About CARDZ3N
We go beyond processing payments. CARDZ3N exists to solve the critical issues facing our clients, both large and small. CARDZ3N is a merchant service payment processor and payment gateway service provider offering a global, and simple payment platform. We cater to both online and physical stores, including high risk industries, CARDZ3N offers a single solution that handles all key payment methods across four continents, enabling businesses to reach a global audience easily. It supports a vast array of currencies and local payment methods for credit cards, ACH, SEPA, Crypto, & BNPL. CARDZ3N’s platform is highly scalable and can easily adapt to business growth or changes in payment trends. Along with a strong focus on security, it incorporates advanced fraud detection systems and protects sensitive data. Furthermore, CARDZ3N’s detailed analytics and reporting tools offer valuable insights, assisting businesses in optimizing their payment strategies and improving customer experiences.

What is Payment Processing?
Payment processing is an essential mechanism in the commercial landscape, enabling secure transactions between consumers and vendors. It acts as the conduit that confirms and transmits funds from a buyer’s account to a seller’s account in return for goods or services. On a purchase being initiated, the payment processor liaises with the buyer’s bank to verify the availability of adequate funds or credit. Upon validation from the bank, the funds are earmarked and transferred to the merchant’s account. Sophisticated technologies are employed by payment processors to guarantee secure transactions, safeguarding critical data through encryption to deter fraud and unauthorized breaches. Contemporary payment processing is versatile, accepting a range of payment methods such as debit cards, credit cards, and digital wallets, thereby serving as a vital component of both online and physical storefronts.
Payment
Processing is complex and there is not “one price fits all”. We will review your business needs and tailor
a custom solution.
Payment Gateway
Z3N gateway provides a feature rich, e-commerce payment gateway that supports both online and card-present (retail) merchants. Some of the gateway functionality include:
- Robust Reporting – Omni channel reporting or Unified Commerce. Board and manage multiple MIDs on a single gateway account, and consolidate reporting, manage branches, organize products and more.
- Virtual Terminal – that allows merchants to process transactions anywhere in the world from web-enabled devices. The Virtual Terminal supports various payment methods including ACH, credit cards and debit cards.


Online Payroll
HR & Benefits
Here is a short list of things that matter.
- Tax Filing Guarantee
- Live Customer Service
- HR & Benefits
- Pay as you go workers comp
ABOUT CARDZ3N
Business Capital & Missed Opportunities
What is Working Capital? Working capital is defined by dictionary.com as “the amount of capital needed to carry on a business” or your “current assets minus current liabilities.” By calculating your working capital, you are able to understand something much deeper: your liquidity. With this ...

ABOUT CARDZ3N
Pros of switching to an online payroll service
1. More efficient and cost-effective Using online payroll software allows you to complete payroll within minutes—not hours and hours. The online format allows you to easily calculate pay based on hours, overtime and bonuses, while keeping track of PTO. This frees up your staff to focus on more imp...

ABOUT CARDZ3N
What Are B2B Transactions?
A B2B transaction is simply a transaction where the customer is another business rather than an individual consumer. The transaction may involve goods, services, or a combination of both. You’ll also hear the term B2G (business-to-government) transaction, which describes transactions between a bus...

ABOUT CARDZ3N
How stress costs small business owners thousands.
Small Business owners are losing almost 5 weeks a year due to stress. According to a new survey conducted by OnePoll on behalf of Alarm.com found 35 percent of small business owners admitted that work worries follow them home five days a week or more. The study into the lives of 1,000 American small...

ABOUT CARDZ3N
CARDZ3N Launches AerospacePay
On March 21, 2019 CARDZ3N announced its newest product AerospacePay. Leveraging over a quarter century of Aerospace & Defense experience and 20 plus years of Finance and Investment Banking experience. Our team used personal experiences and gap analysis of the payment industry to develop the firs...

ABOUT CARDZ3N
6 Steps to Setting up a Merchant Account
A merchant account allows you to accept credit card payments for your business, whether online, over the phone or in a face-to-face situation. Opening a Merchant Account is much like opening a bank account. 1. Shopping for a Merchant Account. The following will help narrow your search. How are you g...

ABOUT CARDZ3N
What is a Merchant Service Account?
What is a Merchant Service Account? A merchant account is a type of bank account that allows businesses to accept payments in multiple ways, typically debit card, credit cards and ACH (Electronic Checks). There are two main types of merchant accounts: 1) Aggregated Merchant Account 2) Direct Merchan...

ABOUT CARDZ3N
Aggregate vs Direct Merchant Accounts
Aggregate Merchant Accounts These merchant accounts are also known as Third Party Payment Aggregation or in other words, TPPA. An aggregate account is one that splits off of a direct MID (Merchant ID). Some PSP’s and merchant service providers had been known to create aggregates and use false MCC ...

ABOUT CARDZ3N
CARDZ3N Strategic Partnership with Bench
Starting and running a small business can be a stressful process. In a previous post, we discussed how stress costs small business owners thousands. CARDZ3N has partnered with Bench to help further support small and medium businesses streamline their processes and reduce costs. This partnership prov...


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