Form3 Payments Platform vs PayYantra
Form3 Payments Platform
form3.techPayYantra
payyantra.comSide by side
| Figure | Form3 Payments Platform | PayYantra |
|---|---|---|
| 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 | 7.5 (#7) | 7.4 (#10) |
| Headquarters | London, UK | Gurgaon, Haryana, India |
| Integrations | Form3 lists AWS, IBM, Microsoft Azure, Google Cloud, Accenture, Visa and JP Morgan among its partners. | OmniVAN lists SAP, Oracle, Tally, Zoho, and custom systems as ERP and system integrations. |
| Routing | Configurable routing rules automatically route payments across supported networks without manual intervention. | The platform evaluates connected payment service providers and routes transactions using live performance information. |
| 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. | A PayYantra PCI DSS certificate states that the company was assessed as compliant with PCI DSS version 4.0.1, with validation dated January 9, 2026. |
| Support | Form3’s Payments Simulator page describes the simulator as fully supported. | The contact page lists [email protected] and offers contact for integration support and demo requests. |
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.
PayYantra
PayYantra is a payment infrastructure and orchestration platform for collections, payouts, routing, settlement and reconciliation. Its unified payment API accepts UPI, cards, net banking, wallets and buy now, pay later. The platform evaluates connected payment service providers using live performance information and routes transactions accordingly. Payouts can be sent through IMPS, NEFT, RTGS and UPI. OmniVAN provides virtual account collections, incoming payment tracking, UTR capture and automated reconciliation; eNACH supports mandate creation, scheduled collections and payment tracking. Developer materials describe REST APIs, webhooks, API keys and an isolated sandbox for simulating payment scenarios. Native SDKs are listed for iOS and Android, alongside React Native and Flutter. OmniVAN lists SAP, Oracle, Tally, Zoho and custom systems as integrations. PayYantra says it serves enterprises, banks, NBFCs, fintechs and regulated institutions. Pricing is on request. The company states that it is not a bank and that funds are held in nodal accounts with RBI-licensed scheduled commercial banks.