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Getting started

Approval timeline and what to expect

From application submitted to your dashboard going live.

Every application is reviewed by a person before the account goes live.

After you submit

Your application enters the review queue and you see a "Your application is in review" screen. The page checks your status automatically — you do not need to refresh, and you can close it. Nothing more is needed from you, and Zoyn emails the decision either way to the address you signed up with.

If you are approved

The same screen becomes "You're approved!". You are not taken straight to the dashboard, because approval and activation are two different things — the dashboard opens once your account is active. Three things sit on that screen:

  • Your rate. The reviewer sets your per-transaction rate at approval, and it arrives as a proposal for your workspace owner to accept or decline. Accepting it is what starts your payment contract being set up, so activation waits on that answer. See Requested fee changes.
  • Connect your checkout account. Where you paste your checkout account keys — you now do this after approval rather than during the onboarding steps. Skipping it does not hold up activation, but you cannot create a payment link without it.
  • What's left before your account is active. A live list of anything still outstanding, saying who has to act on each item.

You land on your dashboard the moment the account goes live, and Zoyn emails you then too.

Your first 30 days

A getting-started checklist sits on the dashboard overview for your first 30 days:

  • Connect your checkout account.
  • Create your first payment link.
  • Send the link to your buyer.

It disappears once every item is done, or when the 30 days are up.

If we need more information

The review team may reach out by email before deciding. Reply from the address you signed up with.

If you are not approved

You will see a "We couldn't approve your application" screen with the reason. You can appeal: the Appeal button opens a support ticket pre-filled with your application details, and the review team will take a second look.

Didn't find your answer? Contact us or go back to the help center.
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Legal & regulatory disclosures

Zoyn is software. It is not a bank, a payment processor, a payment gateway, a money transmitter or a money services business. Zoyn is never the seller in a sale (the "merchant of record"). Zoyn never holds a shop's money, and does not decide how long a payment company may hold it. When a customer pays by card or bank, the payment company handles that payment under its own terms and may hold it for a short time. The money then goes to the shop's own payment contract once the payment network has confirmed it.

Businesses can be based in 64 jurisdictions. A US state stays open when at least one checkout partner still serves buyers there. Customers can pay from 130+ countries through the checkout providers we connect to; which countries customers can pay from is set by those providers, not by Zoyn, and may change without notice. Not available in sanctioned jurisdictions: Cuba, Iran, North Korea, Sudan, Syria, and the Crimea, Donetsk, and Luhansk regions of Ukraine.

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