High-Risk Merchant Payments Solutions

FT3 Pay empowers high-risk businesses with secure, compliant, and reliable payment solutions. From fraud prevention to chargeback protection, our platform ensures you can accept payments and scale with confidence.

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Supporting Businesses in High-Risk Industries

  • E-Commerce & Retail

    High-ticket products, subscription models, and global sales.

  • Travel & Hospitality

    Manage cancellations, international payments, and compliance with ease.

  • Gaming & iGaming

    Secure, real-time payments with fraud and chargeback prevention.

  • Health & Wellness

    Nutraceuticals, supplements, and regulated product sales with compliant processing.

  • Financial Services

    Credit repair, collections, and other regulated financial activities.

  • Technology & SaaS

    Support recurring billing, high-volume subscriptions, and cross-border transactions.

Tailored Payment Features for High-Risk Merchants

  • High Approval Rates

    Get access to global acquiring networks that accept high-risk industries.

  • Mobile-first checkout UI and optimization

    Multi-Currency & Cross-Border Support

    Accept payments worldwide with transparent FX management.

  • Modular integrations with cart platforms and plugins

    Chargeback Protection

    Built-in tools to reduce disputes, manage alerts, and automate resolution.

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

    Fraud Prevention

    Real-time monitoring, tokenization, and 3D Secure authentication.

  • Custom Payment Routing

    Optimize processing with dynamic gateway routing for higher success rates.

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    Flexible Payment Methods

    Cards, digital wallets, ACH, and alternative payment options

A Simple Path to Secure High-Risk Payment Processing

STEPS

  1. Apply & Get Approved – Streamlined onboarding tailored for high-risk businesses.

  2. Integrate Seamlessly – Connect via APIs, plugins, or custom setups.

  3. Start Processing – Accept global payments with fraud checks and chargeback protection.

  4. Monitor & Optimize – Real-time analytics for transaction success, disputes, and revenue growth.

  5. Scale Confidently – Expand globally with compliance and risk management built in.

 A Reliable Partner for High-Risk Payment Success

  • Highlights:

    • Experience across multiple high-risk industries

    • Secure gateway with advanced fraud & risk monitoring

    • Transparent pricing and faster settlements

    • Scalable infrastructure for global growth

    • Dedicated support for complex compliance needs

 Protecting Your Business and Customers

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Inclusions:

  • PCI DSS Level 1 certified platform

  • GDPR-compliant data handling

  • Fraud scoring and real-time monitoring

  • Chargeback alerts and automated resolution

  • Audit-ready reporting and global compliance

 Flexible Pricing for High-Risk Merchants

FT3 Pay offers competitive and transparent pricing tailored to high-risk industries. Whether you’re processing regionally or globally, our solutions scale with your business needs.



$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 Businesses in Challenging Industries

FT3 Pay supports high-risk businesses worldwide — helping them stay compliant, protect revenue, and scale confidently.

  • 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

Ready to Secure Your High-Risk Payments?

Partner with FT3 Pay for fraud protection, chargeback management, and global reach.

High-Risk Merchant Payments FAQs

  • A high-risk merchant operates in an industry or business model prone to higher fraud, chargebacks, or regulatory complexity, such as travel, gaming, CBD, or financial services.

  • Traditional processors may reject or freeze high-risk accounts. Specialized solutions like FT3 Pay provide stable, compliant, and secure payment processing tailored to these industries.

  • We support a wide range of high-risk sectors, including e-commerce, travel, gaming, financial services, adult content, and health & wellness businesses.

  • FT3 Pay uses automated alerts, fraud detection, and dispute resolution workflows to minimize chargebacks and protect revenue.

  • Yes. FT3 Pay enables multi-currency transactions and localized payment methods for seamless global operations.

  • Absolutely. FT3 Pay is PCI DSS Level 1 certified, uses advanced fraud prevention tools, and complies with global regulations.

  • Our onboarding process is designed for high-risk merchants, enabling approvals and integration so you can start accepting payments quickly.