Coverage
Industries we support
Below are the industries we onboard and those we do not currently support. Unsupported industries are blocked at signup. If your business is adjacent to a restricted category, reach out before applying — some cases are reviewed individually.
Guides by industry
How settlement, deposits and payouts work in each category.
- Travel & tourismTake booking deposits that settle straight to a wallet you control.
- Professional servicesGet paid on delivery, not on the card company's timetable.
- E-commerceSell online and settle straight to a wallet you control.
- Software & SaaSCollect prepaid terms and settle them to a wallet you control.
- Home services & tradesTake the deposit, book the job, keep the cash.
- Events & entertainmentTake venue deposits, booking fees and stand fees without the money being held.
- Healthcare & telemedicinePatient-pay care, settled to a wallet you control.
- Education & trainingEnrol students worldwide and settle every term on the day.
- Restaurants & hospitalityOn thin margins, each payment is yours once it is final — no waiting on a card batch.
- Legal servicesCollect earned fees and paid invoices without a bank in the middle.
- Automotive sales & serviceHigh-ticket vehicle and repair work, paid to a wallet you control.
- Transportation & logisticsGet paid by shippers and customers across borders, without a correspondent bank in the middle.
- Clothing & apparelSell apparel and settle straight to a wallet you control.
- Home goods & furnishingsTake a made-to-order deposit without a six-month hold.
- Electronics & computer retailSell high-resale-value goods without underwriting the fraud risk.
- Groceries & food retailThin-margin retail, settled to a wallet you control.
- Personal care & beautyThe day's appointments, settled to a wallet you control.
- Pet care & veterinaryEmergency treatment paid up front, settled with no reversal risk.
- Landscaping & agricultureSeasonal revenue that is not held back through the off-season.
- Digital content & mediaDeliver the file instantly. Keep the money for good.
- Marketing & advertisingCollect the retainer. Keep the settlement.
- Photography & creative servicesBook the shoot in January. Keep the deposit in January.
- Publishing & print mediaPre-order money that is genuinely yours once it is final.
- Financial advisoryCollect the practice's own fees. Client assets stay where they belong.
- Real estate servicesCommission income that settles with the closing.
- Non-profit & charityThe gift lands whole, and it lands now.
- Fitness & wellness coachingSell the block of sessions. Keep the money for it.
- Telecom & utilitiesAirtime is instant. Payment is final after the required network confirmations.
- Gaming & interactive entertainmentThe item drops instantly. The payment is final after the required network confirmations.
Guides by trade
Deeper pages for specific kinds of business.
- Air cargo & freightInvoice a shipment by waybill and settle to a wallet you control.
- Private jet charterTake deposits and charter fees for a confirmed aircraft and route.
- Tour operatorsTake the deposit that holds the place, and the balance before departure.
- Vacation packagesTake the deposit at booking, and the balance nearer departure.
- Hotel booking depositsTake a deposit that holds the room, from a guest booking direct.
- Car hire depositsTake the booking deposit online and the security deposit at the counter.
- Cruise bookingsTake the cabin deposit at booking, and the balance before the sailing.
- Expedition cruisesTake the berth deposit far ahead of a remote sailing.
- Day cruises & harbour toursTake the ticket payment in full for a single sailing.
- Regional airlinesTake the full fare at booking on every short-haul route you publish.
- Vacation rentals & holiday letsTake a direct booking: one link per stay, plus the damage deposit.
- RemovalsTake the booking deposit, then the balance at the real figure on the day.
- Yacht chartersThe charter fee and the provisioning allowance as two separate links.
- IT support & helpdeskGet paid per closed ticket or block of hours — nothing charges automatically.
- SEO agenciesOne link for the audit, one for each month's invoice.
- JewellersA buyer abroad pays for one piece from their own wallet.
- Accountants & bookkeepersSend the year-end fee as one link to a client wherever they live.
- Online course creatorsOne link per student, one fixed price, no renewal.
- Tax preparersSend each return's fee as one link at the height of the season.
- Computer repair shopsA deposit for the part, then the balance when they collect.
- Chauffeur & limousine hireTake the booking deposit, then the balance or overtime as a second link.
- Freight forwardersThe shipper pays their share of the load before the goods are loaded.
- International student tuitionAn overseas student pays the tuition deposit before they arrive.
- Phone repair shopsA part ordered in, or a mail-in repair, paid as one link.
- ArchitectsOne link per stage of the design fee.
- Private investigatorsTake the retainer as one link before the work starts.
- Prestige car salesA buyer pays for one car in full from their own wallet.
- Plant & tool hireTake the hire and the security deposit before the machine goes out.
- Commercial contractorsInvoice each stage payment as its own link.
- Pest controlOne payment for each job, with nothing charged automatically.
- Coding bootcampsA deposit to save the place, then the tuition, as two links.
- Language schoolsTake the course deposit before the student travels.
- Online tutorsA parent abroad pays for each block of lessons.
- International patientsThe treatment deposit, paid before the patient flies.
- Med spasBooking deposits and courses of treatments, one link each.
- Bareboat and sailing chartersThe charter fee and the damage deposit, as two links.
- Airport transfersThe fare, paid before the traveller flies.
- Attractions: group bookingsGroup, school and private-hire bookings, one link each.
- Coach and minibus charterA deposit with the quote, then the balance before the trip.
- Media buying agenciesYour fee and the campaign budget, as two links.
- Engineering consultanciesThe report fee, paid before the report is released.
- Security guard companiesEvent deposits and monthly site invoices, one link each.
- Close protectionThe assignment, paid before the team travels.
- Boatyards and marine partsHaul-outs, repairs and parts for visiting yachts.
- Fulfilment and warehousingEach storage and fulfilment invoice as its own link.
- EV charger installersThe charger deposit, then the balance once it's installed.
- Renovation for owners abroadStage payments from an owner who lives in another country.
- Activity venues: group bookingsA deposit for the slot, then one link per guest.
- Vocational schoolsTrade, beauty, culinary and healthcare course fees.
- Therapy and counsellingOne discreet link per session, with a booking number only.
- Equine vetsYard visits and vettings, one link before you leave.
- Pre-owned watch dealersOne link for the agreed price, paid before it ships.
- Hospitality furnitureHotel and restaurant fit-outs, milestone by milestone.
- Bespoke tailoringThe deposit at the fitting, wherever the fitting is.
- Wedding and event floristsA deposit for the date, then the balance before the day.
- Private dining and buyoutsTake the prepayment, then take it off the bill on the night.
- Celebration cakesThe deposit when the date is booked, not when it is baked.
- Helicopter toursOne link per booking, paid by visitors before they arrive.
- Book printersPaid before the run starts, by authors here or abroad.
- Wedding and event venuesThe deposit when the date is booked, then the balance in stages.
- Exhibition and conference organisersStand fees and sponsorships, one link for each invoice.
- Festival organisersTrader pitch fees and group packages, one link per order.
- Independent travel agentsYour planning fee, and the parts of a trip you sell.
- Destination management companiesGroup invoices from travel companies abroad, one link each.
- Online car parts shopsOne link per parts order, for buyers here and abroad.
- Motor factorsA link with the phone order, not card numbers down the line.
- Car parts exportersPaid before the crate is closed, by a buyer overseas.
- Classic car partsRare parts for enthusiasts abroad, one link per order.
- International removalsThe deposit months ahead, the balance from abroad.
- Car shipping and vehicle transportOne link when the car is collected, one at delivery.
- Motorcycle parts and sparesOne link per parts order, for riders here and abroad.
- Car and motorcycle dealer depositsHold the vehicle for a buyer who hasn't visited yet.
- Managed IT servicesThe onboarding fee, then each invoice as its own link.
- Cybersecurity consultanciesA deposit before testing, the balance with the report.
- Cosmetic surgery clinicsThe surgery deposit and the balance, one link each.
- Hair transplant clinicsA deposit to hold the date, from patients abroad.
- Seminars and workshopsFees taken before the day, one link per booking.
- Destination wedding plannersYour planning deposit from a couple abroad, then each stage of your fee.
- Safari operators and lodgesThe deposit from guests abroad, then the balance before they travel.
- Retreats and group tripsA deposit link and a balance link for each guest.
- Solar and battery installersThe deposit when the order is signed, the balance when it is on.
- AV integratorsA deposit to order the kit, then a link for each stage.
- Event cateringThe deposit months ahead, the balance once the numbers are final.
- Private chefsThe booking deposit from guests abroad before you travel.
- Web design agenciesA deposit to start, the rest at launch.
- Software development agenciesAn invoice link for each sprint, paid by a client abroad.
- FreelancersInvoice the client abroad, paid to a wallet you control.
- Translation servicesThe certified translation, paid by a client abroad before you send it.
- Heating and air conditioning installersThe equipment deposit, then the balance once the system runs.
- Call-out plumbers and electriciansText a link after the job to an owner who lives elsewhere.
- Kitchen, bathroom and window fittersThe deposit at order, the balance when the fit is finished.
- Wholesale export ordersA new overseas buyer pays the pro forma invoice before you ship.
- Summer and sports campsThe deposit that holds a place, then the balance before day one.
- Antiques dealersAn antique sold to a buyer who saw it at a fair or in photographs.
- Art dealers and galleriesThe invoice for a work, paid by a collector in another country.
- Auction housesOne link per winning bidder's invoice, sent after the sale.
- Coin and stamp dealersCollector coins and stamps, paid by collectors in other countries.
- Coaching programmesA programme fee after the sales call, in full or in two parts.
- Recruitment agenciesThe placement fee, paid by the employer when the hire starts.
- Garages and repair shopsA deposit before the part is ordered, the balance before collection.
- Bands, DJs and performersThe booking deposit that holds the date, then the balance.
- Dental treatment abroadDeposits and balances from patients who travel for treatment.
- Chiropractors and physiotherapistsA block of sessions or a home visit, paid by one link.
- International schoolsEach term's fees, paid by parents wherever they live.
- Customs brokersYour own fee, paid by an importer or recipient abroad.
- Barrel and box shippingOne link per booking, paid by the sender or family abroad.
- Dive centres and liveaboardsThe liveaboard deposit and balance, or a course fee, as links.
Payment problems we hear about
If something has already gone wrong with how you get paid, start here.
- All payment problemsEvery page about getting paid, grouped in one place.
- Frozen payoutIf a card provider has your payout on hold — a second way to keep getting paid.
- Too many chargebacksDropped over disputes even after you won them — and another way to get paid, if we can take your business.
- A second way to get paidKeep the card processing you already have. Add a backup that doesn't depend on your card company.
- Losing money to wire feesAn overseas client pays one fixed amount by link, with no bank wire in the middle.
- No merchant accountNo card account from a bank? Send a payment link for a fixed amount.
- Part of every sale held backWhat a rolling reserve is — and a second way to get paid.
- Customers abroad declinedWhen a customer in another country can't get a payment through.
- Deposit from an overseas clientTake the deposit from a client abroad before you start the work.
Supported
28Standard onboarding (22)
Onboard as-is — no additional conditions.
- Software / SaaS
- Professional services
- Digital content / media
- Education / training
- Marketing / advertising
- Non-profit / charity
- Groceries / food retail
- Clothing / apparel
- Home goods / furnishings
- Electronics / computer retail
- Travel / tourism
- Home services / trades
- Events / entertainment
- Publishing / print media
- Transportation / logistics
- Personal care / beauty
- Photography / creative services
- Automotive sales / service
- Real estate services
- Pet care / veterinary
- Landscaping / agriculture
- Telecom / utilities
Supported with conditions (6)
Onboarded with the noted limits on what settles through Zoyn.
- E-commerce (physical goods)Excludes regulated categories listed below.
- Fitness / wellness coachingExcludes adult / NSFW content.
- Restaurants / hospitalityAlcohol service must be lawful in the merchant's jurisdiction.
- Healthcare / telemedicinePayments only. Zoyn does not store or process patient health records.
- Legal servicesClient trust (IOLTA) account funds must not be settled through Zoyn.
- Financial advisoryAdvisory and brokerage services only. Currency exchange and money transmission remain unsupported.
Not supported
11- Gambling / wageringRequires regulatory licensing not currently supported.
- Money services / FXNot supported due to money services regulations.
- Cannabis / marijuanaFederally unlawful in the United States.
- Firearms / ammunitionVendor-side prohibitions apply.
- Adult / NSFW contentVendor-side prohibitions apply.
- Tobacco / vapeRequires age verification not currently supported.
- Cryptocurrency trading / DEXNot supported due to securities and money services regulations.
- Debt collectionRegulatory and reputational exposure.
- Multi-level marketingRestricted by the payment providers we build on.
- Bail bondsRestricted by the payment providers we build on.
- Income-claim and make-money-online programmesRestricted by the payment providers we build on.