Merchant Services & Beyond

Technology with a Human Touch


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.

Customer Services Building

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 Payment Gateway
Online Financial Services

Online Payroll
HR & Benefits

Need help planning or executing your business payroll? Need HR services or benefits? Not sure where to turn. Get easy and affordable coverage. Starting or expanding a business in today’s rapidly evolving environment means making insightful decisions and choosing the right partner. Let us guide you and avoid costly fines.

Here is a short list of things that matter.

  • Tax Filing Guarantee
  • Live Customer Service
  • HR & Benefits
  • Pay as you go workers comp