Cross-Border Payments, Optimized

FT3 Pay — both sides of the transaction

Money in. Money out.
Optimized.

With FT3 Pay, one team handles both sides — money in and money out — orchestrating the providers, acquirers and rails behind the scenes so reconciliation, FX and compliance are far less of a lift for your team.

Accept & Payouts

For your online business & platform

Money inAcceptOnline checkout that converts in every market. Money outPayoutsPay sellers, partners and users worldwide.

Invoicing & Bill Pay

For business-to-business

Money inInvoicingSend a bill, get paid by card — in your currency. Money outBill PayPay supplier bills by virtual card, earn the rebate.

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.

What your customer sees

Secure checkout Aurora · US

Aurora ProAnnual plan $149.00

Pay with

VISA AMEX

Pay

Pay

PayPal

$Cash App

affirm

+ more ways to pay — Venmo, Klarna, Afterpay, ACH bank transfer & more

Card 4242 4242 4242 4242

Expiry12 / 28

CVC•••

Total$149.00

Pay $149.00

Secured & smart-routed by FT3 Pay

What FT3 does behind the scenes

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.

Add, don’t rip and replace

Keep what works. Add FT3 on top.

You don’t have to switch providers to get the upside. FT3 sits over your current setup as an orchestration layer — so you can add providers alongside what you already run, route a slice of volume to test against your live numbers, and keep the rest exactly where it is.

Test in parallelRoute a portion of traffic to a new provider and compare, live — before you commit.

Built-in failoverA backup route stands ready if a provider slows or drops, so transactions keep clearing.

Higher approvalsSend each transaction down the route most likely to clear, not one fixed path.

Lower feesCompetitive tension across providers — not a single rate you can’t move.

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 →

15 minutes with an operator — a straight read on your setup. No pitch, no obligation.

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.

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.

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

Common Questions

Frequently asked
about FT3 Pay

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

What industries do you support? +

We work with businesses of every kind expanding across borders: digital commerce, SaaS, cross-border B2B, manufacturing, consumer brands, digital media, healthcare and life sciences, financial services, fintech and online travel. We are especially strong with cross-border, high-volume or structurally complex businesses that are well-run but underserved by one-size-fits-all providers. All merchants go through full KYB and underwriting, and we only work with licensed, compliant businesses in jurisdictions we can legally serve.Specifically, that rules out unlicensed gambling or betting, adult content, unregistered money-services or crypto-exchange businesses, and sanctioned jurisdictions or parties.

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.

Industries

Built for your vertical

We work with businesses of every kind expanding across borders, from digital commerce and SaaS to manufacturing, consumer brands and online travel. If you’re building something with ambitions beyond your home market, FT3 Pay is tuned to how your industry actually gets paid.

Digital Commerce & Consumer Brands

Online retailers, DTC and omnichannel brands selling across borders

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

Software, SaaS & AI

Software, SaaS and AI companies 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

Manufacturing & Industrial

Manufacturers and industrial suppliers selling and sourcing in new markets

Global manufacturing $16T+ · B2B and industrial trade moving online and cross-border

Healthcare & Life Sciences

Health, medical and life-science companies entering new regulated markets

Global healthcare spend $10T+ · Digital health and life sciences expanding across borders

Financial Services & Fintech

Fintech and financial platforms expanding into new markets

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

Digital Media & Content

Subscription and content platforms monetizing globally

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

Online Travel & Experiences

Travel, tourism and experience platforms taking payment across borders

Experience economy $8T+ globally · Cross-border leisure spend growing ~12% annually

Marketplaces & Platforms

Multi-party platforms, marketplaces and mobility networks scaling internationally

$580B digital marketplace market · Multi-party and pass-through flows at scale

Get started

Ready to move money
smarter, in and out?

Book a call with an operator who’s run payments at scale. We’ll look at your setup, show you where you’re overpaying, and tell you whether FT3 Pay is the right fit — no pitch, no obligation.

Book a call → Speak to an expert

Pay and get paid across borders.

Money in. Money out.
Optimized.

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

Keep what works. Add FT3 on top.

Move money out, not just in.

One orchestration layer.
A world of payment options.