Form3 Payments Platform vs Intellect Payments
| Form3 Payments Platform | Intellect Payments | |
|---|---|---|
| Free plan | No | No |
| Free trial | No | No |
| Paid from | — | — |
| Open source | No | No |
| Platforms | — | api |
| Payment file formats | JSON; ISO 20022 | XML, JSON, fixed width, CSV, delimited, custom |
| Bank connectivity | direct_api | host_to_host |
| Payment channels | US RTP; FedNow; ACH; US Wire; UK Faster Payments; Bacs; SEPA Instant Credit Transfer; SEPA Direct Debit; Confirmation of Payee; Verification of Payee | APIs, H2H, corporate ERPs, portals, payment gateways, agents |
| Payment validation | Yes | Yes |
| Deployment options | hybrid | cloud |
| Approval workflows | — | Yes |
Both are listed in Best Payment Hub Software. On Inferse, Intellect Payments scores higher on our published basis.