Straight answers to fair questions.

You do. Your money goes to a wallet you control — we never have it, and if you keep that wallet yourself, in your own wallet app or on your own device, we hold no key that could move it. There is one point where someone else does hold it: if your customer pays by card or bank transfer, the company that takes that payment holds it first, on its own terms, before it reaches you. Once the network has confirmed the payment into your wallet, it is yours.

No. Zoyn is a software platform — not a bank, money transmitter, payment processor, or wallet provider. Payments settle directly between your customer and you on the Base blockchain, using infrastructure operated by third parties. The details are in our legal documents.

It depends on how your customer pays. A card or bank payment goes through their provider first, and that provider can add its own processing time or a hold. After that, the payment still has to be confirmed on the network before we count it as final, and how busy the network is affects how long that takes. Your dashboard shows where each payment has got to, so you are never guessing.

Not by Zoyn. Your payments arrive in your own wallet in the settlement currency you chose — USDC, a digital dollar, by default. We don't pay out cash to bank accounts. To get money into your bank, you move it from your wallet to an exchange or similar service of your choice that converts it and sends it to your bank; that service's own fees, checks and timings apply.

A confirmed on-chain transfer is treated as final after the required network confirmations. If you refund it, you send funds from your own wallet. For card payments, your payment provider handles card disputes with the cardholder's bank. Zoyn does not set or waive a card provider's dispute, reversal, hold, or fee rules.

If they send a little less than the link asks for and the amount missing is small, we complete the payment on our own — you won't see it as a problem. A bigger shortfall shows as "Underpaid" on your dashboard, and it's your call what happens next: send them a link for just the difference, or accept what arrived as the final amount. If they send too much, we don't calculate or refund the extra for them — like a cash overpayment, sorting that out is a conversation directly between you and your customer.

We can't get it back for you, and neither can anyone else — that is the flip side of keeping the wallet yourself. We never hold a copy of your wallet's key or recovery phrase, so there is no "reset my password" option. If you still have your recovery phrase, that is your way back in — write it down and keep it somewhere safe as soon as you set the wallet up. If access is gone for good, you can point future payments to a new wallet you control from your dashboard — but anything already sent to the wallet you lost stays there; nobody, including us, can move it for you.

Nothing — because we never had it. Your payments settle straight into your own on-chain contract and wallet, not into an account at Zoyn. If our software ever went away, your contract, your wallet, and the outside accounts you’ve connected keep working on the network without us. What would stop working is the dashboard, your links, and our reporting and support. The details are in our legal documents.

Yes. Your payment provider publishes a limit for new customers that starts at 1,500 US dollars a week and can rise over time to 10,000 dollars a week (published by the payment network, checked 4 Oct 2026). Each card company also sets its own limits, and these can be lower: some will not take less than about 5 dollars, some limit a new customer to less per week, and some limit a single payment. These limits can change, so we don't promise any card amount. If a card payment is refused or reduced, your customer can pay the same link from their own crypto wallet, which is not under a card limit, or you can send the amount as more than one link.

Sometimes. Where a card company offers bank transfer, the person paying can choose it at checkout. The card company sets its own limits and fees for it, and decides how long it takes. We only count a payment once the money has actually arrived, so a bank transfer shows as paid when it lands, not when it is sent.

Because the card company adds its own fee and converts your customer's currency at its own exchange rate, so the total on the card screen can be higher than the amount on your link — often by about 5 to 10 percent on a small payment, and it varies by card company and by how they pay. That extra goes to the card company, not to Zoyn, and your customer sees their total before they confirm. Your own amount doesn't change: the amount your link asks for is the amount we look for arriving.

Then it isn't counted as paid in full. We only mark a link or invoice as paid from money that has actually arrived — never from what a card screen said would be sent. If a card company takes less than your link asks for, for example because of its own limit, the smaller amount shows on your dashboard as "Underpaid", and you choose what happens next, exactly as with any other short payment.

They may be. The card company may ask your customer to confirm some details or verify who they are before the payment goes through. Those checks belong to that company, not to Zoyn, and what it asks for is its decision. When a check is needed, it usually happens the first time someone pays with that card company, and larger amounts are more likely to need one. A customer paying from their own crypto wallet is asked none of this.

Most countries, but not every one. Card payment depends on where your customer is, the currency, and which card companies can serve them, so we don’t publish it as a fixed list of promises. Our Markets page is a good guide, and your customer’s checkout shows whether card payment is available to them. If it isn’t, they may still be able to pay from their own crypto wallet.

Often, yes. Some card companies accept Apple Pay, and Google Pay is offered in some places. Which ones appear depends on your customer's device, their country and the amount, so the checkout shows each customer the options they actually have.

Usually, yes. A customer paying from their own crypto wallet can often pay with a different coin or from a different network, and the payment is converted on the way so that you receive your settlement currency. The checkout shows which coins and networks they can use, and the exact amount they'll pay, before they confirm.

A percentage of each payment, agreed with you in writing before you go live. Crypto payments start at 0.75%. If your business can take card payments, those have a separate, higher price, which you see and agree to before you go live. No monthly platform fee, no setup fee. If your customer pays by card, the card payment company adds its own charge and a margin on the currency conversion — paid by your customer at checkout, not by you, and neither set nor received by Zoyn. See Pricing for the full picture.

Yes. A customer who pays by card goes through an independent card payment company, and that company adds its own charge — and a margin on the currency conversion — to what your customer pays. It’s set and charged by that company, it is part of the total your customer sees before they pay, and Zoyn neither sets nor receives it. A customer paying from their own crypto wallet does not pay it. Zoyn’s own fee on a card payment is the card price you agreed, which is separate from your crypto price — see Pricing.

You pay Zoyn's fee. Your customer pays any extra charge for how they pay. Zoyn's fee comes out of each payment: your crypto price and, if your business can take card, a separate, higher card price, both agreed with you in writing before you go live. The extra charge is the card payment company's own charge if your customer pays by card, or a network charge if they pay from their own crypto wallet. It is added on top of your price, and your customer sees their total before they pay. Zoyn does not set or receive it.

A small charge for using the network that records and moves a crypto payment — a bit like postage on a parcel. It goes to the network, not to Zoyn and not to any card payment company. When your customer pays from their own crypto wallet, the checkout shows the total they will send, and their wallet shows its network fee, before they confirm. It is usually a small amount, but it can rise and fall with how busy the network is.

You set the amount of every link and invoice. If your customer pays by card in another currency, the card company converts it at its own rate. If they pay with a different coin, the exchange rate comes from the route the payment network uses at that moment. Either way, your customer sees the exact amount before they confirm, and the amount we look for arriving is the amount on your link. What reaches your wallet is that amount less Zoyn's agreed fee.

You apply with your business details, confirm a short set of agreements, and connect the accounts your checkout runs on — we guide you through each step. We screen every application against our requirements, and there is no instant approval.

Your business's legal name, and your trading name if it's different; your website; a few sentences on what your business does; roughly how much you expect to take each month; your business address and a phone number; and a wallet on the Base network for your payouts — the application shows you how to set one up for free if you don't have one. We don't ask for a tax ID or company registration number.

Yes. We screen every application, and we don't approve everyone. If we turn you down, we tell you why in the decision email. If you can fix what we flagged, you can apply again, once for each decision, with no waiting period. If you think we got it wrong, you can ask us to take another look. If we turned you down for a sanctions or compliance reason, asking us to take another look is the way forward.

Two different questions. Where your business can be based: we publish the jurisdictions we onboard today on the Markets page — some countries and US states are not supported, and we do not onboard businesses in comprehensively sanctioned countries. Supported business types are on the Industries page. Where your customers can pay from: card and bank checkout depends on where they are, their currency, and which checkout providers can serve them — usually a wider reach than the onboarding list, and the Markets page explains that separately.

Yes. Invite teammates with roles that match their job — a shop owner or location manager runs day-to-day operations, team leaders and cashiers create payment links, and a bookkeeper sees reports and exports without changing anything. Everyone gets exactly the access they need and nothing more. If one of your team needs a bit more or a bit less than their role gives them, the shop owner can build a custom role with exactly the extra permissions they need.