FT3 Pay vs Adyen

As businesses expand and transaction volumes increase, many merchants using Adyen begin to face restrictions tied to its single-stack infrastructure. Because Adyen manages gateway, acquiring, and risk services entirely within its own ecosystem, merchants cannot diversify providers, route payments externally, or create redundancy across multiple PSPs—this fixed model limits flexibility for optimization, regional expansion, and operational resilience.

FT3 Pay removes these limitations by offering a multi-provider payment architecture built for scale. By connecting multiple PSPs, enabling dynamic routing, automating failover, and integrating specialized acquiring partners, FT3 Pay gives merchants a level of adaptability that Adyen’s closed system cannot match. Its orchestration-first design empowers businesses to optimize performance, reduce dependency, and operate with greater control.

This comparison highlights how FT3 Pay addresses the inherent constraints of Adyen’s single-stack approach and provides a more modular, scalable solution for merchants with advanced payment needs.

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FT3 Pay vs Adyen for Online Payments

FeatureFT3 PayStripe
Ability to Orchestrate Multiple PSPsYesNo
Dynamic Routing Across External GatewaysYesNo
Built-in Failover Across ProvidersYesNo
Connectivity to Multiple AcquirersYesNo
Specialized Support for High-Risk IndustriesYesNo
Payments ConsultingYesNo
Automated Accounts Payable and Receivable WorkflowsYesNo
Advanced Recovery Logic Beyond Basic RetriesYesNo
Expanded Local APM Options via Multi-Provider AccessYesNo

Key Advantages That Position FT3 Pay Above Adyen

1. Multi-Provider Architecture

FT3 Pay enables merchants to integrate multiple payment providers and acquirers simultaneously, creating a flexible, resilient payment stack. Adyen operates as a closed system, limiting merchants to a single provider environment.

2. Intelligent Routing Across Providers

FT3 Pay optimizes payment flows by sending each transaction through the best-performing PSP or acquirer—Adyen routes exclusively within its own network, which restricts diversification and optimization options.

3. Failover Coverage for Higher Uptime

If one provider experiences downtime or latency, FT3 Pay automatically redirects the transaction to another connected provider. Adyen cannot offer cross-provider failover because it functions as a single infrastructure.

4. Support for High-Risk Business Models

FT3 Pay partners with multiple acquirers who specialize in sectors with elevated risk profiles.

Adyen maintains strict eligibility criteria and does not support many of these industries.

5. B2B Payment Automation

FT3 Pay goes beyond consumer payment flows with automated invoicing, reconciliation, and supplier payment workflows. Adyen does not include AP or AR system automation.

6. Strategic Payments Guidance

FT3 Pay provides consulting, optimization audits, and expansion strategy through FT3 Partners.

Adyen does not provide a consulting function or advisory services.

7. Flexible Expansion Into New Markets

FT3 Pay can quickly enable local payment methods through its extensive network of PSPs and partners. Adyen only supports methods available within its own ecosystem.

Summary: Where FT3 Pay Creates Clear Separation

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FT3 Pay delivers advantages that are not available through Adyen’s single-stack model:

  • Multi-PSP orchestration

  • Multi-acquirer routing and optimization

  • Cross-provider failover

  • High-risk merchant enablement

  • Automated B2B financial operations

  • Hands-on strategic consulting

  • Wider path to entering emerging markets

Merchants who require flexibility, resilience, and global adaptability gain significantly more control with FT3 Pay.

General FAQs

  • FT3 Pay is built as a multi-provider orchestration platform that can connect to multiple PSPs and acquirers. Adyen is a single-provider payment processor that operates on its own closed infrastructure. This makes FT3 Pay more flexible for businesses that need choice, redundancy, or market-specific providers.

  • Yes. FT3 Pay enables High-Risk Merchant Payments Solutions to integrate regional PSPs or local acquirers alongside global providers, offering more coverage and flexibility.

  • Yes. FT3 Pay includes advanced revenue recovery features that go beyond basic retry logic. Adyen provides standard retry mechanisms but not multi-provider recovery options.

  • Yes. FT3 Pay allows merchants to maintain uptime by switching transactions to another connected provider. Adyen cannot offer multi-provider failover because it operates as a single-stack system.

  • FT3 Pay supports a broader range of industries by working with multiple acquiring partners, including those comfortable with higher-risk profiles. Adyen follows strict eligibility criteria and does not onboard many high-risk verticals.