Event FT3 is at the WSAA Payments Conference — Palm Springs, Sep 15–17. Book time with our team
Built by operators from AmEx · Visa · Worldpay

YourCross-BorderGrowth Partner.

We help you scale into new markets fast, and take the pain, cost and time out of getting there. The network, the playbook, and operators who’ve done it, in your corner.

The Opportunity

Your next market is worth more than you think.

The US alone is a $1.3T online commerce market. Whether you're entering it or expanding from it, most companies capture a fraction of what's available.

0
Cross-border online commerce
in 2026, growing 18% per year
+0
Conversion lift
from in-market payments & localization
Weeks
Not months
from signed to live
Sources: Forrester · eMarketer · Coherent Market Insights · ITA · Capital One Shopping Research · FT3 Global Playbook 2026

Why going international is harder than it looks.

The opportunity is real. So is the obstacle course. Six places where most businesses underestimate what stands between ambition and live payments in a new market.

01
FT3 LAUNCH
You can’t get banked.
Two months in, three rejections, one line of feedback: “we can’t open this account at this time.” No reason, no path. Your investors want a timeline; your clients want an invoice.
02
FT3 LAUNCH
Compliance is a moving target.
Every market has its own KYB ritual, AML rules and “preferred structure.” What works in Delaware fails in Amsterdam, then Singapore. By the time you understand it, it’s already changed.
03
FT3 PAY
Payments is a jungle.
Cards, wallets, bank rails, BNPL — every market has its own stack. Stitch it together with one provider and money leaks: auth rates drop, declines pile up, FX gets eaten.
04
FT3 PAY
One-size-fits-all doesn’t fit you.
Big platforms run one algorithm for every merchant; legacy players can’t flex to your model or geography. You don’t fit the template — so they say “no,” or say “yes” and underserve you.
05
FT3 NEXUS
You know where you want to grow. Not how to get there.
New markets require more than vendors. You need the right strategy, partners and commercial path — and experienced operators who can move it forward.
06
FT3 NEXUS
Going it alone takes 12–18 months.
You hire consultants, sign vendor contracts, wait for replies, start over when one piece doesn’t fit. Meanwhile your competitors are live in the market.
FT3 GLOBAL RESEARCH PAPER · 2026
The Global Growth Playbook: Capturing the International Expansion Opportunity (2026)
Where the growth is, how to enter, and how to get paid — market entry, payment localization, and the data behind cross-border expansion, for merchants, platforms, and partners scaling internationally in 2026 and beyond.
Who This Is For
Merchants, platforms, and partners expanding internationally.
What's Inside
The growth trends, the entry playbook, and the obstacle course.
Why It Matters
Cross-border commerce is growing ~2x faster than domestic.
Free · Research Paper

The 2026 Global Growth Playbook.

The key trends and opportunities in international expansion — where the growth is, how to enter, and how to get paid across borders. For merchants, platforms and partners. 2026 and beyond.

  • The growth opportunity, sized by region and vertical
  • The market-entry playbook — entity, banking and compliance, done right
  • Getting paid everywhere — payment localization that converts
  • The Road to 2030 — what to build for now
Frederik Pen, Founder & CEO of FT3 Global

“We wrote this for operators, not marketers — it’s the same playbook we run with clients.”Frederik Pen · Founder & CEO

Where FT3 sits

Your business at the center.FT3 orchestrates around it.

New markets. More sales. Less overhead. One partner across the whole growth journey — start wherever you are.

Your Business
at the center
Your Online Store
Direct API or platform
Sales & Transactions
FT3 Pay
Entity & Banking
FT3 Launch
Intl. Growth
FT3 Nexus

Use one service or all three, bespoke to what you need — click any slice to explore.

Scaling internationally — or helping your clients do it?

FT3 is built for both. Same playbook, different entry.

Connected solutions. Built for global scale.

Launch opens markets. Pay moves money. Nexus drives growth.

Start anywhere — use one service or all three. Interconnected, never interdependent.

FT3 Launch — Market entry

Land in a new market. Properly, in weeks.

Entity, banking and regulatory setup, US-bound or outbound, built to be approved the first time. Most businesses are operational in weeks, not the six-plus months of going it alone.

ENTITY & BANKING
Set up to be approved.
US LLC/C-Corp or local entity, banking opened and seasoned with the right narrative for underwriting.
COMPLIANCE, HANDLED
The regulator’s boxes, ticked.
KYB, tax registration and the regulatory setup each market requires — done right, not guessed at.
LIVE IN WEEKS
Operational, fast.
Entity in ~7–21 days, banking in weeks, live and selling without the six-month slog.
Explore FT3 Launch →
FT3 Launch
Tiers from $1,500  ·  Launch Plus $2,995 most popular
Free discovery call · Scope confirmed before work begins · Launch support available with qualifying FT3 Pay engagements
See Full Pricing
FT3 Pay — Payments

Capture more sales.
Pay less to process them.

On cards alone, up to 70% of cross-border sales quietly decline — the wrong rail, not weak demand. FT3 Pay routes every sale to the provider most likely to approve it, at the lowest cost, and reroutes instantly if one drops. More revenue, lower fees, real redundancy — from one integration.

Higher approval rates
Each payment goes to the provider most likely to approve it, so more sales clear and fewer good customers are falsely declined.
Lower cost per transaction
Routed to the lowest-cost viable rail automatically, so you pay less to process every sale.
Redundancy & control
Multiple providers per market with instant failover, no single point of failure, and routing rules you control.
Recurring & fraud, built in
Smart retry and dunning recover involuntary churn; adaptive fraud scoring and 3DS2 protect every transaction.
How it works
One decision, in about 80 milliseconds.
Live·NL → US  ·  iDEAL Wero → USD
Checkout
Pays with iDEAL Wero
Smart routing
Best rate & rail
Multi-acquirer
Route picked
Settled
USD paid out
40+
markets routed
150+
currencies
500+
payment methods
See the full FT3 Pay gateway →
FT3 NEXUS — ADVISORY & VETTED NETWORK

When growth needs more than technology.

Most consultants hand you a deck; most platforms hand you a portal. FT3 hands you operators — people who’ve sat at AmEx, Visa and Worldpay, and built the network to move the work forward.

Six service areas, one team
Regulatory navigation
Compliance posture
Market entry
Sales & distribution
Capital support
Payments optimization
Explore FT3 Nexus →

Real businesses. Real outcomes.

From Launch to Pay to Nexus, three real engagements, one team. Names anonymized at client request — details reflect active relationships.

Global SaaS Platform
+$2.3M
ARR lift
Cross-Border Retailer
+$1.8M
Revenue in 6 months
Digital Marketplace
+89%
GMV year-over-year
Figures vary by client and market. All examples anonymized, indicative of what FT3’s orchestrated approach opens up.
FT3 LAUNCH · B2B SaaS · Brazil → United States

We had enterprise clients in New York ready to sign, but no US entity that banks would actually approve. FT3 structured our banking narrative, matched us to the right provider, and had our US merchant account live in under six weeks. The first application was the only application.

RM
Rafael M.
Co-Founder & CEO, B2B HR Analytics Platform
FT3 PAY · RegTech · EU → US → LatAm

We were running three separate payment relationships across Europe, the US, and Latin America — each with its own contracts, reporting, and overhead. FT3 consolidated everything into one structured relationship with full cross-regional visibility. The FX cost reduction covered the engagement within the first quarter.

MV
Marlene V.
CFO, Digital Compliance Platform
FT3 NEXUS · Platform Partner · Multi-region distribution

We’re a vertical SaaS platform serving merchants in three regions, and our clients kept asking us to help them with banking and payments. We couldn’t build that ourselves, and we couldn’t keep referring them to partners we hadn’t vetted. FT3 Nexus gave us a curated network we could plug into without taking on the risk, and a revenue model that actually made sense for our economics.

SK
Sara K.
VP Partnerships, Vertical SaaS Platform
QUESTIONS & ANSWERS

Before you book, you probably want to know…

How fast can you actually launch us?+
Most engagements go live in weeks, not months — final pace depends on jurisdiction, your risk profile and partner SLAs. We give you a realistic timeline on the discovery call, not a sales pitch.
What industries do you support?+
FT3 works across digital commerce — SaaS, cross-border B2B, digital media, financial services, fintech, and online travel. We specialize in cross-border, high-volume and complex merchant needs and are experienced operating across regulated industries, including crypto payouts, digital assets, and merchant models, especially where large brands and platforms reject.
What does this cost?+
FT3 Launch engagements start at $1,500 and scope up from there based on complexity. FT3 Pay and FT3 Nexus are priced based on your volume, structure and partner mix. Every engagement starts with a free discovery call — you’ll have a clear scope and fee before any work begins.
Do you replace Stripe / Adyen / our current PSP?+
Not necessarily. FT3 Pay is processor-agnostic — we can sit alongside what you have, replace it, or run multiple acquirers in parallel for smarter routing. The goal is the outcome, not the brand of the rail.
Do you guarantee bank or acquirer approval?+
No — and anyone who does is lying. We do guarantee a clean structure, a strong narrative, the right provider match, and a proper process. Our first-application success rate across our active portfolio is strong because we don’t submit until you’re ready.
Where are your partners located?+
FT3 operates across San Francisco, Amsterdam, São Paulo and Singapore (Q3 2026) — with a vetted partner network covering banking, acquiring, regulatory and entity formation in every major commerce corridor. We don’t list partner names publicly; you’ll meet the ones relevant to your situation.
Can platforms and agencies partner with FT3?+
Yes. FT3 Nexus offers referral, white-label and API engagement models for SaaS platforms, agencies, accelerators and acquirers who want to extend cross-border capabilities to their clients without building it themselves. We keep partner numbers small — quality over quantity.
What if I just want to ask questions and not commit yet?+
That’s exactly what a free discovery call is for. No pitch deck, no commitment. You bring the situation, we tell you honestly whether we can help, what it would look like, and what it would cost. If we’re not the right fit, we’ll say so.
WHY FT3

We don't sell DIY software or AI advice.
We deploy solutions.

Four things we do that the big names don't.

01
Operator-led, not platform-led
Built by people who ran payments inside the card networks, the biggest acquirers, and leading industry brands. We’ve seen which international businesses get filtered out — and why. FT3 exists to fix that.
02
Coordinated, not handed off
Entity, banking, compliance and payments, one team accountable for the whole journey. No vendor finger-pointing.
03
Bidirectional from day one
Inbound and outbound. Same team, same playbook, both ways. Most providers only do one direction — and only the easy half of it.
04
Real humans, not ticket queues
You can call us. You’ll know who’s on your file. Decisions made by people who understand cross-border — not by a risk algorithm.
THE TEAM

Built by operators.
Based in the markets that matter.

Frederik (Fredo) Pen — Founder & CEO, FT3 Global
Frederik (Fredo) Pen
Founder & CEO

Over two decades in payments at American Express, Visa and Worldpay, leading global commercial and partnerships. Fredo built FT3 to fix what he watched the big networks consistently fail to do: serve international businesses with the same seriousness as their US counterparts.

Connect on LinkedIn →
WHERE WE OPERATE
United States San Francisco
Netherlands Amsterdam
Brazil São Paulo
Singapore Singapore Q3 2026
READY WHEN YOU ARE

Multiple paths. Pick yours.

We meet you where you are. Tell us your direction and we'll handle the rest.