FT3 Pay vs Checkout

Many merchants relying on Checkout.com eventually discover restrictions that stem from its closed, single-provider structure. Because Checkout.com processes all transactions through its own acquiring and gateway system, businesses cannot diversify traffic, route payments to external PSPs, or create redundancy across providers. This lack of flexibility can lead to stalled approval rates, operational bottlenecks, and reduced adaptability when scaling into new regions. 

FT3 Pay is built to overcome these limitations by supporting multiple PSPs, enabling external routing, offering automated failover, and connecting merchants to a range of acquiring partners. FT3 Pay provides the agility and resilience that Checkout.com’s fixed architecture cannot deliver. The platform’s modular design gives businesses greater control, optimization opportunities, and long-term scalability.

This comparison outlines how FT3 Pay solves the structural constraints of Checkout.com and delivers a more advanced, adaptable payments infrastructure for growth-focused merchants.

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FT3 Pay vs Checkout.com for Online Payments

Feature FT3 Pay Stripe
Multi-Gateway Payment Orchestration Yes No
Dynamic Routing Across Multiple External PSPs Yes No
Automatic Failover Routing Across Providers Yes No
Ability to Integrate Multiple Non-Checkout Acquirers Yes No
Support for High-Risk Merchant Categories Through Multiple Acquirers Yes No
Automated AP and AR Workflows for B2B Payments Yes No
Multi-Provider Based APM Expansion Yes No
Advanced Revenue Recovery Automation (Beyond Basic Retries) Yes No

Key Differences That Position FT3 Pay Above Checkout

1. Multi-Gateway Orchestration

FT3 Pay allows merchants to connect multiple PSPs and acquirers simultaneously. Checkout.com operates as a single-provider payments platform and cannot connect to external gateways.

2. External Routing Options

FT3 Pay routes payments across various providers based on geography, performance, or cost.

Checkout.com only routes transactions within its own system.

3. Failover Protection Across Providers

FT3 Pay provides failover routing to safeguard against downtime or degraded performance at any single provider.Checkout.com cannot offer multi-provider failover.

4. High-Risk Category Enablement

FT3 Pay supports industries that require specialized acquiring partners.Checkout.com restricts many high-risk verticals due to compliance limitations.

5. B2B Payment Automation

FT3 Pay includes automated AP and AR workflows, such as invoicing, reconciliation, and supplier payments. Checkout.com does not provide B2B workflow automation.

6. Local Payment Method Scalability

FT3 Pay enables merchants to adopt local payment methods via multiple provider connections, reducing dependency on a single PSP. Checkout.com offers APMs only within its own ecosystem.

7. Revenue Recovery Optimization

FT3 Pay includes advanced recovery flows that go beyond standard retry logic.Checkout.com offers basic retry capabilities but no multi-provider recovery strategies.

Summary: Why FT3 Pay Provides a More Flexible Payment Architecture

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FT3 Pay offers significant advantages over Checkout for merchants who require adaptability and scale:

  • Multi-provider orchestration

  • Intelligent routing and failover

  • Multi-acquirer flexibility

  • High-risk merchant enablement

  • Automated B2B financial workflows

  • Expanded APM adoption through external partners

  • Higher operational resilience through diversified connectivity

Checkout.com remains a strong single-stack PSP.

However, FT3 Pay’s multi-provider ecosystem offers far more control, resilience, and scalability for global businesses.

General FAQs

  • FT3 Pay is a multi-provider orchestration platform that lets merchants connect multiple PSPs and acquirers. Checkout.com is a single-provider payment processor that handles gateway, acquiring, and processing within its own system. This makes FT3 Pay more adaptable for businesses that want a diversified payment infrastructure.

  • Yes. FT3 Pay can route payments across multiple external providers based on performance, geography, or cost. Checkout.com does not act as an orchestration layer; it processes payments through its own acquiring network.

  • Yes. Because FT3 Pay connects to multiple providers, it can reroute transactions during outages. Checkout.com does not support failover across external PSPs.

  • For businesses entering new markets, FT3 Pay enables connection to region-specific PSPs or local acquirers. Checkout.com offers global coverage but only through its own payment infrastructure.

  • Yes. FT3 Pay is designed to help businesses diversify by integrating several PSPs and acquirers. Checkout.com is a single-provider system, so all transactions flow through its own infrastructure.