# Form3

**Canonical:** https://apis.io/providers/form3/  
**Website:** https://www.form3.tech/  
**APIs profiled:** 7

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 headquartered in London, Form3 runs a fully managed, Payments-as-a-Service platform that connects 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. Its public API is REST built on the json:api specification, documented at api-docs.form3.tech with a downloadable Swagger 2.0 definition, and authenticated with OAuth2 client-credentials plus HTTP Message Signatures request signing and, in some environments, mutual TLS. 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.

## Kin Score — 53.6 / 100 (developing)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 53.6).

| Facet | Score |
|---|---|
| Discoverability | 92.6 |
| Contract Quality | 50.7 |
| Governance | 11.5 |
| Operational Transparency | 55.3 |
| Developer Ergonomics | 62.5 |
| Commercial Clarity | 36.8 |

Regulatory layer — **Payments**: 71.9 (matched via tags).

## Agent readiness — 47.1 (agent-native)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| MCP Server | derived |
| Auth Clarity | yes |
| Idempotency | documented |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | yes |
| Agent Card | no |
| Dry Run Mode | no |

## APIs (7)

- **Form3 Public API** — 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, covering paym...
- **Form3 Payments API** — Send and receive account-to-account payments across supported schemes - UK Faster Payments, Bacs and CHAPS, SEPA Credit Transfer, SEPA Instant, and US instant rails - and handle...
- **Form3 Direct Debits & Mandates API** — Originate and receive Bacs and SEPA direct debits, manage direct debit mandates, and process indemnity claims. Represented by the DirectDebits, DirectDebitsReads and Mandates op...
- **Form3 Account Identification & Verification API** — Generate and manage scheme-addressable customer account numbers, validate UK sort code / account number combinations, and run Confirmation of Payee (UK) and Verification of Paye...
- **Form3 Files API** — Submit and receive bulk payment instructions and scheme messages as files. Represented by the Transaction File API and Scheme File API operations under /files in the Form3 Publi...
- **Form3 Event Notifications API** — Subscribe to and receive event notifications (webhooks) for payment and platform lifecycle events, and verify their signatures. Represented by the Subscriptions and notification...
- **Form3 Security & Access API** — Manage users, roles, access-control entries and public keys under a flexible security and approval model, and read full audit trails and platform metrics. Represented by the Use...

## MCP servers (1)

- **form3-mcp.yml**

## Agentic access (1)

- **Form3 Agentic Access** — 205 operations · 84 acting · 2 human-in-the-loop

## Security (4)

- **Form3 Authentication** — http/oauth2 · 2 schemes
- **Form3 Domain Security** — TLSv1.3 · HSTS · DMARC
- **Form3 Vulnerability Disclosure** — security.txt · contact published
- **Form3 Trust Center** — SOC 2, ISO 27001, ISO 27017, ISO 27018

## Tags

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

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/form3/). Scores are computed from the provider's own public artifacts under a published rubric.