Card Z3N Overview

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Payment Processing for Standard and High Risk Businesses

Founded in September 2018, Card Z3N is a merchant account provider that serves both standard risk and high risk merchant sectors. The company offers a wide range of retail and e-commerce solutions for most business types, including high-risk specialty areas like adult entertainment, auto parts, collections, credit repair, diet programs, e-cigarettes, electronics, extended warranties, fantasy sports, financial services, firearms, online furniture sales, multi-level marketing, nutraceuticals, online gaming, precious metals, self storage, and travel. According to the company’s website, it also provides payroll, business capital, and payment gateway services to merchants.

Card Z3N Location and Ownership

Card Z3N is headquartered at 4262 Blue Diamond Rd Ste 102-191, Las Vegas, Nevada, and does not list its acquiring bank. Joshua Benedetti is the founder and CEO of Card Z3N.

Card Z3N Review Table of Contents

  • Costs & Contract: Card Z3N offers variable contract terms according to each business’s type, location, and history.
  • Complaints & Service: Card Z3N has received fewer than 10 public complaints.
  • BBB Rating: Card Z3N currently has an “A-” rating with the Better Business Bureau and has received 0 complaints in the last 3 years.
  • Sales & Marketing: Card Z3N does not appear to hire independent sales agents and has not received any complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With Card Z3N
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Products & Services Offered

  • Credit and debit card processing
  • Online payment gateway
  • Virtual terminal
  • Recurring billing
  • QuickBooks integration
  • Payroll solutions

Types of Businesses Served

  • Retail
  • E-commerce
  • International
  • High risk
  • CBD

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Card Z3N Rates, Fees, and Costs

Key Points

Swiped Rate 1.00% - 4.99%+
Keyed-In Rate 1.00% - 4.99%+
Level 3 Processing Plan Monthly Fee $15
Level 3 Processing Rate Interchange + $0.15
Lite Plan Gateway Fee $10
Pro Plan Gateway Fee $15
Elite Plan Gateway Fee $20
Lite Plan Gateway Transaction Fee $0.10 Per Transaction
Pro Plan Gateway Transaction Fee $0.10 Per Transaction
Lite Plan Gateway Transaction Fee $0.15 Per Transaction
Early Termination Fee Undisclosed
PCI Compliance Fee Undisclosed
Equipment Lease Terms Undisclosed

Variable Contract Terms

Card Z3N does not disclose its pricing to the public, and there are no merchant comments that mention specific rates or fees charged by the company. As an all-purpose payment processor active in multiple countries, it’s likely that the company’s contract terms and pricing will vary dramatically depending on each merchant’s business type, location, and processing history. Currency conversions and a merchant’s designated settlement currency could also impact payouts from Card Z3N. Card Z3N sells physical hardware from Clover and Poynt, so it is possible that the company signs merchants up for long-term, non-cancellable equipment leases.

Payment Gateway Pricing

Though Card Z3N does not disclose the terms and conditions of its retail payment processing rates and fees, the company’s website lists the costs of its payment gateway services. Card Z3N offers three monthly plans, its Lite, Pro, and Elite Plans. The Lite Plan costs $10 per month and charges $0.10 per transaction as a gateway fee. The Pro plan costs $15 per month and also charges $0.10 as a gateway fee. Lately, the Elite Plan costs $20 per month and imposes a gateway fee of $0.15 per transaction.

Level 3 Processing Services

In addition to its traditional merchant services, Card Z3N also advertises that it provides level 3 processing for b2b transactions. Level 3 processing relies upon different interchange rates than traditional consumer credit transactions. Accommodating those rates requires different payment processing technology from a merchant account provider to transmit the amount of data required to facilitate the transactions. These services are reserved for b2b and b2g purchases that utilize corporate credit cards. According to the Card Z3N website, it charges a $15 monthly fee and an additional $0.15 per transaction for level 3 processing.

High Risk Means High Fees

High risk merchants who sign up with Card Z3N should expect to pay higher-than-average fees, and they may also be subject to cash reserves on their accounts. This is standard practice within the industry due to the elevated risk of chargebacks that many high risk merchants pose. High risk merchants can reduce their risk of fund holds and chargebacks by being open and transparent with Card Z3N about their business type and product lineup from the start.

No Red Flags

We cannot find any Card Z3N complaints related to the company’s pricing, and there’s no reason to believe that the company’s merchants are dissatisfied with their pricing at this time. It is possible that Card Z3N offers a wide range of potential contract types, so merchants should understand how to spot undesirable terms in their contract.

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Response from Card Z3N

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Card Z3N Complaints & Customer Reviews

Key Points

Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A

No Public Complaints

We are unable to locate any negative Card Z3N reviews, which is a good sign that the company isn’t a ripoff or a scam. The company’s clean complaint record may simply be a product of the fact that Card Z3N has been operational for less than a year. For now, we will interpret this lack of merchant reports as a positive sign that the company is operating ethically.

Card Z3N Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against Card Z3N. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

Card Z3N Customer Support Options

Card Z3N claims to offer customer support “6 days a week, by phone, email or live chat“, but it does not provide any live customer support contact information to the general public. This just barely appears to satisfy our expectations of top-rated payment processors for great customer service, and it appears to serve the company’s merchants well.

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Response from Card Z3N

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Card Z3N BBB Rating Summary

Key Points - BBB

Product & Service Complaints 0
Billing & Collection Complaints 0
Advertising & Sales Complaints 0
Guarantee & Warranty Complaints 0
Delivery Complaints 0

Clean Complaint Record

Card Z3N currently has an “A-” rating from the Better Business Bureau and has been BBB accredited since April 2019. The company has received 0 complaints since its profile was created in April 2019. It also has not received any informal reviews to its BBB profile.

An “A” Performance

The BBB has slightly lowered the company’s rating because due to the short amount of time that Card Z3N has been operating. Given the fact that the BBB’s profile for Card Z3N has not received any complaints, we agree with the BBB’s rating. Merchants should be aware that there are still good reasons to be skeptical of the BBB’s rating system.

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Response from Card Z3N

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Truth In Marketing & Advertising

Key Points

Employs Independent Resellers No
Advertises Deceptive Rates No
Discloses All Important Terms No

In-House Sales Team

Card Z3N appears to rely on an in-house sales team and inbound marketing to advertise its services. There is no evidence that the company employs independently contracted sales agents, and we have not found any Card Z3N sales complaints that mention deceptive conduct or misrepresented fees. We will therefore assume for the time being that the company’s sales approach is transparent and ethical.

Card Z3N Rate Quotes

Card Z3N claims to offer “flat rate, interchange plus, cash discount and other pricing structures” to all merchants, so merchants will want to obtain quotes across all possible pricing plans in order to compare their potential savings. If you suspect that a Card Z3N sales agent has misled you about your rates, you can double-check your monthly bill with a third-party statement audit.

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Response from Card Z3N

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Card Z3N Marketing Example

Card Z3n Logo

Our Opinion of Card Z3N

A Solid Option for Most Merchant Types

Card Z3N rates as a reliable merchant services provider according to our rating criteria. The company enjoys a clean complaint record and is able to serve some high risk merchants. However, merchants should be aware that we have not found detailed information about the company’s pricing and fees. We will continue to monitor the company and update this review as needed. For now, merchants should be sure to compare Card Z3N’s pricing to that offered by other top-rated all-purpose payment processors.

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Thank you for reading my review. I hope that it has helped you with your research.

Why I'm Qualified to Write About Credit Card Processing and Merchant Account Services

I'm a former credit card processing sales director who left the industry because I didn't like how it takes advantage of small business owners. It feeds like a leech on businesses and thrives by imposing fees that are nearly impossible to comprehend. Seeing a need for change, I left and built this website help business owners better understand the industry, research merchant services providers, and get refunds of excessive merchant account fees. My experience of working "behind the curtain" in the industry, and using that knowledge for good, has resulted in millions of dollars returned to hard-working small business owners as well as enterprise-level companies.

From the time that I starting working in the merchant services industry to when I left to create this website, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this "insider" knowledge to myself. To lift the fog, I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers on this website.

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