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Card Z3N


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3 User Reviews

Designed to help small to medium-sized businesses, Card Z3N is a merchant account provider that offers a variety of retail and e-commerce solutions. The company states that it helps organizations facilitate change, achieve their vision, and optimize performance and productivity. Card Z3N even offers a free review of a company’s current performance and will find possible areas of improvement.

Card Z3N offers merchant account services such as credit card processing, online payroll, HR and benefits, business working capital, and consulting services.


The Good

  • Small Business Services
  • Products and Hardware
  • Payment Gateway Pricing
  • Supports High-Risk Merchants
  • 2019 Rising Star Award

Small Business Services

Card Z3N provides a customized small business program to help small business owners control costs and access enterprise solutions. The company also offers a QuickBooks Plug-In that allows the business to process transactions, create appropriate accounting entries, and mark transactions as paid from their QuickBooks.

Card Z3N users can process transactions quickly, efficiently, and even get their funds the next day.

Products and Hardware

Merchant accounts through Card Z3N give consumers a variety of payment acceptance products and hardware to ensure business owners/merchants find the best system for their business, such as.

  • Credit Card Processor Terminals
  • Mobile Merchant Account Services
  • E-Commerce
  • MOTO (mail order telephone order)
  • Point of Sale

Card Z3N also has Z3N Payroll, the company's online payroll service designed specifically for small businesses. Z3N Payroll offers several features that help make payroll a little less taxing. First of all, Card Z3N offers unlimited payroll, which allows users to run additional payrolls at no extra charge. Secondly, the company includes one-day and same-day expedited payroll and cancel payroll. Lastly, users can put their payroll on Auto Payroll.

Payment Gateway Pricing

Card Z3N has three payment gateway monthly plans: Lite, Pro, and Elite.

The Lite plan is $10 per month, charges $0.10 per transaction, and includes 165+ processor connections, a virtual terminal, recurring billing, and more.

The Pro Plan will cost clients $15 per month and costs $0.10 per transaction. Clients will receive all the same features as the Lite plan, but the Pro plan includes the following:

  • QuickBooks SyncPay
  • Electronic invoicing and pay link

Lastly, the Elite Plan is $20 per month and charges $0.15 per transaction. The Elite Plan includes all the same features as the Pro plan but also includes the following:

  • Account updater
  • iSpyFraud/custom fraud tools
  • Customer vault
    • First 1,000 records changes free per month
    • $0.05 transaction after 1,000

Supports High-Risk Merchants

While many processors will refuse to work with high-risk merchant accounts, Card Z3N is a true high-risk merchant services payment processor. 

Card Z3N supports the following high-risk businesses:

  • Auto Parts and Accessories
  • Collections
  • Credit Repair
  • Diet and Weight Loss Programs
  • Cannabis/Marijuana/CBD
  • Fantasy Sports
  • Firearms, Ammo, and Accessories
  • Furniture Sales (online)
  • Multi-level Marketing
  • Nutraceuticals/Herbal Supplements

Consumers should keep in mind that this is not a complete list of Card Z3N's supported businesses. We recommend checking out the Card Z3N website for more information. 

2019 Rising Star Award

Card Z3N was awarded the 2019 Premium Usability and the 2019 Rising Star awards from FinancesOnline — a popular platform for SaaS/B2B software and financial product reviews.


The Bad

  • Little Pricing Information
  • Vague Customer Support

Little Pricing Information

The only cost information you’ll find on Card Z3N’s website is for the Payment Gateway plans. Other than that, customers will have to contact the company to find out any details regarding its retail payment processing rates, contract information, and fees.

Vague Customer Support

There are several ways to get in touch with Card Z3N. The company has a live chat system, where customers can talk to someone as they peruse the website, and customers can call or email the company. However, there are no customer service hours listed, making it hard for customers to know when to call. Additionally, the “Contact Us” form doesn’t include a place to write a message or ask any questions.


The Bottom Line

Card Z3N provides its users with a reasonably reliable, integrated system for processing different forms of payments, such as in-store payments, integrated payments, ACH payments, mPOS, international payments, and more. The company’s Payment Gateway is a robust system and is competitively priced. However, customers will have to contact the company for more specific details.

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3 Reviews

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Verified Customer

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Carlos pagan

They helped me get Everything set up in the best way possible

1 year ago

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Reply from Card Z3N

Thank you!

Apr. 7th, 2020


Verified Customer

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Christopher Bulin; Channel Partner: CyberPayments

The flexibility and amount of resources they provide

1 year ago

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Reply from Card Z3N

Look forward to adding more!

Apr. 28th, 2020


Verified Customer

star star star star star


Amazing support and fast. Made the process so easy!

1 year ago

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Reply from Card Z3N

Thank you, glad to help!

Apr. 28th, 2020

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