CellPoint Digital vs Form3 Payments Platform
CellPoint Digital
cellpointdigital.com
Form3 Payments Platform
form3.techSide by side
| Figure | CellPoint Digital | Form3 Payments Platform |
|---|---|---|
| Price from | — | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | — |
| iOS | Yes | — |
| Android | Yes | — |
| API | Yes | Yes |
| Plans published | 0 | 0 |
| Spec score · Payment Hub Software | 7.9 (#2) | 7.5 (#7) |
| Founded | 2007 | 2016 |
| Headquarters | The company says its headquarters are in London and Copenhagen. | London, UK |
| Integrations | The payment ecosystem page says it offers over 410 payment options, including card schemes, wallets, alternative payment methods, acquirers, and PSPs. | Form3 lists AWS, IBM, Microsoft Azure, Google Cloud, Accenture, Visa and JP Morgan among its partners. |
| Purpose | CellPoint Digital provides payment orchestration for airlines, hotels, and other travel merchants. | Form3 provides managed payments infrastructure for banks and fintechs to process real-time payments. |
| Routing | OSO routes payments using issuer, geography, and cost, with local acquirer routing and automatic PSP failover. | Configurable routing rules automatically route payments across supported networks without manual intervention. |
| Security | The hosted payment page collects sensitive payment data in a CellPoint-hosted form so the merchant does not handle that protected data. | Form3 lists SOC 2 Type II, ISAE 3000 Type II, Cyber Essentials Plus, ISO 27001:2022, ISO 27017:2021, ISO 27018:2020 and ISO 22301:2019 among its certifications and assurance reports. |
| Support | The company says it operates globally from 10 offices, with customer support offices among them, and lists [email protected] as a contact email. | Form3’s Payments Simulator page describes the simulator as fully supported. |
In their own words
CellPoint Digital
CellPoint Digital provides payment orchestration for airlines, hotels, and other travel merchants. Its platform brings payment data together across markets, channels, methods, and providers for reporting and performance analysis. Payment routing can consider issuer, geography, and cost, with local acquirer routing and automatic PSP failover. Other capabilities include fraud decisioning, foreign-exchange optimisation, reconciliation, settlement splits for multi-party Offer-Order bundles, payment links, instalments, and 3-D Secure. The maker describes support for 168+ payment methods, 220+ PSPs and acquirers, 100+ currencies, and over 70 countries. Merchants can integrate by API, hosted payment page, or custom hosted payment page. Hosted checkout collects sensitive details through a CellPoint-hosted form; the API is intended for sites or apps with PCI DSS requirements, while the hosted page can be used in non-PCI-compliant environments. CellPoint says its platform is PCI-DSS certified and compliant with GDPR, PSD2, LGPD, and other regulations. Pricing is on request. The company says it was founded in Copenhagen in 2007 and operates globally from 10 offices.
Form3 Payments Platform
Form3 Payments Platform provides payment infrastructure to banks and fintechs through a single API. It connects domestic and international schemes across the United States, United Kingdom, and Europe, with listed rails including RTP, FedNow, Zelle, ACH, EPN, Fedwire, SWIFT, UK Faster Payments, Bacs, and SEPA services. Configurable routing rules and payment orchestration coordinate flows and automate workflow steps. Customers can configure, test, and deploy changes through automated staging. The Payments Simulator offers a non-live environment for scenarios involving TCH RTP, FedNow, FPS Direct, Bacs, SEPA services, and Verification of Payee. The platform supports JSON and ISO 20022, payment validation, direct API bank connectivity, and hybrid deployment. Form3 describes multi-cloud, 24/7 processing and lists SOC 2, ISAE 3000, and ISO certifications. Pricing is available on request.