Card Z3N Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

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:

Visit Card Z3N

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 Overview


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.

Quick Facts

Head Quarters

Las Vegas, Nevada

Year Founded



Joshua Benedetti



Merchant Provider Risk Tolerance

What We Like

Best for high ticket merchants.

Zero setup fee.

Contract term is month to month.

Offers payroll processing.

Human resources functions available.

What We Don't Like

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.

Industries Served

  • Airlines
  • CBD & Hemp
  • Clothing & Apparel
  • Convenience Store
  • Dating
  • Education
  • Educational Seminars
  • Electronics
  • Gaming
  • Healthcare
  • Hosting
  • Jet Charter
  • Legal
  • Marketing Agency
  • Medical
  • Moving Companies
  • Personal Service
  • Pharmaceutical
  • Property Management
  • Restaurant / Bar
  • SAAS
  • SEO & SEM Services
  • Smoking Accessories
  • Sports Betting Advice
  • Telemedicine
  • Thrift Store
  • Web Design Services

Business Types Served

  • B2B
  • Discount Buying Club
  • Drop Shipping
  • Ecommerce
  • Enterprise Merchant Accounts
  • High Risk
  • High Volume
  • Information
  • Low Risk
  • Mobile
  • Mom & Pop
  • MOTO
  • Non Profit
  • Online
  • Retail / Card Present
  • Small Business
  • Subscription / Continuity
  • Tech Support
  • Wholesale

Card Z3N Products & Services



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.

Card Z3N Payment Processing

  • ACH Check Transactions
  • Chargeback & Fraud Prevention
  • Contactless NFC
  • Credit Card Processing
  • Credit Card Terminals
  • EBT Acceptance
  • eCheck & ACH Processing
  • EMV Processing
  • Gift Card Management
  • High-Risk Industries
  • Merchant Cash Advance
  • Mobile Card Reader
  • Mobile Commerce
  • Mobile Payments App
  • Online Payments
  • Online Shopping Cart Integration
  • Payment Gateway
  • Payment Processing Services Integration
  • POS Equipment
  • Recurring Billing
  • Retail Payment Processing
  • Shopping Cart Integration
  • Shopping Cart Provided
  • Signature Capture
  • Virtual Terminal

Card Z3N Billing & Invoicing

  • Billing Portal
  • Contact Database
  • Customizable Invoices
  • Dunning Management
  • Hourly Billing
  • Mobile Payments
  • Online Invoicing
  • Online Payments
  • Payment Processing
  • Tax Calculator

Card Z3N Advertising & Sales

Card Z3N is generally considered to be truthful & ethical in their marketing, advertising & sales practices. Card Z3N does not use independent sales agents.  It appears they rely on inbound leads generated on their website.  No public complaints exist regarding any issues with Card Z3N’s advertising or sales practices, so it appears their merchants are happy with the pricing they receive.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Card Z3N Pricing, Rates & Fees


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 at a Glance

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


Account Setup Fee


Gateway Setup Fee


Annual Fee


Monthly Minimum

Varies due to risk/industry

Statement Fee


Card Z3N Contract & Terms

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


Early Termination Fee

Varies due to risk/industry

Card Z3N Setup & Support


Setup Highlights

  • Live Online (1-on-1)

Support Highlights

  • Domestic Phone Support (Business Hours)

Card Z3N Complaints, Ratings & Reviews

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.





5 / 5






Total Online Reviews

< 10

Total Online Complaints




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