The Big Names in Payments rejected you?
We won't.
We get you processing U.S. payments. Everything else is what we handle to get you there.
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 PAY fixes that — in 4-6 weeks.
No contracts. No commitment. Free 20-minute call.
U.S. Market Entry Program
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
Standard payment platforms use automated risk systems that flag international entities. You apply, you wait, you get a generic decline. No explanation, no appeal process — just a door that closes without warning.
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 PAY was built specifically for this. We've done it before — and we'll do it for you.
Sound familiar? This is who we built FT3 PAY for.
Not high-risk. Not a problem. Just international — and that's enough to get you rejected by the platforms that weren't built for you.
🌎 Latin America
🇧🇷 Brazil · 🇲🇽 Mexico · 🇨🇴 Colombia
Brazilian and Colombian entities get auto-flagged. Mexican platforms hit walls on USD settlement. We know the workarounds.
🌏 Southeast Asia
🇸🇬 Singapore · 🇭🇰 Hong Kong · 🇮🇩 Indonesia · 🇮🇳 India
SaaS founders closing U.S. enterprise deals with no way to invoice in USD. We've fixed this more times than we can count.
🌍 Eastern Europe
🇱🇹 Lithuania · 🇧🇬 Bulgaria · 🇵🇱 Poland
EU-incorporated but still treated as high-risk by U.S. acquirers. It's frustrating — and it's fixable.
🌍 Middle East & Africa
🇦🇪 UAE · 🇳🇬 Nigeria
High-growth, legitimate businesses that get flagged purely because of where they're based. That's exactly who we're here for.
Not on this list? If you've been rejected, frozen, or told 'we can't support your business' — book a call. We've probably seen it before. All engagements subject to compliance review and business model assessment.
We work with any online business taking payments internationally.
These are the models where we have the deepest expertise.
eCommerce
Your product sells. Your payment stack doesn't. We secure the acquiring relationships and routing that get international merchants live on U.S. rails.
SaaS & Subscriptions
Recurring billing from a non-U.S. entity triggers automatic risk flags. We fix the infrastructure so your revenue flows without interruption.
Travel & Tours
High ticket values and international roots are a red flag for standard U.S. processors. We find the acquiring partners who understand your business.
Marketplaces
Multi-currency, multi-party flows are too complex for standard platforms. We structure your entity for compliance and handle the technical orchestration.
High-Risk & Complex Models
Flagged, frozen, or dropped without explanation? We've solved this before. We find a compliant acquiring path where standard providers won't look.
Not sure if we can help? Book a 20-minute call and find out — no commitment required.
Most clients need all three — but not everyone needs to start there.
Three modules. Use one, two, or all three — depending on where you are. FT3 PAY assesses what you need on the call and builds the right stack. No bundle. No lock-in.
FT3 Launch — The Foundation
Most PSPs give up on international businesses because the legal and banking infrastructure isn't in place. We don't — we build it. U.S. entity formation, sponsor bank relationships, AML/KYC compliance, and merchant account setup. The foundation standard platforms require, but won't help you build. Live in 4 weeks.
FT3 PAY — Payments, Fully Optimized
Once you're set up, the real work begins. U.S. consumers expect Visa, Mastercard, Apple Pay, PayPal, and BNPL at checkout — and 70%+ abandon if their preferred method isn't there. Local U.S. processing means your transactions are no longer flagged as international by issuing banks. Smart routing across multiple acquiring relationships finds the best path for every transaction — higher approval rates, lower fees, and no single point of failure.
FT3 Commerce — Grow Without Limits
Once you're processing, we help you perform — and keep more of what you earn. Checkout conversion optimization, approval rate monitoring, chargeback management, and fee benchmarking. As your volume grows, we renegotiate acquiring terms on your behalf and open new markets. And when it's time to get your U.S. revenue home, we handle that too — global banking, cross-border payouts, and stablecoin settlement via our partner network. USDC and regulated stablecoin rails now settle in minutes at under 1% cost, versus days and 5–7% on legacy wires. We keep your infrastructure ahead of where payments is going — not behind it. Not a support ticket. A team.
You don't need to become a U.S. payments expert. You just need one in your corner.
The U.S. is the start. As your revenue grows, FT3 stays with you — optimizing payments, opening new markets, and building the global infrastructure your business needs to scale beyond it.
Why FT3 PAY
We're not a bank, a processor, or a platform that'll reject you. We're the specialist built for businesses like yours.
We Come From Payments — Not Formation
Most market entry firms help you set up an entity and hand you a list of PSPs to try. We're the opposite. FT3 PAY was built by payments veterans from American Express, Visa, and Worldpay — we start with the acquiring relationships and work backwards. The legal setup exists to get you to your first transaction, not as the end goal.
A Network That Took Years to Build
We've spent years building direct relationships with U.S. acquiring banks, sponsor banks, and payment networks that work with international businesses. These aren't relationships you can find on a website or replicate in a few months. When standard platforms say no, we pick up the phone and call someone who says yes.
Multi-Provider by Design
We don't lock you into a single acquirer. Our platform connects you to multiple acquiring relationships simultaneously — smart routing finds the best path for every transaction, redundancy means no single point of failure, and competition between providers keeps your fees in check. You get control back. Most merchants never had it.
Legal, Compliance, and Payments — One Team
U.S. market entry fails when legal, compliance, and payments are handled by different vendors who don't talk to each other. We handle all three — AML/KYC, entity structure, sponsor bank requirements, card network rules, and ongoing payment optimization — as one integrated engagement. No gaps. No finger-pointing. No falling through the cracks.
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 PAY 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.
A few businesses we've gotten live in the U.S.
All anonymized. All processing U.S. payments.
Brazil — Online Travel
They had U.S. customers ready to book. Every payment platform they applied to flagged their Brazilian entity as high-risk and declined without explanation. Six months of rejections, zero revenue. We formed a Delaware LLC, secured a sponsor bank relationship, and got them a merchant account. Live in 5 weeks.
Southeast Asia — B2B SaaS
They'd closed a U.S. enterprise deal — then nearly lost it. No U.S. entity, no EIN, no banking. The client couldn't pay them. We handled the full setup end-to-end: entity, EIN, banking, merchant account. First U.S. contract invoiced 30 days after we started.
Lithuania — Digital Marketplace
Their U.S. card processing was cut off without warning — mid-growth, no explanation, no recourse. Every week offline was revenue lost. We rebuilt their entire U.S. payment infrastructure from scratch: compliant banking, card processing, acquiring relationships. Back to transacting in under 10 weeks.
All examples anonymized. Details available under NDA for qualified businesses.
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
We coordinate everything — entity, banking, compliance, payment gateway, and smart routing. One team, no gaps, 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 PAY
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 PAY is your U.S. specialist only. Your home market setup stays exactly as it is.
6
How do I get my U.S. revenue back home?
That's one of the most common questions we get — and one most providers ignore. We help you repatriate funds efficiently through global banking solutions, cross-border payouts, and stablecoin settlement via our partner network. USDC and regulated stablecoin rails settle in minutes at a fraction of the cost of traditional wires. We'll map out the right approach for your jurisdiction on the call.
7
Are you just a formation company?
No — and this matters. We come from payments, not legal services. FT3 PAY was built by veterans of American Express, Visa, and Worldpay. The formation and compliance work exists to get you to your first transaction — that's where our real expertise starts. FT3 stands for Financial Technology to the power of 3: we bring together fintech solutions, financial institutions, and your business. Three parties, one outcome.
Still have questions? Let's talk.
Your competitors from home are already in the U.S. market. Are you?
A 20-minute call costs you nothing. We'll map out exactly what your U.S. entry looks like, what it takes, and whether we're the right fit. No pitch. No pressure. Just a straight answer.
$1.3T in U.S. e-commerce
The largest online market in the world — and it's open to international businesses who have the right infrastructure.
4 weeks to live
From first call to processing U.S. payments. Not 12 months. Not a new hire. 4 weeks.
No commitment to start
Book a call. If it's not a fit, you'll know in 20 minutes — and you'll leave with a clearer picture of what U.S. entry actually takes.
The window is open. The question is whether you move first.
Get in Touch
info@ft3pay.com
+1 (415) 873-0073
Offices
San Francisco · Amsterdam · São Paulo
FT3 PAY Ltd. · www.ft3pay.com · © 2026
The complete U.S. payments infrastructure for international businesses.
Financial Technology × Financial Institutions × Your Business
Across regions. Across entities.
San Francisco · Amsterdam · São Paulo
🏛️ LAUNCH
The Foundation — Live in 4 weeks
  • U.S. Entity Formation (Delaware LLC)
  • Sponsor Bank Relationships
  • U.S. Business Banking
  • AML / KYC Compliance
  • Merchant Account Setup
  • EIN & Tax Registration
  • Card Network Onboarding
⚡ PAY
Payments, Fully Optimized
  • Payment Gateway
  • Smart Routing & Orchestration
  • 500+ Payment Methods
  • Visa · MC · Apple Pay · PayPal · BNPL
  • Multi-Acquirer Redundancy
  • Approval Rate Optimization
  • Chargeback & Fraud Management
  • Real-Time Transaction Monitoring
🌐 COMMERCE
Grow Without Limits
  • Conversion Optimization
  • Fee Benchmarking & Renegotiation
  • Global Banking & Cross-Border Payouts
  • Funds Repatriation
  • Stablecoin Settlement (USDC)
  • FX Optimization
  • Partner Network (PSPs · ISOs · PayFacs)
  • New Market Expansion
Use one module or all three — FT3 PAY builds the right stack for where you are.
All engagements subject to compliance review. FT3 PAY is not a bank or payment processor — we are a specialist market entry and payments infrastructure partner.