FT3 Pay — Cross-border payments

Pay and get paid. Globally, locally.

One integration. Multiple providers. The right payment infrastructure for every market.

Talk to a payments operator See All Features

FT3 Pay · Illustrative Dashboard

Volume (30d)

$4.2M

↑ 18.4%

Auth Rate

97.3%

↑ 2.1%

Chargeback

0.21%

↓ 0.04%

Transaction Volume — Last 12 weeks

Visa · ····4892

New York, US · 2s ago

$3,240.00

Approved

Mastercard · ····7731

London, UK · 8s ago

£1,875.50

Approved

AmEx · ····2203

Singapore · 14s ago

SGD 890.00

Pending

FT3 Pay — both sides of the transaction

Money in. Money out. Optimized.

FT3 Pay is the technology that optimizes both sides — money in and money out — so reconciliation, FX and compliance are far less of a lift for your team.

Acquiring · Ecommerce

Accept payments, everywhere

Money in — online checkout that converts in every market.

Cards, wallets & 500+ local methods
Smart routing for higher approval rates
Multi-currency pricing, payouts & FX
Add new markets without re-plumbing your stack

Get set up to accept →

Issuing · B2B & Commercial

Issue cards. Automate payables.

Money out — commercial issuing and AP automation, with rebates on the payables you already run.

Virtual & commercial card issuing
AP automation, supplier payments & spend controls
Rebates on qualified payables spend
Reconciliation into Odoo & your accounting stack

Talk to us about issuing & rebates →

+10 – 28%

conversion lift · from in-market payments

More ways to pay. More sales that clear.

Accept the methods buyers already trust and prefer, and recover the up to 70% of cross-border card sales that quietly decline on the wrong rail.

Win new markets. Recover lost sales.

In-market payment methods lift conversion 10–28%; local acceptance clears at 90%+ vs ~30–50% cross-border. Varies by corridor and rails. (EBANX; Antom, 2025.)

Accept Payments

Your business grew. Did your payments keep up?

New account, better rates, or cross-border processing — we route you to the acquirer that fits your business. Already processing? Send 1–3 months of statements and we’ll review your fees. Real operators, not another automated “no.”

Apply Now →

Free review, no obligation. Straight answers, no runaround.

or message us on WhatsApp

You’re already paying suppliers

Get paid to pay your suppliers.

Run your payables through an FT3 commercial card and earn a rebate on the spend you’re making anyway — money back on invoices you already pay. And if you also accept card payments, that rebate can offset your processing fees — lowering your total cost of payments. Real program, real terms. No points, no gimmicks.

See if you qualify →

Rebate scales with your annual card volume.

Pay-ins

Online check-out. Multi-provider routing. Better approval rates. Lower cost.

When a customer pays, we route the transaction in real time to the acquirer, method and currency rail with the best outcome for that exact sale — rules set with each merchant, shaped by operators who've run acquiring at scale.

LIVE EXAMPLE Brazil → United States · PIX → USD

MERCHANT CHECKOUT

Customer in Brazil pays with PIX

FT3 PAY · SMART ROUTING

Decides best acquirer, method & route — ~80ms

MULTI-ACQUIRER NETWORK

Acquirer A

Local · LATAM

Acquirer B

Local · BR

SELECTED

Acquirer C

Global

Failover

Backup ready

SETTLED

USD to merchant account · auth 1.2s

40+

Markets routed

150+

Currencies

500+

Payment methods

~80ms

Routing decision

Note: Routing logic is configured per merchant — based on your business rules, regional preferences, and FT3's underlying partner agreements. Some capabilities are part of FT3's evolving infrastructure roadmap.

Pay-outs & FX

Move money out, not just in.

Pay sellers, contractors and vendors across borders, without stitching together five providers or juggling FX by hand. We coordinate the rails that already exist, so you get one view, predictable FX, and coverage matched to where your recipients actually are.

Local-currency payouts

Pay sellers and contractors in BRL, MXN, EUR, INR, and 35+ more — settled to local accounts, not US wires.

FX, transparent and negotiated

Currency conversion at rates we negotiate, not retail spreads. You see the rate before the transfer, not after.

One reconciliation pipeline

Payout reporting unified across providers. One dashboard, one statement, not five fragmented feeds.

Built for who pays out

Marketplaces, creator platforms, B2B vendor payments, and contractor disbursement at scale.

Book a call →

Capture more revenue

Smart routing and local acquiring lift auth rates by up to 15% vs. a single acquirer model.

Sell in any currency

150+ currencies supported. Settle in USD, GBP, EUR, or your functional currency — your choice.

Protect every transaction

Adaptive fraud scoring, chargeback management, and 3DS2 built in — not bolted on.

Go live fast

API-first architecture with pre-built integrations. Straightforward integrations go live in as little as 7 days. Most merchants in 14–21 days.

Capabilities

One orchestration layer.
A world of payment options.

FT3 Pay connects regional PSPs, acquirers and payment methods through one integration — giving you the flexibility to build the right payment stack market by market without rebuilding your infrastructure each time.

Merchant Acquiring

Acquiring coverage across the US, Europe and key global markets — structured to reduce unnecessary layers, improve performance and optimize economics.

Global Payment Gateway

A single API endpoint to accept cards, APMs, and local payment methods from 180+ countries.

Multi-Currency Processing

Dynamic currency conversion, transparent FX rates, and multi-currency settlement to eliminate conversion guesswork.

Fraud Prevention

Adaptive machine-learning fraud scoring with 3DS2 authentication, velocity rules, and custom risk controls.

Chargeback Management

End-to-end dispute handling. Evidence compilation, representment, and pre-chargeback alerts to protect your revenue.

Reconciliation & Reporting

Automated settlement reconciliation across all channels. Real-time dashboards and scheduled reports in your preferred format.

Recurring & Subscriptions

Smart retry logic, dunning management, and card updater to reduce involuntary churn and maximize LTV.

Smart Routing

Rule-based and ML-driven routing across multiple acquirers to maximize approval rates and minimize processing costs.

FT3 Launch Support

Launch support available with qualifying FT3 Pay engagements.

Where market-entry support is needed, FT3 Launch can be incorporated into qualifying Pay engagements based on scope, volume and commercial structure. Subject to terms & conditions.

Learn about FT3 Launch → Book a call

FT3 Pay · Live Platform

Explore the FT3 Pay platform.

FT3 Pay is our payment gateway and orchestration platform — connecting global and regional PSPs, acquirers and 500+ payment methods through a single integration.

Talk to a payments operator View API Docs

Global Reach

Accept in their currency.
Settle in yours.

Your customers want to pay in their local currency. FT3 Pay makes it seamless, with real exchange rates, no hidden conversion fees, and settlement flexibility on your terms.

✓Dynamic currency conversion at checkout
✓150+ supported currencies
✓Settle in USD, EUR, GBP, CAD, AUD, and more
✓Transparent FX spreads — no surprises
✓Cross-border tax and compliance support

USDUS Dollar

EUREuro

GBPBritish Pound

CADCanadian Dollar

AUDAustralian Dollar

SGDSingapore Dollar

ZARS. African Rand

AEDUAE Dirham

BRLBrazilian Real

MXNMexican Peso

INRIndian Rupee

JPYJapanese Yen

+ 130 more currencies

Process

How FT3 Pay works

We orchestrate the complexity across providers, markets and payment methods — so you can expand without rebuilding your payment stack market by market.

Discovery & Risk Assessment

We review your business model, volumes, and target markets. Our underwriting team structures the right acquiring solution for your risk profile.

Merchant Boarding

Document submission, KYB verification, and acquirer approval — all managed by FT3. You provide the docs; we handle the back-and-forth.

Integration & Testing

API keys, sandbox environment, and a dedicated integration engineer. Go from credentials to live transactions in days, not weeks.

Go Live & Optimize

Launch with confidence. Ongoing rate reviews, routing optimization, and a dedicated account manager to grow your approval rates over time.

The FT3 Difference

The platform,
plus the team behind it.

Most payment processors give you a gateway and a ticket system. FT3 gives you a partner — with 20+ years of industry relationships, senior-level access, and a vested interest in your growth.

Book a call

✓Dedicated account manager — not a generic support queue
✓Global and regional payment relationships built over 20+ years
✓Proactive rate reviews and optimization recommendations
✓Chargeback representation and dispute strategy
✓Ongoing compliance monitoring across jurisdictions
✓24/7 technical support with SLA-backed response times
✓Growth consultations — new markets, new verticals

Designed to work with the platform you already run

OdooWooCommerceAdobe CommerceBigCommerce+ any platform, via open API

Pre-built connectivity to leading global and regional providers — with the flexibility to add PSPs, acquirers and payment methods as your markets expand. Provider-agnostic by design.

Common Questions

Frequently asked
about FT3 Pay

Can't find your answer? Book a call with our payment specialists.

What industries do you support? +

FT3 works across digital commerce — SaaS, cross-border B2B, digital media, financial services, fintech, and online travel. We specialize in cross-border, high-volume and complex merchant needs and are experienced operating across regulated industries, including crypto payouts, digital assets, and merchant models, especially where large brands and platforms reject.

How long does onboarding take? +

Timelines depend on documentation completeness and jurisdiction. Straightforward cases can go live in as little as 7 days. Most merchants complete underwriting and integration within 14–21 days. Complex or multi-jurisdiction setups may take up to 30 days. FT3 manages the acquirer relationship and expedites wherever possible.

What are your processing fees? +

Pricing is tailored to your volume, vertical, and acquiring arrangement. We are transparent about all fees, including interchange, scheme fees, and FX — and provide a clear rate sheet before onboarding. Contact us for a personalised quote.

Can I switch from my current processor? +

Absolutely. Our integration team handles migration planning to minimize disruption. We can run parallel processing during the transition period to ensure continuity while you move volume across.

FT3 Insights

Want to go deeper on payments?

Explore the FT3 insights hub — in-depth guides, real case studies, and payments deep-dives for ecommerce, marketplace, gaming, and B2B.

Read the insights → Guides · Case studies · Deep-dives

Illustrative Results

The payoff of payments done right.

Three scenarios, three markets. Indicative of what a well-designed payments approach delivers when built for scale from day one.

Global SaaS Platform

Auth rates lifted, churn cut, ARR up.

68 → 89%

Auth rate improvement

$2.3M

ARR lift

−34%

Churn reduction

4 months

Payback period

Smart routing across multiple acquirers recovered authorization rates. Card updater and dunning reduced involuntary churn.

Cross-Border Retailer

LATAM markets opened.

+27%

Brazil conversion lift

+31%

Mexico conversion lift

45 → 28%

Cart abandonment

$1.8M

Incremental revenue (6 mo)

Local payment methods (PIX, OXXO) and local currency pricing transformed checkout completion in two key markets.

Digital Marketplace

Multi-party payouts, scaled.

+156%

Seller onboarding

−42%

Payout costs

+89%

GMV YoY

Multi-cur.

Instant payouts

Split-payment setup, automated KYC, and multi-currency instant payouts removed the friction holding back seller acquisition.

All examples anonymized. Sources: McKinsey, BCG, FIS, BIS 2024–2025. Indicative of what FT3’s orchestrated approach opens up for businesses operating across borders.

Industries

Built for your vertical

FT3 Pay is tuned to how each of these industries actually gets paid — the methods, the risk, and the cross-border flows.

E-Commerce & Online Merchants

Online retailers and DTC brands selling across borders

$6.9T global e-commerce market · Cross-border e-commerce growing ~2x faster than domestic sales

B2B SaaS & Subscriptions

Enterprise software scaling to global accounts

$307B global B2B SaaS market · 18% CAGR · North America represents 47% of global spend

Cross-Border B2B & Trade

B2B platforms, trade networks and enterprise commerce expanding internationally

$98T+ global B2B payment volume · Cross-border B2B fastest-growing segment in fintech

Digital Media & Content

Subscription and content platforms monetizing globally

$600B+ global digital media market · Subscription economy growing 18% YoY

Financial Services & Fintech

Fintech and financial platforms expanding into new markets

Global fintech investment $51B in 2024 · Cross-border payments projected $290T by 2030

Marketplaces, Travel & Mobility

Multi-party platforms, marketplaces and travel, experience and mobility networks scaling internationally

$580B digital marketplace market · Experience economy valued at $8T+ globally · Cross-border leisure spend growing 12% annually