Walking together.

A United Future

Technology with a Human Touch


Financial Services & Beyond

We go beyond payments. CARDZ3N exists to solve the critical issues facing our clients, both large and small. Our unique approach is not only what differentiates us, but also what makes us successful. We provide a broad range of services and solutions to help organizations facilitate change, achieve their vision and optimize performance and productivity.  We offer a free review of your current performance and possible areas for improvement.  We offer Merchant Services also know as Credit Card Processing, Online Payroll, HR & Benefits.

Retail Payments

Credit Card Processing

Credit Card Processing is complex and there is not "one price fits all".  We will review your business needs and tailor a custom solution. 


Here are several we start with:

  • How are you accepting payments?

    • Swipe, Key In or Online?

  • What is your transaction size and volume?

  • Do you want to charge Convenience fees?

  • Do you need mobile or outside employees to process payments?

​​We offer flat rate, interchange plus, cash discount and other pricing structures.  Let us educate you on the best solution for your business.  


Once we set your business up with a Merchant Account you will be able to accept Credit Card Payments.

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.

  • The Customer Vault - designed specifically for businesses of any size to address security concerns about handling customer payment information.


Additional Features​:

  • ​165+ Processor connections

  • 175+ Shopping cart integrations

  • 3-Step Redirect API

  • SDKs & APIs

  • QuickBooks® SyncPay

  • Account Updater

  • B2B - Level III Processing

  • Electronic Check/ACH (Single Gateway & Login)

Hand shake
Group of people meeting, man and women shaking hands.

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