Form3 Payments Platform vs Gr4vy

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.

Gr4vy is a cloud payment orchestration platform for merchants and payment platforms. The company says it connects to more than 400 payment methods and anti-fraud providers through one integration. Users can set no-code rules for routing, retries, and payment workflows, and tailor checkout options to factors such as region, currency, or cart contents. Gr4vy for Platforms offers a white-label way to manage sub-merchants through a single integration. Payment channels include cards, digital wallets, BNPL, bank-to-bank transfers, gift cards, and local payment methods. Documentation describes web payments, native iOS and Android SDKs, React Native support, and pre-built plugins for commercetools, Magento, and Salesforce Commerce Cloud. Gr4vy describes its infrastructure as single-tenant IaaS, with independent customer instances and regional deployment options. The company states that it is PCI DSS Level 1 compliant and SOC 2 Type 2 certified, and supports multiple data-protection regimes. Pricing is on request. There is no free trial or live demo, but a sandbox is available for testing.