Form3 vs Token.io
Form3
Form3 is building the Financial Fabric behind modern money movement
249 employees · est. 2016 · London, United Kingdom
Token.io
The leading Pay by Bank infrastructure for banks, payment companies and platforms in the UK and Europe
101 employees · est. 2015 · London, United Kingdom
Token.io is the older company (2016 vs 2015); Form3 is the larger of the two.
Side-by-Side Comparison
| Metric | Form3 | Token.io |
|---|---|---|
| Founded | ||
| Founded | 2016 | 2015 older |
| Headquarters | ||
| Headquarters | London, United Kingdom | London, United Kingdom |
| Employees | ||
| Employees | 249 larger | 101 |
| Industry | ||
| Industry | Financial Services, Fintech, Payments | Financial Services, Fintech, Payments |
| Funding Stage | ||
| Funding Stage | Series C | Venture round |
| Total Funding | ||
| Total Funding | $300.30M | $90.00M |
| Funding Rounds | ||
| Funding Rounds | 10 | 6 |
| Services | ||
| Services | Form3 Enterprise Edition, Payment Scheme Simulators, Form3 Trust Fabric, Single API Integration | Industry-leading Pay by Bank solutions, One-click, recurring and automated bank payments, Real-time payouts and withdrawals, Data solutions for smarter payments |
| Target Customers | ||
| Target Customers | Financial Institutions, Banks, Payment Providers, European Small Businesses | Banks, Merchants, Fintech companies, Ecommerce platforms, Crypto platforms, iGaming companies |
| Taxonomy | ||
| Taxonomy | Payment TechnologyCloud Native PlatformPayments Infrastructure As A ServiceAPI-First PlatformCloud-Based Payment ProcessingFinancial Institution Services +9 | Pay By BankOpen BankingA2A PaymentsPayment InfrastructureAPI ConnectivityPayment Initiation +8 |
| Website | ||
| Website | form3.tech | token.io |
About Form3
Form3, founded in 2016 and headquartered in the United Kingdom, is emerging as a pivotal player in the Financial Services and Fintech sectors. With the slogan, "We design, build and run the technology that powers the future of payments," Form3 develops a fully managed, cloud-native payment technolog...
About Token.io
Token.io, founded in 2015, stands at the forefront of Pay by Bank infrastructure, serving as a critical bridge for banks, payment companies, and platforms across the UK and Europe. The company's infrastructure offers an unparalleled opportunity for clients to enhance revenue streams, reduce operatio...
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Compiled from the BounceWatch company index. We last looked at Form3 on 26 Oct 2026, and Token.io on 19 Oct 2026. Where a field is blank here, it means we have not recorded it — not that the answer is zero. How we source and date this.
