Your Smart Payment Gateway

Power your payments with a future-ready gateway built for eCommerce and cross-border businesses.


Gain flexibility, enable PSP redundancy, reduce costs, and scale globally—without compromising performance or control.

Person holding a smartphone with a digital overlay of currency symbols and a successful payment notification.
A graphic of a dollar sign inside a circle with arrows pointing outward in all directions.
Digital black-and-white map of the world with continents depicted in dot pattern on a black background.
Mobile app screenshot of checkout screen with a 'Pay' button and a shield icon with a checkmark.

FT3 PAY helps fast-growing companies take control of their payments

Reducing costs, boosting approval rates, and making it easier to scale across borders.

Whether you're a U.S.-based business expanding globally or an international brand entering the U.S., FT3 PAY delivers the flexibility, control, and expert support modern businesses demand.

We work with companies of all sizes

but specialize in six high-impact industry groups:

  • A woman at a cafe counter making a payment with her credit card, with a tablet displaying an online shopping cart on the counter.

    eCommerce & Retail

    Scalable checkout and global payments for modern retail

  • Zoom.US app icon on a mobile device screen.

    SaaS, Subscriptions & Digital Services

    Reduce churn, expand globally, and support flexible billing

  • Smartphone displaying the Etsy app on a wooden surface.

    Marketplaces & Creator Platforms

    Seamless pay-ins and global payouts for platforms, vendors, and freelancers

  • Person working on digital invoice management on a laptop, holding paper invoices in hand, with office supplies on desk.

    B2B Platforms & Invoicing Networks

    Accelerate settlement and modernize cross-border payments

  • Black leather wallet with four visible credit cards inside, on a white background.

    Fintech-Enabled Platforms

    Modular infrastructure for embedded finance, compliance, and control

  • Person holding a Nintendo Switch gaming console with a colorful game displayed on the screen, seated on a couch with a patterned rug nearby.

    Gaming, Streaming & Mobility

    High-risk payments, creator payouts, and global monetization — simplified

The foundation of better payments, built for scale and flexibility

Unlike traditional providers, FT3 PAY gives you control. Connect 500+ global payment methods, integrate your preferred PSPs, and route transactions for the best performance, lowest cost, and highest approval rates — all through one intelligent API.
Modular, resilient, and built for growth businesses.

Key Features

  • Red outline of a dollar sign next to a downward arrow, indicating a decrease in price or cost.

    Lower pricing, guaranteed and smart routing engine for cost savings and no lock in

  • A red and black symbol showing a wide arrow splitting into three directions: left, straight, and right.

    Flexibility and integration with multiple preferred PSPs, APMs, cards, wallets, crypto, SEPA

  • Outline of the Earth with continents in red on a black background.

    Unified platform for multi-region eCommerce payments

  • Line art icon of a cloud with up and down arrows inside, connected to four lower nodes, representing cloud data transfer.

    Developer-friendly, modular APIs for light onboarding

  • Icon of a computer monitor displaying a document with bar graphs and text lines.

    Real-time reporting and unified analytics

  • Red line icon of a headset around a gear symbol with connecting lines, representing technical support or customer service.

    Support for subscriptions, split payments, fraud controls

  • Icon of two people, one in front and one behind, outlined in red.

    Human-first model with dedicated account managers

  • Red bar graph with upward trending arrow indicating growth or increase.

    Ready for scale from domestic launch to global orchestration

How We're Different from Typical Providers

Launch

2.75% + $0.15 per credit card transaction

  • Launch strategy consultation

  • New or optimized MID accounts

  • Single PSP or acquirer integration

  • Preferred payment methods

  • Smart routing & built-in fraud protection

  • Reporting dashboard

  • Account Executive Support

  • No lock-in, low application fee

Launch

Best for start-ups and early stage businesses looking to build and launch acceptance with support and expertise.

Line graph on a computer screen with a dollar sign above, representing financial growth or revenue increase.
Outline of a dollar coin with an upward arrow and three additional arrows pointing up around it.

Accelerate

Ideal for mid-market businesses: expand into new regions , segments, add new PSP and modular solutions.

Accelerate

2.50% + $0.10 per credit card transaction

  • Program review and optimization

  • Includes everything in Starter

  • Up to 3 PSP pre-built acquirer connections

  • Custom checkout & routing logic

  • FX & cross-border strategy

  • Performance insights & quarterly review

  • Assigned account executive

  • 24x7 support

Optimize

Perfect for enterprise and platforms: modernize, add markets, integrate platforms, providers and redundancy.

Line art icon of a speedometer with a dollar sign in the center and needle indicating high speed or performance.

Optimize

Custom pricing & performance guarantee

  • Tailor made, solutions, integrations and support

  • Advisory, program managment, pay-in and payout services

  • 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

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.