About FT3 Global

Built by people who've
been in the trenches.

FT3 Global was founded by payments operators 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
Our Mission

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.

Why FT3?

It stands for Financial Technology to the power of 3 — because doing business across borders really takes three things working together: the technology to move the money, a bank to hold it, and the business making it all worth it. Most providers hand you one and wish you luck. We bring all three into one relationship — and that’s the 3 in FT3.

The Team

The people behind
FT3 Global

Frederik Pen
Frederik (Fredo) Pen
Founder & CEO

Founder, builder, and global payments insider. Frederik has held senior leadership roles at American Express, Visa, Worldpay, and high-growth fintechs across four continents — North America, Europe, Asia, and Latin America. FT3 is a digital global boutique fintech: a team of operators and a network of regional specialists — built to support the full business journey, from launch through scale. He's done this work from the inside. That's what makes FT3 different.

Whether launching new digital products, optimizing global acquiring, or navigating the compliance complexity of high-growth and sophisticated merchant models, Fredo has built the systems, the relationships, and the playbooks behind it. What sets him apart is the ability to connect the dots — across partners, regions, providers, and technologies — so clients make confident decisions and scale smarter.

"There's a huge gap between what payments platforms promise and what companies actually need. FT3 exists to close that gap — with flexible infrastructure, trusted advice, and people you can actually call."

Global Payments Merchant Acquiring Market Entry Cross-Border Commerce eCommerce & Fintech
What We Stand For

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.
Global Footprint

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 (Q3 2026), 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.
Work With Us

Let's build something
global together.

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

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