CARDZ3N Review: Fees, Comparisons, Complaints & Lawsuits

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5/5
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How did they treat you? ▼

Payment Processing for Standard and High-Risk Businesses

Founded in September 2018, CARDZ3N is a merchant account provider that offers both standard-risk and high-risk credit card processing. In 2021, CARDZ3N acquired CyberPayments Solutions.

CARDZ3N Payment Processing

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. Their services include POS solutions, mobile solutions, ACH payments, international payments, payment gateways, virtual terminals, and payroll services.

CARDZ3N Location & Ownership

CARDZ3N is headquartered at 4262 Blue Diamond Rd Ste 191, Las Vegas, Nevada 89139, and does not list its acquiring bank. Joshua Benedetti is the CEO of CARDZ3N.

Card Z3n payment processing
Card Z3N processes payments with a focus on high-risk businesses

CARDZ3N Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Total Online Complaints None
Live Customer Support Yes
24 Hour Support Yes
Lawsuits None

No Public Complaints

We are unable to locate any negative CARDZ3N reviews. The clean CARDZ3N complaint record may simply be a product of the fact that CARDZ3N has been operational for a short time. For now, we will interpret this lack of merchant reports as a positive sign that the company is operating ethically. If you have your own CARDZ3N review to make, please do so below.

CARDZ3N Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against CARDZ3N.

CARDZ3N Customer Service Options

CARDZ3N offers 24/7 customer support via phone, live chat, and a CRM helpdesk.

We have located a single CARDZ3N customer support phone number:

(702) 623-3528 – General Support

CARDZ3N Online Ratings

Here's How They Rate Online

Online Ratings Summary
Total Complaints 0
Resolved Complaints 0

Clean Complaint Record

CARDZ3N 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.

What Merchants Say

CARDZ3N has received 1 informal review to its BBB profile, which is negative. This review describes iffy sales practices:

* CONSUMER BEWARE * I was interested in this company’s merchant processing services. I dealt with the owner, Joshua B********, although he didn’t make it known to me that he was the owner until I asked to speak to his manager when he resisted being transparent. He emailed me an agreement to sign, but the agreement was just between me and the bank. When I questioned some statements on the agreement, Josh stated that a lot of the info in the bank’s agreement wasn’t in line with how his company operates. When I asked him for an agreement between me and his company (Card Z3n), all he said was that all the information was on their website. I told him that info on websites are meant to be changed, and it is NOT considered a contract. He disagreed and then told me I’m not a good fit for his company. In other words, educated customers are his worth nightmare when they begin to question the “contract.” *BUYER BEWARE *

This merchant would be better served by one of our top-rated processors. It should be noted, however, that CARDZ3N disputes the above claim.

An “A” Performance

Given the fact that the BBB’s profile for CARDZ3N 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.

CARDZ3N Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
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

CARDZ3N rates are disclosed to the public, and there are no merchant comments that mention specific rates or CARDZ3N fees. 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 CARDZ3N. CARDZ3N 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 CARDZ3N 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. CARDZ3N 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. We encourage merchants to compare CARDZ3N’s rates to the companies that provide the best merchant accounts.

Level 3 Processing Services

In addition to its traditional merchant services, CARDZ3N 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 CARDZ3N 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 CARDZ3N 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 CARDZ3N about their business type and product lineup from the start.

No Red Flags

We cannot find any CARDZ3N 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.

CARDZ3N Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Employs Independent Resellers No
Advertises Deceptive Rates No
Discloses All Important Terms Yes
Engages In Telemarketing Unknown

In-House Sales Team

CARDZ3N rates as a reliable merchant services provider according to our rating criteria. The company enjoys a clean complaint record and 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 CARDZ3N reviews 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. This compares favorably to our list of best credit card processors.

CARDZ3N Rate Quotes

CARDZ3N 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.

Our CARDZ3N Review Summary

Our Final Thoughts

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 CARDZ3N’s pricing to that offered by other top-rated all-purpose payment processors.

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Which is Most Important for You?

If you had to pick one, which quality would you say will be the most important with your next credit card processor? Tap or click your selection to register your vote:

  1. Low Transaction Fees
  2. No Monthly Fees
  3. No Contract
  4. Reliable Customer Support
  5. Quick Signup

Testimonials & Complaints

How Did CARDZ3N Treat You?

1 User Reviews

  • Jaxson Peggy

    I’ve been using CARDZ3N for my business needs, and I must say, it’s been an absolute game-changer. The convenience and efficiency it brings to managing my cards and payment processes are unmatched. From designing personalized cards to seamless payment transactions, CARDZ3N has it all covered.

    I appreciate how user-friendly the platform is, making it a breeze to navigate and customize my cards according to my brand identity. The customer support team has also been phenomenal, always ready to assist and address any queries promptly.

    Thanks to CARDZ3N, I now have a more professional and impressive approach to representing my business through eye-catching cards. If you’re looking for a reliable and modern solution for all your card and payment needs, I highly recommend CARDZ3N. It’s simply fantastic!

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