Form3 Payments Platform vs PaymentHub
Form3 Payments Platform
form3.tech
PaymentHub
getpaymenthub.comSide by side
| Figure | Form3 Payments Platform | PaymentHub |
|---|---|---|
| Price from | — | $499/mo |
| Free plan | — | — |
| Free trial | — | Yes |
| Open source | — | — |
| Web | — | Yes |
| API | Yes | Yes |
| Plans published | 0 | 3 |
| Spec score · Payment Hub Software | 7.5 (#7) | 7.8 (#4) |
| Headquarters | London, UK | Austin, Texas, United States |
| Purpose | Form3 provides managed payments infrastructure for banks and fintechs to process real-time payments. | PaymentHub is an ERP-native payment orchestration platform for connecting payment workflows to ERP posting, reconciliation, and reporting. |
| Security | 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. | The security page says card data is tokenized at the gateway and never touches the ERP, and describes OAuth 2.0 API access and TLS 1.2+ encryption in transit. |
Plans
PaymentHub
- Growth$499 a month
- Professional$1,499 a month
- EnterprisePriced on request
In their own words
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.
PaymentHub
PaymentHub connects payment workflows with ERP posting, reconciliation, and reporting for mid-market B2B finance teams. Its branded customer portal supports invoice viewing, online and partial payments, autopay enrollment, payment history, and statements. Accounts payable tools include configurable approval chains, scheduled payment batches, vendor payment methods, and status tracking. The platform matches payments to invoices and posts them to the ERP in real time, routing exceptions for review. Listed ERP connections include Epicor, Sage, Infor, Microsoft Dynamics 365, Oracle NetSuite, SAP Business One, Acumatica, and Odoo products. It also lists payment processors and networks including Stripe, Braintree/PayPal, Authorize.Net, Heartland, Worldpay, Adyen, ACH.com/NACHA, WEX, Chase Paymentech, and Elavon. REST APIs and webhooks support payment operations and event notices. PaymentHub describes tokenized card data, OAuth 2.0 API access, TLS 1.2+ encryption in transit, role-based access, and exportable audit logs. Growth costs $499 a month; Professional costs $1,499 a month. A free trial is listed for Growth, with no duration stated.