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FT3 Launch
Stripe rejected you.
We won't.
U.S. entity. Banking. Payments. Live in 4 weeks.
Most international businesses don't fail in the U.S. because of their product. They fail because the payment infrastructure wasn't built for them. FT3 fixes that — in 4 weeks.
No contracts. No commitment. Free 20-minute call.
U.S. Market Entry Program
www.ft3pay.com
The U.S. market is $1.3 trillion. It's also designed to reject you.
Not because your business isn't good enough. Because the infrastructure — banking, compliance, card networks, acquiring relationships — was built around U.S.-incorporated entities. If you're not one, you're a problem to be filtered out.
You get rejected without being told why
Stripe, Adyen, Braintree — they all have automated risk systems that flag international entities. You apply, you wait, you get a generic decline. No explanation, no appeal process.
The compliance layer is genuinely complex
AML/KYC, sponsor bank requirements, card network rules — it's not impossible, but it's a full-time job if you don't already know the system.
Building it yourself takes too long
12–18 months if you're doing it right. Most businesses don't have that runway.
Nobody explains what to do next
Standard processors aren't set up to help you navigate this. They're set up to process payments for businesses that already qualify.
FT3 was built specifically for this. We've done it before — and we'll do it for you.
From Formation to First Transaction — We Handle Everything
One partner. The full U.S. journey. No 12-month build, no new hires, no guesswork.
FT3 Launch — We Set You Up
Entity formation, U.S. banking, AML/KYC compliance, and merchant account setup. Everything to get you legally and operationally ready. Live in 4 weeks.
FT3 PAY — Payments, Fully Optimized
Smart routing and payment orchestration across ACH, card networks, digital wallets, and BNPL. Higher approval rates, fewer declines, more revenue from every U.S. transaction.
FT3 Commerce — Scale Without Limits
As your U.S. revenue grows, we stay in your corner. Ongoing payment optimization, higher approval rates, access to new markets, and a global network that opens doors as you scale. We don't just launch you and disappear.
You don't need to become a U.S. payments expert. You just need one in your corner.
If You Take Payments Online, We Can Get You Into the U.S.
These are the verticals where we have the deepest expertise — but we work with any online business.
eCommerce
Cross-border merchants face constant friction on U.S. rails. We secure the right acquiring relationships and use smart routing to maximize approval rates.
SaaS & Subscriptions
Recurring billing from a non-U.S. entity triggers automated risk flags. We optimize routing so your revenue flows without interruption.
Travel & Tours
High ticket values and international roots frustrate U.S. processors. We secure the specific acquiring partnerships needed to clear these transactions.
Marketplaces
Multi-currency flows are too complex for standard platforms. We structure your entity for compliance and handle technical orchestration at scale.
Digital-First Brands
Scaling fast with a product that's ready for the U.S. — but your payment stack isn't. We get the infrastructure in place so growth isn't bottlenecked by compliance or acquiring.
High-Risk & Complex Models
Flagged, frozen, or dropped by a major U.S. platform without explanation? We've navigated this before. We find a compliant acquiring path where standard providers won't look.
B2B & Logistics
Cross-border vendor disbursements and invoicing in USD shouldn't require a dedicated treasury team. We handle the banking and infrastructure setup so international operators can scale.
Not sure if we can help? Book a 20-minute call and find out — no commitment required.
A few businesses we've gotten live in the U.S.
All anonymized. All processing U.S. payments.
Brazil — Online Travel
They'd been trying to accept U.S. bookings for months. Every processor flagged them as high-risk because of their Brazilian entity. We formed a Delaware LLC, set up a sponsor bank relationship, and got them a merchant account. Live in 5 weeks.
Southeast Asia — B2B SaaS
Needed to close U.S. enterprise contracts but had no U.S. entity, no EIN, no banking. We handled the whole setup end-to-end. First U.S. contract signed 30 days after we launched them.
Lithuania — Digital Marketplace
Their previous provider cut off U.S. card acceptance without warning. We rebuilt their U.S. payment infrastructure from scratch — compliant banking, card processing, the works. Back to transacting in under 10 weeks.
All examples anonymized. Details available under NDA for qualified businesses.
Why FT3
We're not a bank, a processor, or a platform that'll reject you. We're the specialist built for businesses like yours.
We Move Fast
U.S. entity formation in as little as 24 hours. Full market entry in 4 weeks. While others are still scoping, your business is live.
We Look at Your Business, Not Your Flag
We don't auto-reject based on country of incorporation. We build a U.S. strategy around your actual business model.
Human Where It Matters
When algorithms say no, we find a way. Real experts handle the edge cases and compliance complexity that aggregators won't touch.
End-to-End, Not Piecemeal
Formation, banking, compliance, payments, scaling — one partner for the full journey. No stitching together five vendors.
Built by Someone Who's Seen It From the Inside
Frederik Pen spent years in senior roles at American Express, Visa, and Worldpay — watching international businesses get rejected, delayed, and underserved by the very systems he helped run. He built FT3 specifically to fix that. This isn't a corporate platform. It's a specialist team that moves fast, knows the system, and is built for businesses your size.
How It Works
Four steps from first conversation to live in the U.S. market.
Book a Call
Free. 20 minutes. No contracts, no commitment. We assess your business and map out exactly what your U.S. entry looks like.
We Build Your U.S. Stack
Entity formation, U.S. banking, AML/KYC, compliance, payment gateway, smart routing. All coordinated by FT3 — nothing falls through the cracks.
Go Live in 4 Weeks
Start processing U.S. payments while your competitors are still planning. We move fast so you don't miss the window.
Grow with FT3
We stay with you. Ongoing optimization, higher approval rates, and access to FT3 Commerce's global network as your U.S. revenue scales.
No contracts upfront. Scope and timelines depend on business type and jurisdiction.
Common Questions
Answered honestly, before you even have to ask.
1
Do I need to already have a U.S. entity?
No. FT3 Launch handles entity formation as part of the process. Delaware LLC in as little as 24 hours.
2
What if I've already been rejected by a U.S. platform?
That's exactly who we work with. We look at your actual business model — not just your country of incorporation. If there's a compliant path, we'll find it.
3
How long does it take to go live?
Typically 4 weeks from kickoff to processing U.S. payments. Depends on your business type, jurisdiction, and complexity.
4
What does it cost?
A one-time setup fee plus a small margin on transactions. No large upfront commitments. We'll give you a clear number on the call.
5
Do I need to switch my existing payment provider?
No. FT3 is your U.S. specialist only. Your home market setup stays exactly as it is.
Still have questions? Let's talk.
If you're serious about the U.S. market, let's talk.
A 20-minute call costs you nothing. We'll tell you exactly what your U.S. entry looks like, what it takes, and whether we're the right fit. No pitch, no pressure.
$1.3T in U.S. e-commerce
The largest online market in the world. Most of your competitors from home are already there.
4 weeks to live
From first call to processing U.S. payments. We've done it before.
No commitment to start
Book a call. If it's not a fit, you'll know in 20 minutes.
No contracts. No commitment. Just a 20-minute conversation.
Get in Touch
info@ft3pay.com
+1 (415) 873-0073
Visit Us
www.ft3pay.com
Offices
San Francisco · Amsterdam · São Paulo
FT3 Partners, Ltd. · www.ft3pay.com · © 2026