Reduce in-store payment costs across acquiring, terminals, contracts, and operations. z3x helps multi-location businesses turn fragmented POS expenses into a controlled and measurable payment setup.
Start your projectWe establish the full cost of card acceptance, including merchant service charges, interchange, scheme fees, terminal rental, connectivity, maintenance, DCC, refunds, and chargebacks.
We identify unused, duplicated, poorly allocated, or unnecessarily expensive terminals and services across stores, brands, franchisees, and legal entities.
We benchmark commercial terms, assess volume consolidation, prepare RFPs, and support negotiations with acquirers, processors, terminal providers, and technology partners.
We improve POS integrations, settlement, reconciliation, reporting, support processes, SoftPOS opportunities, and alignment between in-store and online payments.
We map providers, merchant accounts, terminals, locations, transaction volumes, card mix, pricing, service levels, integrations, and operational responsibilities.
We normalize invoices and calculate effective cost by location, provider, card type, device, and transaction, exposing fragmented fees and underused services.
We quantify savings from renegotiation, consolidation, device changes, SoftPOS, different acquiring arrangements, improved processes, and omnichannel alignment.
z3x supports provider negotiations or tenders, contract changes, terminal rollout, integration coordination, and measurement of realized savings.
The service is designed for retailers, hospitality groups, restaurants, fuel and mobility companies, healthcare providers, franchise networks, and other businesses operating multiple physical locations. It creates one clear view of payment costs across the estate.
Start your project
Payment changes must work at the till, in finance, and for customers. z3x combines commercial analysis with POS, acquiring, integration, settlement, and reconciliation expertise to create savings that can be implemented without compromising day-to-day operations.
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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