aid: form3 url: https://raw.githubusercontent.com/api-evangelist/form3/refs/heads/main/apis.yml name: Form3 kind: company description: 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. image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg 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 created: '2026-07-24' modified: '2026-07-24' specificationVersion: '0.19' apis: - aid: form3:form3-public-api name: Form3 Public API description: 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 payments, direct debits, mandates, accounts, files, notifications, security and audit. Swagger 2.0, 163 documented paths, host api.form3.tech, basePath /v1, OAuth2 client-credentials with HTTP Message Signatures request signing. humanURL: https://www.api-docs.form3.tech/ baseURL: https://api.form3.tech/v1 tags: - Payments - REST - json:api properties: - type: OpenAPI url: openapi/form3-payments.yml - type: Documentation url: https://www.api-docs.form3.tech/ - type: APIReference url: https://api-docs.form3.tech/api.html - type: GettingStarted url: https://www.api-docs.form3.tech/api/tutorials/getting-started/introduction - aid: form3:form3-payments-api name: Form3 Payments API description: 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 payment exceptions such as rejections, returns, reversals and recalls. Represented by the PaymentReads and PaymentWrites operations under /transaction/payments in the Form3 Public API. humanURL: https://www.api-docs.form3.tech/api/tutorials/getting-started/send-a-payment baseURL: https://api.form3.tech/v1 tags: - Payments - Faster Payments - SEPA properties: - type: OpenAPI url: openapi/form3-payments.yml - type: Documentation url: https://www.api-docs.form3.tech/api/tutorials/getting-started/send-a-payment - type: Documentation url: https://www.api-docs.form3.tech/api/tutorials/getting-started/receive-a-payment - type: APIReference url: https://api-docs.form3.tech/api.html - aid: form3:form3-direct-debits-mandates-api name: Form3 Direct Debits & Mandates API description: Originate and receive Bacs and SEPA direct debits, manage direct debit mandates, and process indemnity claims. Represented by the DirectDebits, DirectDebitsReads and Mandates operations under /transaction/directdebits and /transaction/mandates in the Form3 Public API. humanURL: https://www.api-docs.form3.tech/api/tutorials/bacs/direct-debit-instructions-for-originators baseURL: https://api.form3.tech/v1 tags: - Direct Debit - Bacs - Mandates properties: - type: OpenAPI url: openapi/form3-payments.yml - type: Documentation url: https://www.api-docs.form3.tech/api/tutorials/bacs/receive-a-direct-debit - type: APIReference url: https://api-docs.form3.tech/api.html - aid: form3:form3-account-verification-api name: Form3 Account Identification & Verification API description: Generate and manage scheme-addressable customer account numbers, validate UK sort code / account number combinations, and run Confirmation of Payee (UK) and Verification of Payee name-checking. Represented by the AccountIdentification, AccountValidation, BranchIdentification and Name Verification operations under /transaction and /validations in the Form3 Public API. humanURL: https://www.api-docs.form3.tech/api/tutorials/confirmation-of-payee/cop-tutorial baseURL: https://api.form3.tech/v1 tags: - Confirmation of Payee - Account Validation - Identity properties: - type: OpenAPI url: openapi/form3-payments.yml - type: Documentation url: https://www.api-docs.form3.tech/api/tutorials/confirmation-of-payee/cop-tutorial - type: APIReference url: https://api-docs.form3.tech/api.html - aid: form3:form3-files-api name: Form3 Files API description: 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 Public API. humanURL: https://www.api-docs.form3.tech/api/tutorials/bacs/send-transactions-in-a-file baseURL: https://api.form3.tech/v1 tags: - Files - Bulk - Bacs properties: - type: OpenAPI url: openapi/form3-payments.yml - type: Documentation url: https://www.api-docs.form3.tech/api/tutorials/bacs/send-transactions-in-a-file - type: APIReference url: https://api-docs.form3.tech/api.html - aid: form3:form3-event-notifications-api name: Form3 Event Notifications API description: Subscribe to and receive event notifications (webhooks) for payment and platform lifecycle events, and verify their signatures. Represented by the Subscriptions and notification operations under /notification in the Form3 Public API. humanURL: https://www.api-docs.form3.tech/api/tutorials/event-notifications/subscriptions-for-event-notifications baseURL: https://api.form3.tech/v1 tags: - Webhooks - Event Notifications - Subscriptions properties: - type: OpenAPI url: openapi/form3-payments.yml - type: Documentation url: https://www.api-docs.form3.tech/api/tutorials/event-notifications/subscriptions-for-event-notifications - type: Documentation url: https://www.api-docs.form3.tech/api/tutorials/event-notifications/verify-event-notifications - type: APIReference url: https://api-docs.form3.tech/api.html - aid: form3:form3-security-access-api name: Form3 Security & Access API description: 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 Users, Roles, ACE, Public Keys, Audit and Metrics operations under /security, /audit and /metrics in the Form3 Public API. humanURL: https://www.api-docs.form3.tech/api/tutorials/security/create-a-read-only-user baseURL: https://api.form3.tech/v1 tags: - Security - Access Control - Audit properties: - type: OpenAPI url: openapi/form3-payments.yml - type: Documentation url: https://www.api-docs.form3.tech/api/tutorials/security/create-a-read-only-user - type: APIReference url: https://api-docs.form3.tech/api.html common: - type: TrustCenter url: security/form3-trust-center.yml - type: VulnerabilityDisclosure url: security/form3-vulnerability-disclosure.yml - type: DomainSecurity url: security/form3-domain-security.yml - type: AgenticAccess url: agentic-access/form3-agentic-access.yml - type: OAuthScopes url: scopes/form3-scopes.yml - type: Authentication url: authentication/form3-authentication.yml - type: Security url: security/form3-vulnerability-disclosure.yml - type: Compliance url: https://trust.form3.tech/ - type: SecurityTxt url: well-known/form3-security.txt - type: WellKnown url: well-known/form3-well-known.yml - type: Packages url: packages/form3-packages.yml - type: SDKs url: packages/form3-packages.yml - type: MCPServer url: mcp/form3-mcp.yml - type: LLMsTxt url: llms/form3-llms.txt - type: Overlay url: overlays/form3-payments-overlay.yaml - type: Conformance url: conformance/form3-conformance.yml - type: ErrorCatalog url: errors/form3-problem-types.yml - type: Lifecycle url: lifecycle/form3-lifecycle.yml - type: ChangeLog url: https://www.api-docs.form3.tech/changelog - type: Conventions url: conventions/form3-conventions.yml - type: Idempotency url: conventions/form3-conventions.yml - type: DataModel url: data-model/form3-data-model.yml - type: Webhooks url: asyncapi/form3-notifications-webhooks.yml - type: AgentSkill url: skills/_index.yml - type: Website url: https://www.form3.tech/ - type: DeveloperPortal url: https://www.api-docs.form3.tech/ - type: Documentation url: https://www.api-docs.form3.tech/ - type: APIReference url: https://api-docs.form3.tech/api.html - type: GettingStarted url: https://www.api-docs.form3.tech/api/tutorials/getting-started/introduction - type: OpenAPI url: openapi/form3-payments.yml - type: GitHubOrganization url: https://github.com/form3tech-oss - type: Postman url: https://documenter.getpostman.com/view/5561717/TWDTNzaD - type: StatusPage url: https://status.form3.tech/ - type: Blog url: https://www.form3.tech/news - type: LinkedIn url: https://www.linkedin.com/company/form3 - type: TermsOfService url: https://www.form3.tech/legal/terms-and-conditions - type: PrivacyPolicy url: https://www.form3.tech/legal/data-privacy-statement maintainers: - FN: Kin Lane email: kin@apievangelist.com