Head to head
Compared side by side on published facts and the same six criteria every review is graded on — generated from the live directory, not a sales page.
CARDZ3N
Payment Processor · 3.0/5 mean
CARDZ3N is a global payment processing platform that supports multi-channel payments, including credit cards, ACH, crypto, and BNPL, tailored to both standard and high-risk merchants.
Read the full review →PayKings
High-Risk Specialist · 4.0/5 mean
PayKings is a specialized payment processor offering tailored solutions for high-risk industries with a strong emphasis on fraud prevention.
Read the full review →PayKings holds the higher standing — by grade, then mean category score. The row-by-row picture below is what should actually decide it for your business.
Both graded against the same six criteria. How we grade · Last fact-checked August 19, 2026.
| Criterion | CARDZ3N | PayKings |
|---|---|---|
| Pricing transparency | 2.0 | 3.5wins this criterion |
| Feature set | 4.0 | 4.5wins this criterion |
| Ease of use | 4.0 |
Straight from each provider's published documentation. Where a number isn't published, we say so rather than estimate.
| Metric | CARDZ3N | PayKings |
|---|---|---|
| Online rate | Not disclosed | Interchange + 0.80% - 1.10% + $0.10 - $0.25 per transaction |
| Monthly fee | Not disclosed | $13 |
| Payout | Not disclosed | Not disclosed |
| Contract | Likely long-term contracts | Typically 3 years with auto-renewal clauses |
| In-person rate | Not disclosed | Interchange + 0.80% - 1.10% + $0.10 - $0.25 per transaction |
| Keyed rate | Not disclosed | Interchange + 0.80% - 1.10% + $0.10 - $0.25 per transaction |
| PCI fee |
From the CARDZ3N review
PayKings publishes interchange-plus pricing across three tiers, giving high-risk merchants a cost anchor that CARDZ3N's fully quote-based model does not provide. CARDZ3N still holds up for merchants who need its broader payment mix — crypto, SEPA, and BNPL — or its dedicated EU and Canadian programs.
Pick PayKings if you are a high-risk merchant who wants published interchange-plus pricing before signing
Ideal for
Not recommended for
Ideal for
Not recommended for
The full reviews carry the pricing narratives, contract analysis and everything else behind these numbers — or let the matching funnel score the whole directory against your business.
| 4.0 |
| Customer support | 3.0 | 3.5wins this criterion |
|---|
| Contract terms | 2.0 | 3.5wins this criterion |
|---|
| Industry reputation | 3.0 | 5.0wins this criterion |
|---|
| Not disclosed |
| $4.50/month |
| Statement fee | Not disclosed | Varies; not publicly disclosed |
|---|
| Chargeback fee | Not disclosed | $25 per incident |
|---|
| Early termination | Not disclosed | $100–$500 depending on contract terms |
|---|
| Last fact-checked | August 19, 2026 | August 19, 2026 |
|---|