Which payment gateways does CARDZ3N integrate with?

CARDZ3N supports native integrations with NMI, Fluidpay, Authorize.net, USAePay, and Valor PayTech, along with APIs for major eCommerce platforms, subscription billing tools, and B2B invoicing, ERP, and CRM systems.

Is my customers' card data stored on my servers?

No. CARDZ3N's gateway integrations use tokenization, so raw card numbers are vaulted by the gateway rather than stored on your servers — reducing your PCI DSS scope and liability.

Payment Gateway Integrations for eCommerce

Payment Gateway Integrations Built for eCommerce

CARDZ3N connects your storefront to the payment gateways and tools eCommerce merchants actually need — from checkout to funding to fraud control.

Real-Time ReportingMonitor every transaction in real time with dynamic dashboards, payment analytics, and performance charts that help you track revenue and processing efficiency.

Tokenization & Card VaultingSecurely tokenize and vault customer payment credentials for faster, safer repeat purchases, recurring billing, and subscription management without ever storing raw card data.

Multi-User Access ControlCreate individual team logins with role-based permissions so you can securely manage payment operations, reporting, and merchant settings at scale.

Account UpdaterAutomatically refresh expired, lost, or reissued card information to reduce failed payments and protect recurring billing continuity and subscription revenue.

Interchange OptimizationAutomate Level 2 and Level 3 data submissions to qualify B2B, corporate, and government card transactions for lower interchange rates and reduced processing costs.

Recurring Billing & SubscriptionsSet up automated payment plans, manage subscriptions, and schedule recurring charges with flexible billing intervals and smart retry logic to maximize collection success.

Chargeback ManagementProtect your revenue with integrated real-time chargeback alerts, dispute management tools, and portfolio-level insights to fight and prevent payment disputes proactively.

Real-Time Fraud DetectionStop fraud before it hits your bottom line with real-time fraud detection, automated risk scoring, and chargeback controls built for high risk and eCommerce merchants.

Gateways CARDZ3N Integrates With

CARDZ3N builds native integrations with the payment gateways eCommerce merchants already run on — so you keep your platform, checkout flow, and existing tools while getting high risk friendly underwriting behind the scenes.

NMIOne of the most widely adopted gateways in the industry, NMI offers a flexible, ISV-friendly platform with a robust API, recurring billing, and a large network of third-party integrations for eCommerce and software platforms.See NMI Gateway Details

FluidpayA modern, cloud-native gateway built for speed and reliability, Fluidpay offers a lightweight API, fast transaction processing, and streamlined onboarding for eCommerce merchants and software providers.See FluidPay Gateway Details

Authorize.netOne of the most established and trusted payment gateways available, Authorize.net offers proven fraud detection tools, a simple hosted checkout, and broad compatibility with major eCommerce platforms and shopping carts.Compare Authorize.net

USAePayA flexible, developer-focused gateway offering a full suite of APIs, a virtual terminal, and recurring billing tools that support both card-present and card-not-present transactions.See USAePay Gateway Details

Valor PayTechCombining gateway and hardware into one ecosystem, Valor PayTech integrates seamlessly with smart terminals and POS systems, giving merchants a unified in-person and online payment experience.See POS Solutions

Shopify, WooCommerce & Magento StoresWhether you're running Shopify, WooCommerce, Magento, or a custom cart, our team configures the right gateway integration for your platform and risk profile — so transactions route cleanly from checkout to settlement.Apply Now

Already Have a Website? Use Our Gateway PluginThe CARDZ3N Gateway for WooCommerce is a free plugin that connects your existing WooCommerce store directly to CARDZ3N/NMI for embedded, on-site checkout — cards, ACH, Apple Pay, Google Pay, saved payment methods, subscriptions, refunds, and Level 2/3 data, no separate hosted checkout required.Get the WooCommerce Plugin

Choosing the Right Gateway
Security, Tokenization & PCI
eCommerce Platform Integrations
Funding, Reserves & Chargebacks
Frequently Asked Questions

Choosing the Right Payment Gateway for Your Store

Every eCommerce business runs through a payment gateway, whether that choice is visible to customers or not. CARDZ3N builds native integrations with NMI, Fluidpay, Authorize.net, USAePay, and Valor PayTech, so merchants keep the storefront, checkout flow, and reporting tools they already use while gaining underwriting built for high risk and mainstream eCommerce alike.

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Payment gateway integration: the technical and underwriting work of connecting a storefront's checkout to a processing gateway — API credentials, tokenization, webhook configuration, and fraud rules — so that authorized transactions settle reliably into the merchant's account.

Security, Tokenization & PCI Compliance

CARDZ3N's gateway integrations tokenize and vault customer payment credentials at the point of capture, so raw card numbers are never stored on a merchant's own servers. That reduces PCI DSS scope, supports safer recurring billing and subscription management, and keeps repeat purchases fast without re-collecting card data on every order.

eCommerce Platform Integrations

Whether a store runs on Shopify, WooCommerce, Magento, or a custom cart, CARDZ3N configures the right gateway integration for that platform and the merchant's risk profile. Native APIs and webhooks route checkout events cleanly from the storefront through authorization, capture, and settlement, so nothing has to be stitched together manually.

What a Gateway Integration Actually Involves

A typical integration starts with provisioning API credentials on the chosen gateway, then configuring tokenization so card data is vaulted rather than stored locally. From there, CARDZ3N's team wires up webhooks for real time transaction status, sets fraud and risk rules appropriate to the vertical, runs test transactions end to end, and confirms reporting and payout settings before flipping the integration live.

A payment gateway integration should be invisible to your customers at checkout and completely visible to you in the dashboard — every transaction traceable from click to settlement.

Funding, Reserves & Chargebacks

Most CARDZ3N merchants receive next day deposits, while high risk eCommerce accounts typically receive funds within two business days of settlement. Some accounts use rolling reserves to manage exposure while processing history builds, and CARDZ3N explains those terms up front rather than after approval. Integrated chargeback alerts and dispute tools sit inside the same dashboard as gateway reporting, so disputes get caught and answered quickly.

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Native API and webhook integration with your chosen gateway — NMI, Fluidpay, Authorize.net, USAePay, or Valor PayTech
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PCI-compliant tokenization so raw card data never touches your servers
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Real-time fraud screening and configurable risk rules for card-not-present transactions
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Level 2 and Level 3 data support to qualify eligible B2B transactions for lower interchange
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Chargeback alerts and dispute management tools built into the same dashboard

Frequently Asked Questions

Need developer documentation or an integration guide for a specific gateway? Contact your CARDZ3N rep for gateway developer docs and setup support.

Payment Gateway Integrations Built for eCommerce

Gateways CARDZ3N Integrates With

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