Best for
High-ticket merchants
Specializes in
CBD, B2B & B2G, aerospace & defense, international merchants
Pricing Summary
Setup Fee: $0
Monthly Fee: Varies due to risk/industry
Swipe Rate: Varies due to risk/industry
Keyed-in Rate: Varies due to risk/industry
Early Termination Fee : Varies due to risk/industry
Contract Terms:
Founded in 2018, this merchant services provider offers additional services in payroll & HR functions to give merchants a comprehensive solution to their business needs.
Card Z3N has a dynamic approach to the financial services industry by providing merchants with credit card processing solutions along with solutions for online payroll, HR & benefits. Card Z3N’s goal is to help businesses “facilitate change, achieve their vision and optimize performance and productivity.”
Card Z3N has a wide range of solutions for a wide range of merchants. They do cater to small businesses in terms of equipment and software, but additionally they have solutions for much larger high-risk and high-ticket merchants in industries such as government and international industries.
Card Z3N is one of very few companies in this industry that offers solutions for USA, Canada, EU, Australia, and Asia (their primary markets are in EU & USA). They are one of the only merchant service providers that offers a domestic solution in USA & EU for the CBD industry; and this includes startups.
Head Quarters
Las Vegas, Nevada
Year Founded
2018
CEO
Joshua Benedetti
Employees
10
Merchant Provider Risk Tolerance
Best for high ticket merchants.
Zero setup fee.
Contract term is month to month.
Offers payroll processing.
Human resources functions available.
Public pricing is not available.
All important terms are not disclosed.
Has a payment gateway fee.
There is a virtual terminal rate.
Has an early termination fee.
Card Z3N offers payment solutions for the following settings: small businesses, B2B & B2G, enterprises, aerospace & defense industry, cross border merchants (international), European merchants and high risk environments.
Card Z3N offers countertop terminals and mobile/wireless terminals from popular brands like Clover, Poynt, Pax and others. Ecommerce solutions come in the form of payment gateways and shopping cart integrations including API’s. The payment gateway pricing has three pricing options depending on needs and Card Z3N claims they average 20% less than other major competitors. Card Z3N also offers a fully customizable ACH payment platform for their merchants.
Small businesses enjoy several perks if they choose to use Card Z3N as their merchant services provider. Those perks include: free terminal program, PCI compliance, fraud prevention, electronic invoicing, account updater, and payer authentication.
According to Card Z3N’s website, they do offer a cash discount program, though no details about the program could be found.
Card Z3N also offers payroll and HR services for small businesses. This service is 100% online and comes with easy to use software, affordable pricing, and no long-term contracts.
Discloses All Important Terms
No
Public Pricing Available
No
Card Z3N does not publicly advertise all of their pricing and fees, though some is available on their website. This is common to the merchant processing industry, especially amongst high-risk accounts. In general, we do know your rates & account fees will depend on your business type, sales volume, processing history, credit history, etc. We can tell you that Card Z3N offers to review your business and tailor a custom solution to your credit card processing needs. There will be higher pricing for high risk merchants including specialty industries like CBD. Other specialty industries may also carry their own requirements and minimums. Card Z3N offers a variety of pricing models such as flat rate pricing, interchange plus, and others.
For merchants that wish to use the Card Z3N payment gateway solution there are 3 pricing levels with the basic starting at $10/month + 10¢/transaction. Higher levels are slightly more expensive but come with more perks like QuickBooks plug-ins.
Card Z3N has a full service payroll program that has a tax filing guarantee. Payroll services start at $28/month plus $3.50/month per employee. In addition, HR software is $3.00/month plus $1.00/month per employee and time & attendance software is $4.00/month plus $1.00/month per employee.
Card Z3N claims that by offering custom quotes for their merchants, they will beat competitors 99% of the time.
Pricing Model
Interchange PlusTiered PricingFlat Rate
Swiped Rate
Varies due to risk/industry
Keyed-in Rate
Varies due to risk/industry
Mobile Payment Rate
Varies due to risk/industry
Virtual Terminal Rate
Payment gateway monthly fee + 10¢ per transaction
Monthly Fee
Varies due to risk/industry
Payment Gateway Fee
$10, $15, or $20 per month
Batch Fee
Starts at $0
Early Termination Fee
Varies due to risk/industry
PCI Compliance Fee
Varies according to acquiring bank
Equipment Lease Terms
Varies due to requested equipment & credit
Address Verification Service (AVS)
Varies due to risk/industry
Application Fee
$0
Account Setup Fee
$0
Gateway Setup Fee
$0
Annual Fee
$0
Monthly Minimum
Varies due to risk/industry
Statement Fee
$0
Card Z3N does not publicly disclose their contract terms & conditions. However they do advertise a short version of their merchant application online, but it only has blank fields where the merchant would put in personal and business information, no pricing or rates are found on the online application.
We always encourage merchants to read the fine print on all applications and contracts.
Contract Length
Month-to-month
Early Termination Fee
Varies due to risk/industry
Card Z3N was founded recently in 2018. This may explain the lack of reviews describing merchants’ experiences with the company. The few Card Z3N reviews we did find, hold the company in high regard. Merchants boast about excellent customer service practices and reasonable pricing structures for high-ticket accounts.
The BBB gives Card Z3N an “A” rating, and reports zero complaints. Note: there are no reviews from merchants on this site (good or bad).
We found no negative reviews about this processor, which leads us to believe most of their merchants are happy with the service they provide.
No outstanding class-action lawsuits or FTC complaints filed against Card Z3N could be found.
BBB
A
5 / 5
N/A
Yelp
N/A
Total Online Reviews
Total Online Complaints
0
Lawsuits
0
If you're in the market for a merchant account provider, be sure to check out our user reviews, our merchant accounts guide and our top popular merchant provider picks