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International Partners
For PSPs, ISOs, PayFacs, ISVs & Digital Platforms helping merchants enter the U.S. market
Most regional partners don't lack ambition—they lack a U.S. specialist in their corner. FT3 Partners gives you instant U.S. market capability with zero platform build, zero new hires, and a global network that generates deal flow back to you. We work alongside you for the long term, supporting your journey from initial launch to full-scale growth.
FT3 Partners
U.S. Market Entry Program
www.ft3partners.com
Your Merchants Want the U.S. Market. Are You Helping Them Get There?
Your merchants are already asking; the question is whether you can answer without a 12-month build or a new hire.
Launching in the U.S. is a complex gauntlet, but FT3 manages the entire end-to-end journey so you don't have to piece it together. We provide the infrastructure you need to say yes to your merchants and scale their global revenue instantly.
New Revenue on Existing Merchants
The U.S. is the world's largest e-commerce market at $1.3T and growing. Partners using FT3 earn revenue share on every dollar their merchants process in the US — with zero infrastructure cost.
Every Month You Wait, Someone Else Wins
Your merchants are already asking about the US. If you can't answer, they'll find someone who can — and take the relationship with them.
Nothing to Lose. 20 Minutes to Find Out.
No commitments. No build. We structure every partnership around how you already work — referral, integration, or white-label.
FT3 Partners
U.S. Market Entry Program
www.ft3partners.com
The Opportunity — And Why Most International Partners Are Missing It
While merchants are eager to capture the $1.3T U.S. market, most international partners struggle to follow. It isn't a lack of ambition, but the prohibitive cost, time, and risk associated with building domestic U.S. infrastructure from scratch. FT3 removes this barrier, enabling instant market entry without the overhead.
Navigating U.S. acquiring—from complex compliance and card network rules to domestic bank relationships—is a significant operational burden. FT3 Launch handles this underlying infrastructure, while FT3 PAY provides an optional global gateway for seamless payment orchestration. We work as your dedicated U.S. specialist, ensuring your merchants receive expert support while you retain full ownership of the primary client relationship.
Europe
European merchants are actively targeting US consumers. FT3 Launch supports local US acquiring, USD settlement, and compliant onboarding — end to end.
LatAm
Brazilian, Mexican, and Colombian platforms are scaling into the US. We support the domestic acquiring relationships and the compliance layer they can't build alone via FT3 Launch.
Southeast Asia
SEA-based SaaS, marketplaces, and digital platforms are entering the US at pace. We provide the US payment infrastructure and architecture they need to compete.
Middle East & Africa
UAE, Saudi, and African fintechs are expanding into the US market. We provide the foundational infrastructure and relationships through FT3 Launch to make it real.
FT3 Partners, Ltd. · San Francisco · Amsterdam · Singapore · www.ft3partners.com
What Partners & Merchants Gain
Accelerate your merchants' US growth while capturing recurring revenue without infrastructure overhead.
Instantly expand your portfolio with full US payment capabilities—no building, no new headcount, and zero added risk. You retain the relationship while earning a share on every dollar your merchants process in the US market.
For Your Merchants
US Market Access in 4–8 Weeks — Entity formation, US banking, AML/KYC, and acquiring relationships — coordinated end-to-end by FT3 Launch. Live while competitors are still scoping.
Higher US Approval Rates — FT3 PAY's smart routing and payment orchestration lifts US authorization rates and reduces declines — more revenue from every transaction.
No More Platform Rejections — When major US platforms say no, FT3 finds a way. We look at the business, not the flag on the entity.
Full US Payment Stack — ACH, card networks, digital wallets, BNPL — every US consumer payment method, fully supported.
For You as Their Partner
New Revenue Stream — Earn revenue share on every dollar your merchants process in the US. Zero infrastructure investment. Zero new hires.
Retain Merchants Who Would Leave — Merchants asking about the US will find someone who can help. Be that someone — and keep the relationship.
Two-Way Deal Flow — Via FT3 Commerce, we route US-ready merchants back to you. Not just a referral — a growing pipeline in both directions.
White-Label Option — Offer US payment infrastructure under your own brand. Your product, our rails, your relationship.
FT3 Partners, Ltd. · San Francisco · Amsterdam · Singapore · www.ft3partners.com
What You Get When You Partner With FT3
Give your merchants the US market on a silver platter—zero build, zero headcount, zero disruption to your home turf.
Launch your merchants into the US in weeks with our turn-key operational stack, from entity formation to compliance and banking. We handle the heavy lifting while you keep the relationship and pocket a new stream of recurring revenue.
U.S. Acquiring & Market Access
We connect your merchants with vetted U.S. bank and acquiring accounts quickly. We manage the complexity so you retain the relationship.
U.S. Payment Infrastructure
Use FT3 PAY to unlock every major US payment rail, from ACH to BNPL. Our smart gateway handles the routing while your merchants capture more revenue.
U.S. Market Entry in 4–8 Weeks
We fast-track the entire US setup, including banking, AML, and compliance. Get your merchants processing stateside while competitors are still in planning.
White-Label Integration
Embed our US payment rails directly into your platform under your own brand. It's your product and your relationship, powered by our tech.
You don't need to become a US payments company. You just need one that works — and reflects well on you when it does.
When the Big U.S. Platforms Say No, We Find a Way
Major platforms and aggregators constantly reject these merchants without a second glance. These aren't bad businesses—they're just international ones, and that's exactly who we're built for.
Big U.S. platforms are designed for domestic simplicity and flag anything with international nuance as high-risk, freezing accounts without warning or recourse. We look past the entity's home country to understand the actual business model underneath. Whether it's the operational setup through Launch or the technical payment stack via PAY, we bridge the gap that standard providers ignore.
eCommerce
Cross-border merchants hit constant friction on U.S. rails. We secure the right acquiring relationships and use smart routing to boost approval rates.
SaaS & Subscriptions
Recurring billing for non-U.S. entities often triggers automated risk flags. We use payment orchestration to optimize routing and keep revenue flowing.
Travel & Tours
High ticket values and international roots frustrate standard U.S. processors. We secure the specific acquiring partnerships needed to clear these transactions.
Marketplaces
Multi-currency flows are too messy for standard platforms to handle. We structure the entity for compliance while handling technical orchestration at scale.
B2B & Logistics
Cross-border vendor disbursements shouldn't require a dedicated treasury team. We handle the banking and infrastructure setup so international operators can scale.
Regulated & High-Risk
If you've been dropped by a major U.S. platform, we've likely solved it before. We provide stable acquiring and orchestration to keep the business moving.
It's not just about processing. It's about having a partner who understands your merchants' businesses — and builds a U.S. strategy around them.
www.ft3partners.com
U.S. Market Entry Program
How It Works
Refer your merchants or integrate directly. Everyone wins.
We offer two simple paths. Whether you're a PSP, ISO, PayFac, or ISV, we tailor our setup to match your infrastructure perfectly.
Spot the Opportunity
Your merchant wants to sell into the US from Europe, LatAm, SEA, or MEA. Just make the warm intro to FT3.
We Partner to Build
FT3 acts as your US market specialist. FT3 Launch handles the heavy lifting—entity formation, compliance, US banking, and market architecture—while FT3 PAY provides an optional payment gateway and smart routing. You keep the merchant relationship, and we handle the US complexity behind the scenes.
Merchant Goes Live
Processing US payments in 4–8 weeks. They stay with you as their primary home market payment partner.
You Earn — Two Ways
Revenue share on every referral. Plus we route US-ready merchants from our network back to you via FT3 Commerce.
Your merchants and users stay yours. Scope and timelines depend on partner type and jurisdiction.
Ready to explore? Book a 20-min call →
Partners Already Winning
Real partners. Real results. No infrastructure build.
Three anonymized case studies showing how international payment partners unlocked the US market through FT3 to drive immediate growth.
Brazil — Online Travel Platform
A major travel agency needed to capture US bookings. We stepped in to handle Delaware LLC formation, sponsor bank setup, and merchant account acquisition. Within 5 weeks, they were live and processing transactions via our gateway. The referring partner saw immediate revenue share growth.
Southeast Asia — B2B SaaS Platform
An HR platform needed to invoice US enterprise clients in USD. We managed their US entity formation, EIN, and banking setup from end-to-end. They closed their first US contract just 30 days after launch. The partner kept the full relationship while we handled the US back-office heavy lifting.
Lithuania — Digital Assets Platform
A digital marketplace hit a roadblock when their previous provider restricted US card acceptance. We bypassed the bottleneck by supporting a compliant US banking and card setup. The platform was transacting in under 10 weeks, keeping them locked within their PSP’s existing portfolio.
All examples anonymized. Details available under NDA for qualified partners.
Why FT3 Partners
We’re not a bank, processor, or competitor. We’re the payment infrastructure and growth engine built for merchants who’ve outgrown standard US solutions.
Every US expansion journey follows the same path: launching, optimizing, and scaling. We handle the heavy lifting across all three, while you keep the primary relationship.
FT3 Launch — Merchant & Platform Acceleration
We handle everything from entity formation and US banking to compliance and payment architecture. Your merchants go live in the US in 4–8 weeks.
FT3 PAY — Payment Infrastructure
FT3 PAY is an optional global gateway featuring smart routing and orchestration to maximize US acceptance. Fully white-label ready for your platform.
FT3 Commerce — Global Partner Ecosystem
We connect international platforms to US opportunities through genuine two-way deal flow. You refer merchants to us, and we route US-ready leads back to you.
We Stay in Our Lane
Your merchants and home market stacks remain yours. We act strictly as your US specialist with zero interest in displacing your primary relationship.
Human Where It Matters
When algorithms say no, we find a way. We’re the real-world experts who handle the edge cases and account rejections aggregators won't touch.
We Move Fast
We get you US-live in 4–8 weeks. We can handle entity formation in as little as 24 hours, keeping you miles ahead of the procurement queue.
It Goes Both Ways
This is a true two-way street. We don’t just take your referrals; we actively route high-value US merchants back into your ecosystem.
Led by Frederik Pen & A Team of Frontline Specialists
Frederik Pen — Founder, builder, and global payments insider — has held senior leadership roles at American Express, Visa, Worldpay, and high-growth fintechs across four continents. FT3 is a digital global boutique fintech: a platform, a team, and a partner network of regional experts — built to support the full business journey, from launch through scale. We've done this work from the inside. That's what makes us different.
Partner FAQ
The questions every international partner asks. Answered honestly.
1
Are you a bank or U.S. payment processor?
We’re neither. FT3 is a technology and growth platform operating through three focused businesses: FT3 PAY, FT3 Launch, and FT3 Commerce. We don't hold funds, issue accounts, or act as a financial institution; we simply bridge the gap to US infrastructure for you.
2
What does the commercial structure look like?
Our model centers on your specific engagement, typically mixing setup and transaction margin fees with project-based scoping. For the right fit, we’re open to gain-share arrangements and performance guarantees. The details are worth a conversation, not a slide.
3
How does the merchant relationship work?
It’s entirely up to you. Some partners prefer a close, collaborative referral process while others want a clean handoff. We don't impose a model; we structure things to fit your preferences because your relationship is yours to define.
4
What exactly does FT3 do — and not do?
FT3 Launch handles the operational heavy lifting for US banking and compliance, while FT3 PAY provides an optional technical gateway layer. We don't operate in your home market or hold merchant funds. We’re here to support you, not compete with you.
5
How do we get started?
A single 30-minute conversation. No contracts upfront. We’ll walk you through both models — referral and direct integration — and figure out what fits. If it makes sense, we move fast.
Every partnership is different. Let's find out what yours looks like.
FT3 Partners
U.S. Market Entry Program
www.ft3partners.com
Let's Take Your Merchants Into the U.S.
A single conversation, no strings attached, is all it takes to see if there's a fit for your merchants. Every partnership we build is designed specifically around how you and your team already work.
The World's Largest Market
With $1.3T in U.S. e-commerce at stake, we provide the infrastructure to capture the opportunity your merchants are already requesting.
Your Merchants, Your Relationship
We act as your behind-the-scenes U.S. market specialist. You remain the primary partner for your merchants, every time.
Tailored to Your Setup
Whether you prefer a referral, a direct integration, or a white-label solution, we structure our support to match your business model.
Get in Touch
[email protected]
+1 (415) 873-0073
Visit Us
www.ft3partners.com
Offices
San Francisco · Amsterdam · Singapore (coming soon)
FT3 Partners, Ltd. · www.ft3partners.com · © 2026