The Synergy Between FinTech Innovation and Marketing Strategy
Building a FinTech product and successfully bringing it to market are two different challenges. A company can develop an excellent payment product, l...
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.
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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.
Building a FinTech product and successfully bringing it to market are two different challenges. A company can develop an excellent payment product, l...
PCI compliance is one of the core security requirements for companies that accept, process, store or otherwise handle payment card data. For merchants...
AML, or Anti-Money Laundering, is the set of rules, processes, controls and technologies used to prevent financial services from being used to disguis...
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