About FT3 Partners

Built by people who've
been in the trenches.

FT3 Partners was founded by payments veterans who spent 20+ years building acquiring relationships, navigating compliance, and helping businesses cross borders. We created FT3 because we knew there was a better way — one where businesses get a genuine partner, not just a service provider.

20+
YearsCombined industry experience
4
ContinentsActive operations
3
PillarsLaunch · PAY · Nexus
1
MissionGo Beyond Borders

We exist to remove
every barrier to
global commerce.

Global expansion is the most exciting growth move a business can make — and one of the most complex. Entity formation, banking access, payment acquiring, compliance, currency management. Each barrier can delay a business by months or kill momentum entirely.

FT3 was built to solve all of it from a single relationship. We're not a payments company that bolted on market-entry services. We're a global commerce partner — designed from day one to serve businesses that want to move beyond their home market, and partners who want to help them do it.

Our promise is simple: whatever it takes to get you live and growing internationally, we handle it. You focus on your business. We'll handle the borders.

The people behind
FT3 Partners

FP
Fredo Pennefather
Managing Director & Co-Founder

Fredo brings 20+ years of experience in global payments, merchant acquiring, and cross-border commerce. His career spans multiple continents and some of the most complex payment environments in the industry — from high-risk merchant acquisition to enterprise-level payment infrastructure.

He founded FT3 with a clear conviction: that businesses going global deserve a partner who's done it before, not a vendor who just sells them products. That belief shapes everything FT3 does.

Global Payments Merchant Acquiring Market Entry Cross-Border Commerce
SV
Steve Varty
Co-Founder & Head of Partnerships

Steve leads FT3's partner network and business development, drawing on deep experience in financial services and international business relationships. His focus is on building the FT3 Nexus partner programme — giving professionals and organisations the tools to offer world-class global commerce solutions to their own clients.

Steve's approach to partnerships is built on transparency and shared upside. If our partners win, we win — it's the only way to build a network that lasts.

Partner Networks Financial Services Business Development Strategic Alliances

How we work

🤝
Partners, not vendors
We're invested in your outcomes. We don't close a deal and disappear. We're with you from setup to scale — proactively, not just when you raise a ticket.
🔍
Radical transparency
No hidden fees. No opaque rate structures. No confusing terms. We tell you what things cost, what to expect, and what we can and can't do for your business.
🌍
Global by design
FT3 was built for international commerce from day one — not retrofitted. Our infrastructure, relationships, and team think in multiple currencies, jurisdictions, and time zones.
Speed matters
Every week you're not live in a new market is revenue you're not capturing. We move fast — because your growth window won't wait.
🏗️
Built to last
We build relationships and infrastructure that compound over time. Our best client relationships are years-long — and that's exactly how we like it.
📏
Honest about limits
We don't promise what we can't deliver. If a deal isn't right for both sides, we'll say so — and help you find the right path forward.

Wherever you're going,
we've been there.

FT3's network spans four continents. We have active operations, acquirer relationships, and partner networks across the markets that matter most for global commerce.

🇺🇸
United States
Primary market. Entity formation, acquiring, and full FT3 Launch services.
🇬🇧
United Kingdom
European gateway. Acquiring relationships and partner network.
🌍
Europe
SEPA payments, EU compliance, and multi-market acquiring.
🌏
Asia Pacific
Singapore, Australia, and key APAC market entry support.
🌎
Latin America
Brazil and Mexico cross-border capabilities and local rails.
🌍
Africa
South African operations and sub-Saharan partner network.
🇦🇪
Middle East
UAE and GCC market relationships and payment services.
🌐
180+ Countries
Global card acceptance and payment network coverage.

Let's build something
global together.

Whether you're a business ready to go global or a professional wanting to add global commerce to your offering — we'd love to hear from you.