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Is CARDZ3N the Right Choice for High Risk Processing?

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Maintained Since: June 6, 2019

We take our role in providing guidance and education regarding the card payment industry very seriously. At our own expense, we have vigorously defended our right to continue expose unethical and predatory practices in the industry, successfully defeating every attempt to silence us. However, fending off frivolous lawsuits is costly. To sustain these efforts, one of the ways we generate revenue is through affiliate partnerships with ethical providers. This means that some of our outgoing links connect business owners to trustworthy, low-cost payment processors, which is what most of our readers seek. We see this revenue channel as a win-win-win for everyone involved. Business owners find good processors, processors get good clients, and we are able to continue to provide a valuable service to the small business community. We also recommend and link to many services that do not compensate us. Our priority is to guide you to the best solutions for your needs, regardless of potential revenue. If you have questions, please feel free to contact us.

All mentions of rate and fee costs are estimations based on publicly available information and client feedback. Actual costs may vary based on a variety of factors unique to your business.

CARDZ3N
Rating
A
5/5
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Pros

High-risk specialization
Diverse payment solutions
Fraud prevention tools
Mobile payment options
Positive customer reviews

Cons

Potential higher fees
Undisclosed pricing details
Possible hidden charges
Transparency concerns
No 24/7 support

Overview

In this review of Card Z3N, we take a closer look at the company’s credit card processing services. Their offerings include point-of-sale systems, mobile payment options, and e-commerce features designed to support a variety of businesses. We’ll highlight which businesses may benefit most from these services. We’ll also review client and customer feedback to identify common trends and concerns. In addition, we’ll cover pricing, contract terms, and included services. By the end, you’ll know whether Card Z3N is the right fit for your payment processing needs.

About CARDZ3N

Screen Capture of CARDZ3N Homepage
CARDZ3N Homepage

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.

Products & Merchant Services

Payment Processing

The company provides a broad spectrum of retail and e-commerce solutions for various business types, including high-risk sectors such as 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.

Payroll, Business Capital, and Payment Gateways

CARDZ3N offers a suite of financial solutions aimed at streamlining business operations, including payroll, business capital, and payment gateways. The payroll service automates employee compensation, simplifying the often complex task of managing salaries. Their business capital solutions provide access to financing, allowing businesses to maintain liquidity or invest in growth. The payment gateway services support online transactions, offering secure and efficient processing for businesses that operate in digital spaces.

POS Solutions

CARDZ3N’s POS (Point-of-Sale) solutions are designed to handle in-person transactions across various industries. These systems support multiple payment methods and are designed to be easy to integrate with other business management tools, such as inventory tracking and customer relationship management (CRM) software.

Mobile Solutions

For businesses that operate outside traditional storefronts, CARDZ3N offers mobile payment solutions. These services allow businesses to process payments using smartphones or tablets, making them practical for on-the-go transactions.

ACH Payments

ACH payments, or Automated Clearing House transfers, are another service offered by CARDZ3N. This method enables businesses to process payments electronically between banks, often used for recurring payments like subscriptions.

International Payments

CARDZ3N supports businesses with international payment services, enabling them to accept transactions from customers across different countries and currencies.

Virtual Terminals

The virtual terminal service from CARDZ3N allows businesses to process payments without needing a physical card reader. This is useful for companies that need to accept payments remotely, such as those processing orders by phone or email.

Customer Reviews & Sentiment

No Public Complaints

Our search revealed no negative CARDZ3N reviews. This lack of complaints might be attributed to CARDZ3N’s relatively recent entry into the market. While it’s promising, the absence of merchant feedback should be viewed with cautious optimism. It’s important for users to share their experiences, so if you have a CARDZ3N review, please contribute in the comments section.

CARDZ3N Lawsuits

We have not discovered any outstanding class-action lawsuits or FTC complaints against CARDZ3N, suggesting no significant legal concerns at this time.

Industry Scores & User Ratings

Online Ratings Summary
PaymentPop5
BBB RatingN/A
Trustpilot4.4
Google Maps5
Average Rating4.8

PaymentPop Rating for CARDZ3N

Negative Feedback

There are no negative reviews published about CARD3N on the PaymentPop website.

Positive Feedback

Everything about the experience with Card Z3N has been smooth and stress free. The setup was quick, the interface is modern and intuitive, and we haven’t run into a single issue. It’s exactly what we needed: a clean, no fuss solution that just works.

CARDZ3N BBB Rating

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.

Trustpilot Rating for CARDZ3N

CARDZ3N has a 4.4 out of 5 star rating based on 5 user reviews on Trustpilot.

Positive Feedback

We are new but have been fabulously impressed so far! From getting set up, trained and using the system, it has been fantastic. This is far better than the antiquated system we were using before. The ease of use online, reporting capabilities, rates and customer service are top notch. And we are saving money!

Very happy we switched.

Google Maps Rating for CARDZ3N

CARDZ3N has a 5 out of 5 star rating based on 7 user reviews on Google Maps.

Positive Feedback

Great customer service, simple setup and AMAZING pricing!!! They set proper expectations and have been there every step of the way to get processing quickly. Tons of great features makes it easy to process when and how my company requires to meet our client needs.

Negative Feedback

There are no negative reviews published about CARDZ3N on Google Maps.

Processing Rates & Fees

Variable Contract Terms

CARDZ3N rates are not publicly disclosed, 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 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. 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 CARDZ3N offers a wide range of potential contract types, so merchants should understand how to spot undesirable terms in their contract.

Employee Reviews & Sales Practices

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.

CARDZ3N Competitors

Compare CARDZ3N to competitors that earned top marks.

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Bottom Line

Card Z3N ranks as a dependable merchant services provider based on our rating criteria. The company has maintained an unblemished complaint record and demonstrates a willingness to serve some high-risk merchants. This clean reputation is commendable, showcasing Card Z3N’s commitment to addressing the specific needs of a varied client base. However, the lack of detailed information about the company’s pricing and fee structure leaves some uncertainty. This opacity necessitates that merchants carefully review and clarify costs directly with Card Z3N before entering into any agreement.

We will continue to monitor the company closely and update this review as more details become available. In the meantime, merchants are encouraged to compare Card Z3N’s pricing against other top-rated, all-purpose payment processors to ensure they secure the most favorable terms. While the company’s transparent complaint record is reassuring, merchants should remain vigilant in thoroughly understanding contract terms and evaluating other market options to identify the payment solution that best aligns with their unique business requirements.

Read Actual User Reviews

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Contact CARDZ3N

Contact & Customer Support
CEOJoshua Benedetti
Headquarters4262 Blue Diamond Rd Ste 191, Las Vegas, Nevada 89139
General Support(702) 623-3528
Additional Support ChannelsOnline Contact Form and Live Chat
Websitecardz3n.com