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Your Merchants Are Going Global. Are You Helping Them Get There?
If even one of your merchants has asked about selling internationally, this is worth 3 minutes of your time.
FT3 Partners is a payment infrastructure and growth acceleration company — helping merchants and platforms launch, scale, and optimize global payment operations through three focused businesses: FT3 PAY, FT3 Launch, and FT3 Commerce.
New Revenue on Existing Merchants
Cross-border is a $7.9T market by 2030. Partners using FT3 earn revenue share on every dollar their merchants process internationally — with zero infrastructure cost.
Every Month You Wait, Someone Else Wins
Your merchants are already asking about international. If you can't answer, they'll find someone who can — and take the relationship with them.
Nothing to Lose. 20 Minutes to Find Out.
No commitments. No build. We structure every partnership around how you already work — referral, integration, or white-label.
FT3 Partners
Global Partner Program
ft3pay.com
The Opportunity — And Why Most Partners Are Missing It
Cross-border e-commerce hits $7.9T by 2030. Your merchants want in. Most US payment partners can't get them there — not because they don't want to, but because the infrastructure doesn't exist in their stack.
Legacy processors can't keep up. Wrong partner choices leave merchants stranded. Organizational silos mean weeks of waiting — and merchants who stop waiting. FT3 fills that gap quietly, behind the scenes. We connect your merchants to the right infrastructure in the right markets. We don't touch your US stack or your merchant relationships. You look like you have it all covered — because you do.
LatAm
Brazilian, Mexican, and Colombian consumers are buying from US merchants. Local payment methods, BRL/MXN settlement, and compliant acquiring — fully supported.
Southeast Asia
SEA e-commerce growing 20%+ annually. Local wallets, regional card rails, compliant infrastructure — ready to go.
Europe
iDEAL, SEPA, BNPL. US merchants without local payment methods lose 20–30% of potential conversions. We close that gap.
Middle East & Africa
UAE, Saudi, Nigeria, Kenya. Local acquiring and compliant payment rails — for the markets your merchants are already asking about.
FT3 Partners, Ltd. · San Francisco · Amsterdam · Singapore · ft3pay.com
What You Get When You Partner With FT3
Everything your merchants need to go international. Nothing you need to build. And nothing that touches your existing relationships.
Plug into what we've already built. New revenue stream, stronger retention, enterprise-level international capability — without a single infrastructure hire. We work behind the scenes; invisible to your merchant, invaluable to your business.
International Acquiring & Market Access
Access real merchant accounts through our network of vetted banking and acquiring partners. We manage the complex relationships; you gain the capability.
Local Payment Methods
PIX, iDEAL, GrabPay, M-Pesa, BNPL and more. Support every market's preferred rails and stop losing conversions at checkout.
Market Entry in 4–8 Weeks
Entity formation, banking, AML/KYC, and full payment stacks are coordinated end-to-end by FT3. Go live while competitors are still scoping.
White-Label Integration
Offer international infrastructure under your own brand, embedded directly into your platform. Your product, our rails, your relationship.
You don't need to become an international payments company. You just need one that works — and reflects well on you when it does.
Who We're Built For
Your merchants are already in these categories. If they're not yet going global, they will be.
Standard aggregators are built for domestic simplicity. When your merchants operate in digital-first, platform, or next-gen verticals — they need international infrastructure, not a workaround. These are the categories we're purpose-built for.
International B2B & Cross-Border SaaS
Subscription & Digital Services
eCommerce & Marketplace Platforms
Online Travel & Booking Platforms
Creator & Content Platforms
AI Marketplaces & Virtual Goods
Prop Trading & Financial Education
Digital Assets & Crypto-Adjacent
Online Gaming & iGaming
If your merchants are in any of these categories — internationally active or heading there — that's the FT3 opportunity.
Sound like your merchants? The next section shows how we handle the ones the big platforms won't.
FT3 Partners
Global Partner Program
When the Big Platforms Say No, We Find a Way
Stripe flagged them. Adyen won't touch them. PayPal froze the account. These aren't bad merchants — they're complex ones. That's exactly who we're built for.
The largest platforms are built for scale, not nuance. Wrong vertical, wrong geography, wrong business model — flagged, frozen, dropped. No explanation. No appeal. No human. FT3 is the alternative. We look at the business, not the category. We build a payment strategy around how they actually operate — and we stay in it with them.
eCommerce
Cross-border declines kill conversion. We build routing strategies that lift approval rates market by market — not one-size-fits-all.
SaaS & Subscriptions
Recurring declines are silent churn. We optimize international payment routing so revenue doesn't leak every billing cycle.
Travel & Tours
High ticket values trigger risk flags at standard processors. We know the acquiring relationships that work for travel.
Marketplaces
Pay-ins and payouts across currencies and markets are too complex for standard platforms. We structure the full flow — compliantly, at scale.
B2B & Logistics
Vendor disbursements across borders shouldn't require a treasury team. We build payout infrastructure that works.
Regulated & High-Risk
If a major platform has shut down your merchant, we've likely seen it before. We find stable acquiring and keep the business moving.
It's not just about processing. It's about having a partner who understands your merchants' businesses — and builds a strategy around them.
FT3 Partners
Global Partner Program
How It Works
Refer merchants or integrate directly. Either way, everyone wins.
Two models. Simple to start. Works whether you're a PSP, ISO, PayFac, ISV, or digital platform — and every detail is shaped around your setup.
Spot the Opportunity
A merchant in your portfolio wants to sell internationally — into LatAm, Europe, SEA, or MEA. You make a warm intro to FT3.
We Handle the Build
FT3 runs the international onboarding relevant to your merchant and setup — entity formation, compliance, banking, acquiring, local payment methods, and payouts. We handle what's needed. You stay the primary partner.
Merchant Goes Live
Processing international payments in 4–8 weeks. They stay with you as their primary US payment partner.
You Earn — Two Ways
Revenue share on every referral. Plus we route internationally-ready merchants from our network back to you.
Your merchants and users stay yours. Scope and timelines depend on partner type and jurisdiction.
Ready to explore? Book a 20-min call →
Partners Already Winning
Real partners. Real results. No infrastructure build.
Three examples. All anonymized. All from US payment partners who added international capability through FT3 — and grew their business because of it.
US ISO — Added International Revenue
A US ISO with 200+ merchants referred 4 accounts to FT3 for European expansion. No new hires. No infrastructure investment. Added $180K in annual revenue share in year one — merchants stayed in their portfolio.
US ISV — Stopped Losing Merchants to Competitors
A vertical SaaS platform was losing merchants to competitors offering international payment support. Partnered with FT3. Closed the gap in 6 weeks. Churn from international-bound merchants: zero.
US PayFac — Launched International as a Product
A US PayFac integrated FT3 PAY white-label into their platform and launched international as a native product feature. First 3 merchants live in LatAm within 8 weeks.
All examples anonymized. Details available under NDA for qualified partners.
Why FT3 Partners
We're not a bank. Not a processor. Not a competitor. We're a payment infrastructure and growth acceleration company — built for merchants and partners that need more than a standard solution.
FT3 Partners operates through three focused businesses. Together they cover the full stack — from infrastructure to launch to ecosystem. Boutique by design. Focused by choice. We built this because the gap between what US merchants need internationally and what their payment partners can actually deliver was too obvious to ignore.
FT3 PAY — Payment Infrastructure
The platform connecting merchants to processors, acquiring banks, and global payment methods across LatAm, Europe, SEA, and MEA. White-label ready. Plug-in, not build-out.
FT3 Launch — Merchant & Platform Acceleration
The operational team that gets merchants live internationally — entity formation, banking setup, payment architecture, compliance, and performance optimization. End to end. 4–8 weeks.
FT3 Commerce — Global Partner Ecosystem
The partner network connecting PSPs, ISOs, ISVs, PayFacs, and platforms to global payment opportunities. You refer. We deliver. Revenue flows both ways.
We Stay in Our Lane
Your merchants stay yours. Your US stack stays yours. We operate exclusively in the international and complex merchant layer — invisible to your merchant, invaluable to your business. No displacement. Ever.
Human Where It Matters
When Stripe flags a merchant, Adyen won't touch them, or PayPal freezes the account — we're the call that gets made. Real people. Real expertise. We find a way where algorithms say no.
We Move Fast
International go-live in 4–8 weeks. Entity formation in as little as 24 hours, subject to requirements. Done while others are still in procurement.
It Goes Both Ways
You refer merchants to us for international expansion. We route globally-ready leads back to you. Real two-way deal flow — not just a referral arrangement.
Frederik Pen
Founder · FT3 Partners & FT3 PAY · Two decades at Amex, Visa, Worldpay across four continents.
Partner FAQ
The questions every partner asks. Answered honestly.
1
Are you a bank or payment processor?
No. FT3 is a technology platform, global payments services provider, and advisory business — operating under the FT3 Partners umbrella through three focused businesses: FT3 PAY, FT3 Launch, and FT3 Commerce. We don't hold funds, issue accounts, or act as a financial institution. We connect your merchants to the right infrastructure, in the right markets, through our network of vetted banking and acquiring partners — and we manage the entire process so you don't have to.
2
What does the commercial structure look like?
Revenue share on processing volume — structured around your setup, your merchant mix, and how you want to partner. We don't do one-size-fits-all. The details are worth a conversation, not a slide.
3
Do I keep my merchant relationships?
Yes — completely. Your merchants stay yours. We work behind the scenes as the international infrastructure layer. You remain their primary payment partner. We don't displace you, compete in your market, or take the relationship.
4
What exactly does FT3 do — and not do?
We provide the technology platform, market expertise, and global payments services your merchants need to go international. We source and manage the banking, acquiring, and compliance relationships in each market. What we don't do: hold merchant funds, act as a financial institution, or operate in your US market. We're the international layer. You're the primary partner. Clean separation.
5
How do we get started?
A single 30-minute conversation. No contracts upfront. We'll walk you through both models — referral and direct integration — and figure out what fits. If it makes sense, we move fast.
Every partnership is different. Let's find out what yours looks like.
FT3 Partners
Global Partner Program
Let's Take Your Merchants Global
One conversation. No commitments. If you're a PSP, ISO, PayFac, ISV, or digital platform with merchants asking about international — let's explore what's possible together. Every partnership is structured around how you work.
LatAm · Europe · SEA · MEA
The four fastest-growing international markets for US merchants — fully supported
Your Merchants, Your Relationship
We work behind the scenes. You stay the primary partner.
Tailored to Your Setup
Referral, integration, or white-label — we'll find what fits
+1 (415) 873-0073
FT3 Partners, Ltd. · FT3 PAY · FT3 Launch · FT3 Commerce · San Francisco · Amsterdam · Singapore · ft3pay.com