A United Future

Technology with a Human Touch


Financial Services & Beyond

We go beyond payments. Card Z3N, LLC. 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, Business Working Capital & Consulting Services.

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.


Capital & Funding

Small business owners face both challenges and opportunities on a daily basis that require them to have access to capital.

Working capital may hold the key to your company’s success. Working capital loans are short-term loans that help you cover the daily expenses of running your business, and to generally keep your business’s finances flowing smoothly. Working capital affects many aspects of your business, from paying your employees, vendors, or planning for sustainable long-term growth. In short, working capital represents a company's efficiency and short-term financial performance.


Our business capital products may be used for any business expense, even if you just need an influx of capital to boost your cash flow.  

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


With years of experience, our staff has the capabilities and expertise to take your business to the next level. At Card Z3N, LLC., we combine our insights and skills to transform your processes and strategies, and in turn, your company. 


Our team has a diversified background ranging from Investment Banking, Aerospace, Logistic and Supply Chain, Contract Law, FAR's, ITAR, Processing Improvement and Project Management from Ivy League Universities