Payments SmartCast Powering the Future of Payments: A Real-World Perspective
Sep 22, 2025
Miriam Sherrill, Head of Product at Form3, and Greg Murray, Managing Director at Santander U.S., delve into the future of payment systems. They discuss Santander's strategy to explore new payment rails and implement real-time payments (RTP). Greg explains the increasing demand for instant payments and how they plan to satisfy client needs. Miriam shares insights on Form3's flexible platform and partnership benefits. Both emphasize the importance of educating customers and adapting to modern payment solutions.
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Partnership Origin Story
- Greg described a multi-year relationship that led Santander to engage Form3 via PagoNext for RTP connectivity.
- He explained that PagoNext is Santander's fintech affiliate and Form3 will bridge PagoNext's RTP infrastructure to The Clearinghouse network.
Layered Tech Stack For Faster Launch
- Santander will use PagoNext for technical infrastructure and Form3 as the connection to the RTP system.
- This layered approach leverages PagoNext's global deployments and Form3's core competency to accelerate time to market.
Push-Only Rails Change Payer Control
- RTP supports only credit pushes and request-for-payment enables biller pulls with payer consent.
- That model gives payers more precise control and provides instant confirmation and reduced operational risk.