Reduce payment costs without compromising conversion, acceptance rates, or customer experience. z3x identifies unnecessary fees, improves payment performance, and supports provider negotiations and implementation.
Start your projectWe review acquiring agreements, PSP invoices, scheme and interchange fees, gateway pricing, terminal costs, FX, chargebacks, and operational expenses to establish your true payment cost.
We compare your commercial conditions and payment KPIs with relevant market alternatives, looking beyond headline transaction fees to the cost of each successful payment.
We prioritize savings opportunities, prepare a fact-based negotiation position, and support discussions or tenders with acquirers, PSPs, gateways, and terminal providers.
We help implement commercial and technical changes, then verify whether the expected savings, acceptance improvements, and operational benefits are being achieved.
We gather transaction data, provider invoices, contracts, pricing schedules, payment-flow information, and business requirements across channels, markets, and legal entities.
We calculate effective costs by provider, market, payment method, card type, and channel. Where relevant, we also review approval rates, conversion, fraud, chargebacks, and operational effort.
You receive a quantified list of opportunities, provider benchmarks, commercial and technical recommendations, and an implementation roadmap ordered by value and effort.
z3x can support negotiations, provider selection, migrations, configuration changes, and post-implementation measurement so recommendations translate into measurable results.
A low advertised transaction fee does not always mean a low payment cost. Declines, cross-border fees, FX, chargebacks, terminal charges, manual reconciliation, and weak routing can materially change the economics. z3x builds a complete baseline that shows where money is spent and where changes will create the most value.
Start your project
This is more than a procurement exercise. z3x evaluates pricing together with acceptance, conversion, fraud, customer experience, architecture, and operations. The result is a practical optimization programme that protects revenue while reducing avoidable costs.
The z3x team demonstrated a high level of professionalism and an excellent understanding of the specifics of the FinTech and e-commerce market. The audit, detailed analysis of the competitive environment, and local customer expectations provided us with valuable data that really supported the decision-making process and planning for the launch of new services. We appreciate the strategic approach, timeliness, and quality of the materials prepared. The cooperation went smoothly and fully met our expectations.
Working with the z3x team on auditing our processes proved to be very valuable. We received a detailed analysis of existing solutions, reliable research, and specific recommendations for changes and improvements. The team demonstrated extensive knowledge of the industry and the ability to combine business and technological perspectives. The entire process ran smoothly, and the materials prepared provided a solid basis for further optimization activities.
Collaboration with Z3X Tech-Care Group helped us structure and redesign selected processes within our digital environment. Through targeted automation and operational flow optimization, we achieved improved operational efficiency and enhanced customer conversion performance.
Z3X are experts who advised us on chatbots, automation, and integrations. Thanks to their support, we eliminated many manual processes, accelerated company processes, and gained ready-to-use solutions. With their expert knowledge in AI and automation, the team led by Jakub Smeda and Karol Zielinski is highly recommended to all managers who need competent technology consulting.
Collaborating on the implementation of the debt collection game (memo) was an interesting and inspiring project for us. The solution stood out for its unconventional approach to customer communication, effectively increasing response rates in the initial phase of the campaign and demonstrating the potential of modern tools in the field of collections. We particularly appreciate the team’s flexibility and openness to tailoring the solution to our needs. The project served as a valuable complement to our standard strategies and provided us with many valuable insights that we are using to further develop our processes.
The z3x team provided comprehensive support throughout the design and development process of our new mobile application - from the initial concept, through product strategy development, to the final implementation. The collaboration covered both the technological and business aspects, with every stage carried out with great attention to detail and quality. The team demonstrated an excellent understanding of our needs, high flexibility, and the ability to efficiently address emerging challenges. The implementation of payments was just one of many well-executed components in this complex project.
Collaboration with Z3X Tech-Care Group helped us structure and clarify the direction of our next steps in preparing the organization to work with AI.
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