment process’, Apply provides validation solutions that integrate seamlessly into existing payment systems. Unlike any other vendor of validation solutions Apply has made a no-compromise commitment to reducing the cost, speeding up and simplifying the integration of these solutions.

Apply Financial focuses on the important validation element of the payment process. Unlike any other vendor of validation solutions we make a no compromise and commit to reducing the cost and simplifying the integration of our solutions whilst improving customer experience.We work with dynamic players in the Fintech arena, part of the fast-growing group of technology companies with global experience who are developing game-changing business models. We are supporting businesses to make international trade accessible to all, reducing cost and simplifying processes. We always strive to offer our clients the most innovative validation service available, providing unrivalled value, efficiency and transparency. Visit