Form3, the leading cloud-native account-to-account payments platform, today announced it is the only provider in live production delivering zero-downtime payment processing via a true multi-cloud architecture and a single code base. The platform currently processes over £4 billion in annual transaction volume for tier one banks including Mastercard, Nationwide, Lloyds, and Barclays.

Form3’s platform recently proved its resilience when a cloud provider experienced a 40-minute outage—without any interruption to service or dropped payments. The platform’s ability to seamlessly switch between Amazon Web Services (AWS), Google Cloud Platform (GCP), and Microsoft Azure ensures continuous availability and fault tolerance. This is critical in financial services, where even brief downtime can result in financial loss, regulatory exposure, and reputational damage.

In addition to its multi-cloud strategy, Form3’s single code base ensures consistent, secure, and efficient software delivery for all customers. This unified architecture allows for universal deployment of updates, patches, and new features without the delays and risks associated with fragmented codebases.