FT3 Pay: Payment Solutions for Financial Institutions

An embedded, flexible payment infrastructure designed for banks, lenders, and fintechs. From customer onboarding to disbursements—FT3 Pay handles it all.

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 Tailored for Every Financial Business Model

  • Digital Banks & Credit Unions

    Embed compliant payment rails into modern banking experiences.

  • Consumer Lenders & BNPL Platforms

    Manage recurring payments, repayment logic, and disbursement tracking.

  • Embedded Finance Providers

    Monetize financial flows with white-labeled infrastructure.

  • Investment & Wealth Platforms

    Handle deposits, withdrawals, and compliance monitoring.

Modular Fintech Payments Engine

  • Outline of a medal with a star in the center and two ribbons hanging below.

    Embedded APIs for Collection, Payout & Wallets

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    Automated KYC/KYB & Risk Management

  • Red outline icons of different currency symbols, including the dollar, euro, pound, and yen, interconnected.

    Multi-currency disbursement & FX tools

  • Modular integrations with cart platforms and plugins

    Secure vaulting, tokenization & fraud controls

  • Mobile-first checkout UI and optimization

    White-labeled onboarding flows

  • Subscription and tokenized payments support

    Real-time transaction tracking & audit trails

Fintech Payment Flows, Simplified

  1. Integrate FT3 Pay into your platform via API or SDK.

  2. Onboard users or merchants with full verification.

  3. Accept or disburse funds with automated compliance.

  4. Track flows in real time with audit-ready reporting.

  5. Scale to new regions or business lines confidently.

Built for the Speed and Scale of Financial Technology

  • Fully embedded and customizable architecture

  • Designed for compliance-heavy financial use cases

  • Optimized for digital-first and high-volume flows

  • Easy-to-integrate APIs and low-code options

  • Expert support and advisory at every stage

 Security, Compliance, and Risk—Handled

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  • PCI-DSS, SOC 2 & GDPR alignment

  • AML, KYC/KYB, sanctions screening tools

  • Risk engine with rules-based and behavioral triggers

  • Tokenized storage and end-to-end data encryption

  • Role-based access and audit logs

Everything Developers Need, Built In

  • Full REST API suite

  • Sandbox for test flows

  • Real-time webhooks

  • SDKs for web and mobile

  • Integration support and developer docs

Flexible Pricing for Every Fintech Stage

  • Scalable usage-based pricing

  • No onboarding or hidden fees

  • Enterprise plans for high-volume platforms

  • Tailored quotes based on region, use-case, and flow type



$750/mo

2.85% + $0.15 per credit card transaction

  • 1 PSP or acquirer integration

  • 500+ global payment methods

  • Smart routing & built-in fraud protection

  • Standard reporting dashboard

  • Assigned account manager (onboarding & check-ins)

  • Email + ticket support

  • No set up fee. No lock-in.

Starter

Best for fast-growing eCommerce brands launching or modernizing their payments stack

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$1,5o0/mo

2.75% + $0.10 per credit card transaction

  • Includes everything in Starter

  • Up to 3 PSP or acquirer connections

  • Custom checkout flows & routing logic

  • FX optimization & cross-border readiness

  • Performance insights & quarterly review

  • Assigned growth account manager + priority support

Growth

Ideal for mid-market businesses expanding into new regions

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Starting at $2,750/mo

As low as 2.25% + $0.05 per transaction

  • Everything in Growth

  • Unlimited PSPs, fallbacks, and routing configurations

  • Multi-entity, multi-currency, and treasury tools

  • Real-time reporting API & custom data feeds

  • Token vault, 3DS, compliance & KYC layers

  • Senior account manager + SLA-backed support

Enterprise

For platforms, global retailers, or fintechs with complex infrastructure needs

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Need Custom Pricing?

We’re happy to tailor plans based on your unique project, volume, or launch roadmap. Whether you're replatforming or scaling into new markets, we’ll work with you to build a cost-effective solution that fits your growth goals. Let’s Talk 

Pricing Disclaimer

All FT3 PAY pricing is subject to scope of services, transaction volume, and solution complexity. Final pricing will vary based on business model, region, PSP mix, and integration depth. Card rates reflect blended average fees. Additional costs may apply for optional features or treasury services.

 Trusted by Fintech Innovators

  • World map highlighting a route from a location in South America to Greece in Europe.

    “We saved over $180K in acquiring fees within the first 6 months thanks to FT3 PAY’s smart routing and direct PSP integrations. What stood out was how fast we were able to go live — we went from contract to launch in under 30 days.”

    — Leah M., VP of eCommerce, NovaCart

    Premium D2C Home Goods
    Region: US, expanding to Europe

  • World map with a red arrow from the United States to China

    “We finally feel in control. FT3 PAY gave us the flexibility to add new providers with zero disruption and no dev backlog. We plugged in a backup PSP for Asia-Pacific in just a few hours. Their platform is modular, intuitive, and built for scale.”

    — Omar P. CTO, LevelUp Gaming

    Online Gaming Marketplace
    Region: North America + Southeast Asia

  • World map showing a flight route from New York, USA to Paris, France with a red arrow.

    “Expanding into the US felt daunting until we partnered with FT3 PAY. They helped us navigate local banking relationships, identify the right payment partners, and launch a compliant, localized checkout experience.Within months, our online sales in the US grew by over 40%, and we were able to offer a seamless shopping experience across two continents.”

    — Juliette M., Chief Digital Officer, Maison Aurelle

    Luxury Skincare & Wellness
    Region: France → Expanding into US

  • World map highlighting the United States with a red and white circle.

    “We knew our payments setup was outdated, but we didn’t know where to begin. FT3 PAY helped us cut through the complexity — giving us clear options, faster onboarding with best-fit providers, and better pricing across the board.We launched our new eCommerce platform in half the time we expected, and now we have the foundation in place to expand internationally when the time is right.”

    — Daniel C. Director of Operations, FastFleet Supply Co.

    B2B Industrial & Auto Parts
    Region: US

Power Your Fintech Payments with FT3 Pay

Discover how FT3 Pay can unlock growth, compliance, and speed for your financial product

 Fintech Payment Questions, Answered

  • It's an infrastructure that allows banks, lenders, and fintech platforms to collect payments, disburse funds, manage wallets, and handle compliance—all within a secure and API-driven environment.

  • FT3 Pay provides APIs that let fintechs embed payment flows—such as collections, disbursements, or account top-ups—directly into their apps or platforms, enabling a seamless user experience.

  • Yes. FT3 Pay supports recurring payment logic, repayment scheduling, real-time disbursements, and automated KYC/KYB—ideal for lending platforms, BNPL models, and digital credit systems.

  • FT3 Pay automates user and business verification through a secure onboarding flow, integrating with AML watchlists, document verification tools, and sanctions screening to ensure compliance.

  • Absolutely. Our unified API allows you to create, fund, and manage wallets, accept incoming payments, and initiate payouts across multiple currencies and regions—all with full visibility.

  • FT3 Pay supports cards, ACH, wire transfers, digital wallets, and localized payment methods depending on the region—helping you optimize conversion and access across markets.

  • Yes. FT3 Pay supports international settlement, currency conversion, region-based compliance controls, and multi-entity reporting—ideal for global fintechs and cross-border lenders

  • Settlement times vary by payment method and jurisdiction but typically range from real-time to T+1 or T+2. Our system also supports instant payout options where available.

  • Yes. Our platform includes a built-in risk engine with behavioral analytics, velocity rules, and trigger-based fraud detection tailored for high-risk fintech transactions.

  • FT3 Pay is purpose-built for financial services. It offers full-stack APIs, white-label onboarding, developer-first tooling, and compliance-grade infrastructure tailored to regulated fintech use cases.