Lower online payment costs while protecting conversion and approval rates. z3x optimizes PSP pricing, acquiring, routing, payment methods, fraud tools, retries, and the technical setup behind every successful transaction.
Start your projectWe combine PSP, gateway, acquiring, interchange, scheme, FX, fraud, chargeback, and operational costs with approval data to calculate the economics of successful transactions.
We identify issuer declines, authentication friction, weak routing, failed retries, checkout issues, and payment-method gaps that increase cost or cause avoidable lost revenue.
We assess whether better pricing, local acquiring, additional PSPs, payment orchestration, smart routing, tokenization, or different payment methods can improve the setup.
z3x supports RFPs, contract negotiations, provider selection, migration planning, integration, testing, and KPI monitoring after implementation.
We collect transaction and fee data by market, provider, card type, currency, payment method, and outcome, together with contracts and the current payment architecture.
We trace fees, declines, failed recurring payments, fraud losses, chargebacks, cross-border traffic, FX, and operational work to find the largest sources of avoidable cost.
We create quantified recommendations covering commercial terms, providers, payment methods, routing, retries, checkout, fraud controls, and reporting.
We help negotiate and implement the selected changes, then measure cost per successful payment, approval rates, conversion, chargebacks, and operational impact.
A cheaper PSP can cost more if it approves fewer transactions or creates more fraud and operational work. z3x connects payment fees with approval rates and conversion, helping e-commerce, SaaS, marketplaces, subscription businesses, and digital platforms improve total payment economics.
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The engagement produces a payment cost baseline, provider and market benchmarks, quantified opportunities, and a prioritized implementation plan. Decision-makers can see expected value, required effort, dependencies, and the KPIs that will confirm results.
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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