Crystal Charters
March 14, 2026 | 925-393-3650 | fredo@ft3pay.com
Executive Overview
Crystal Charters relies solely on Stripe. One policy change or hold could halt your bookings. FT3 PAY prevents this single point of failure.
"FT3 PAY launched our backup in a week; we didn't lose a single transaction."
"FT3 PAY understood our business immediately, unlike other providers."
"FT3 PAY is like having an expert payments team without the overhead."
Payment Redundancy
A secondary processor ensures Stripe is never a single point of failure.
Banking Resilience
Backup banking relationships protect your cash flow and operations.
Performance Optimization
Better routing and auth rate analysis means lower costs and more approvals.
Expert Support
Direct access to senior payments professionals — no tickets, no delays.
Why FT3 PAY?
Most payment providers are built for e-commerce. FT3 PAY is built for businesses like yours — high-ticket, relationship-driven, and operating in markets where generic processors fall short.
Built for Specialized Merchants
We serve high-growth and specialized merchants across travel, global e-commerce, digital marketplaces, and regulated industries.
Expert Access, Always On
Real payments professionals available 24/7 — direct access, no tickets, no queues.
Redundancy-First Architecture
We design for resilience from day one — not as an afterthought when something breaks.
Global Reach, Local Knowledge
Caribbean, North American, and European acquiring relationships already in place.
Crystal Charters — Scope & Key Priorities
Our core focus areas for Crystal Charters.
Processor Redundancy & Continuity
Backup processor and automatic failover — bookings never stop.
Acquirer Migration & Strategy
We work collaboratively and hands-on with Crystal Charters to identify, vet, and onboard travel-specialized acquirers. FT3 stays involved throughout this journey, guiding you to gradually reduce Stripe dependency and de-risk your payment infrastructure.
Growth-Oriented Cost Efficiency
Intelligent routing finds the lowest-cost, highest-approval path every time.
Platform Scalability
500+ payment methods and multi-currency support for Caribbean expansion.
Banking & Financial Infrastructure
Banking partnerships and payout solutions — including stablecoin options.
OTA & Marketplace Revenue Optimization
FT3 structures payment flows and commission splits for OTA scale.
FT3 PAY Platform Architecture
A single integration connects Crystal Charters to multiple processors, acquirers, and 500+ global payment methods — with intelligent routing, redundancy, and full visibility built in.
Single API
One integration for all processors and acquirers.
Always-On Redundancy
Automatic failover ensures 24/7 uptime.
Intelligent Routing
Optimized for approval rates, cost, and speed.
500+ Payment Methods
Global support for cards, wallets, and local methods.
Fraud & Risk Tools
Integrated, cross-processor risk management.
Full Visibility
Real-time analytics and consolidated settlement.
Pricing & Fee Schedule
Transparent pricing designed to grow with you.
Pricing is volume-based and scales with your business. Go-live typically takes 2–4 weeks.
Platform Fees
Volume Fee
* Flat rate applied to total monthly processing volume.
Additional Services
Pricing determined by technical scope.
* The $1,600/mo minimum functions as a revenue floor — not an additional fee. Processing revenue earned through FT3-connected processors is credited toward it. Pre-existing direct integrations (e.g. Stripe) are not included.
* If processing revenue falls below $1,600 in a given month, you pay the difference. If it meets or exceeds $1,600, no additional platform fee is charged.
Your Travel Marketplace Growth Roadmap
Phase 1 — Foundation
Now · Cayman Islands · ~$1.4M annual volume
- FT3 PAY gateway live (Stripe + backup)
- Card, Apple/Google Pay & PayPal enabled
- Banking/acquirer redundancy initiated
Outcome: Business continuity protected. No single point of failure.
Phase 2 — Acquirer Migration
Begins after Phase 1 · ~$1.4M–$3M annual volume
- FT3 works with Crystal Charters to identify and vet travel-specialized acquirers
- Gradual shift away from Stripe dependency
- Ongoing collaboration on routing and approval optimization
Outcome: Stripe dependency de-risked. Payment infrastructure diversified with FT3 guidance.
Phase 3 — Caribbean Expansion
9–24 Months · ~$3M–$10M+ annual volume
- Multi-operator marketplace payments
- Caribbean cross-border acquiring
- Scalable full-stack infrastructure
Outcome: Robust, multi-market infrastructure for scale.
Implementation & Next Steps
From kickoff to live in 2–4 weeks.
API documentation available at payground-api.ft3pay.com
Ready to Move Forward?
Confirm Requirements
Align on backup processor needs and routing preferences.
Sign the MSA
Execute the FT3 Partners Master Services Agreement.
Begin Integration
We go live alongside your existing Stripe setup — no disruption.
FT3 PAY
Powered by FT3 Partners, Ltd.
Fredo Pen, Founder & President
📍 1 Sansome St, San Francisco, CA
CONFIDENTIAL — For Crystal Charters use only. Contains proprietary info belonging to FT3 Partners, Ltd. Unauthorized reproduction, distribution, or disclosure is strictly prohibited.
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