Form3 Expands Strategic Partnership With SumUp to Bring Real-Time SEPA Payments to Millions of European Small Businesses

WHY THIS MATTERS: This expanded partnership is a powerful statement on the vital trend of consolidating disparate payments infrastructure into a singular, cohesive platform. For global fintechs like SumUp, which serves four million merchants across a fragmented landscape, managing separate connections for UK rails (Faster Payments, Bacs) and European schemes (SEPA) creates immense operational drag and regulatory complexity. By committing to Form3 for full pan-European coverage—including the critical integration of SEPA Instant capabilities—SumUp is setting a new benchmark for operational efficiency. This move is value-first for their small business clientele because it ensures money can move with consistent speed, simplifying liquidity management and accelerating cash flow regardless of geographic borders. Ultimately, this consolidation demonstrates how mature fintechs are choosing cloud-native solutions to decouple growth from operational pain, ensuring their core focus remains on merchant success, not managing multiple complex payment gateways.

Form3, the secure cloud-native account-to-account global payments platform, today announced a significant expansion of its partnership with SumUp, as the global fintech extends its use of Form3’s payments platform to support European payment schemes. 

SumUp, which supports more than 4 million merchants across 37 countries, has adopted Form3’s platform for European payments including SEPA Instant, SEPA Credit Transfer and SEPA Direct Debit. This builds on SumUp’s existing partnership with Form3 for UK payments, where it already connects to Faster Payments and Bacs, and marks a significant step in delivering faster, more consistent payment experiences for merchants. 

In line with SumUp’s mission to ensure that all businesses can thrive, this expanded partnership will consolidate multiple payment capabilities through a single provider, simplifying SumUp’s payments infrastructure, reducing operational complexity and enabling merchants to unlock growth across markets. 

Form3’s platform supports continuous, high-volume payment processing and is designed to meet the evolving requirements of regulated payment environments. 

Through Form3’s platform, SumUp can continue to add new payment rails and expand into additional markets while maintaining compliance with relevant regulatory requirements. This enables consistent payment services as volumes increase and SumUp continues to expand across regions.

Edward Wilde, CTO at Form3, said: “We’re pleased to support SumUp’s European payments, building on our existing UK partnership. As fintechs grow to operate across multiple markets, they need payments infrastructure that is reliable and straightforward to run. Using one platform across regions helps reduce cost and complexity and supports efficient growth.” 

“Form3’s platform enables partners like SumUp to expand their payments capabilities without having to make significant changes to their underlying infrastructure or endure complex onboarding processes. This allows them to stay focused on their customers.” 

Antoniya Ditsova, Product Lead – Global Bank at SumUp said: “Our mission is to make business simple for our 4 million merchants. Expanding our partnership with Form3 helps streamline our payments infrastructure and strengthen our access to European payment schemes. This integration allows us to offer SEPA Instant capabilities, ensuring that our customers can move money as fast as they do business. It’s a vital component of our growth as we continue to build the world’s most complete financial toolkit for small businesses.”

FF NEWS TAKE: This decision firmly moves the needle, validating the cloud-native payments model as the optimal strategy for scalable European expansion. The ability to access critical schemes like SEPA Instant and Direct Debit via one provider drastically reduces time-to-market and regulatory overhead. We see this as a template for other growth-stage fintechs navigating the UK-EU divide. The key element to watch next is how quickly Form3 can integrate further niche European or global schemes, allowing SumUp to leverage this single platform integration for rapid, cost-effective entry into new, non-traditional markets.

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