About FT3 PAY
Where Payments Meet People, Experience, and Global Perspective
At FT3 PAY, we believe payments should be smarter, more flexible — and more human.
We’re a global team of experienced fintech operators, technologists, and payment strategists who’ve built and scaled global payment infrastructure across the industries we serve — including eCommerce, SaaS, marketplaces, B2B platforms, fintech services, online travel, mobility, digital entertainment, and the creator economy. From fintech unicorns and enterprise retailers to public sector platforms and DTC brands, we’ve been on the inside — and now we bring that experience to you.
We created FT3 PAY to fill the growing gap between what many payment solutions offer and what modern businesses actually need
→ Flexibility.
→ Practical advice.
→ Real support from real people.
Whether you're a high-growth eCommerce brand, SaaS platform expanding into new regions, digital marketplace scaling globally, fintech service launching in the U.S., or a streaming and ticketing platform modernizing how you move money —
FT3 PAY gives you the tools, strategy, and modular payment platform to scale smarter.
Learn more about our services or explore industries we serve to see how FT3 PAY helps companies like yours grow globally with confidence.
Meet Our Founder: Frederik Pen
Builder. Connector. Global Payments Insider.
Frederik Pen brings over two decades of experience from the front lines of the global payments industry. He’s held senior leadership roles at American Express, Visa, Worldpay, and several high-growth eCommerce and fintech startups. He has lived and worked on four continents — including North America, Europe, Asia, and Latin America — helping companies expand, localize, and modernize how money moves.
Whether launching new digital products, optimizing global acquiring, or navigating regional compliance, Frederik has seen it all — and helped build the systems behind it.
“There’s a huge gap between what payments platforms promise and what companies actually need. FT3 PAY exists to close that gap — with flexible tech, trusted advice, and people you can actually call.”
What sets Frederik apart is not just his deep domain knowledge, but his ability to connect the dots: across partners, regions, providers, and technologies — to help clients make confident decisions and scale smarter.
Who We Are
We’re a team of seasoned experts, problem-solvers, and yes… payments nerds. We’ve built acquirer relationships, negotiated enterprise contracts, optimized FX flows, launched PSPs, redesigned checkout stacks, and fixed integrations that didn’t scale.
Our team includes former:
Product leads from top commerce platforms
Partnership managers from global PSPs
Strategy and data experts from eCommerce and fintech firms
We thrive on solving tough problems — and we genuinely love this stuff. (Seriously, ask us about fallback routing logic or cross-border treasury solutions… we get excited.)
Our Values
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Customer-Centric Focus
We work for YOU. We are platform agnostic and collaborate closely to establish clear actions and meet goals. We help design and deploy solutions that work.
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Innovation, Trends & Opportunities
We thrive on helping customers and partners accelerate performance and stay ahead actively engaging in the industry allowing us to spot new ways to future-proof your business.
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People Engagement
We believe in open, transparent communication with direct feedback. We will share what works and what doesn't. We engage with our customers to provide ongoing support and enjoy long-term partnerships.