Payment processing infrastructure at the scale that banks and fintechs actually operate is a different problem from payment processing for individual transactions. At millions of transactions per day, the reliability, latency, and regulatory compliance requirements of the underlying infrastructure become as important as the feature set. Form3 was founded in London in 2016 to build cloud-native payment infrastructure specifically for financial institutions — banks, payment processors, and fintechs that need the reliability of enterprise infrastructure without the cost and complexity of building it in-house. Its platform provides direct connectivity to payment schemes including Faster Payments, BACS, CHAPS, SEPA, and TARGET2, with a resilient architecture designed for the uptime requirements of financial institutions that cannot afford downtime. Form3 serves some of the UK and Europe's largest financial institutions, providing the payment rails infrastructure that underlies a significant share of European electronic payments. In the payment infrastructure market, Form3 occupies the institutional end of the spectrum — not a product for SMEs or consumer fintechs, but foundational infrastructure for the organisations that process payments at the scale where custom-built solutions are no longer viable and where the cost of failure is measured in regulatory fines and reputational damage.