Collect for the term, settle on the day.
Software vendors sell access rather than objects. There is no shipment to evidence, prepaid terms sit inside the dispute window for their whole length, and reseller economics have to be reconciled by hand. Being paid to a wallet you control changes all three.
The problem is the gap between paying and delivering.
Digital goods are the hardest disputes to win
An access grant leaves no delivery trail a card company recognises. Login records are rarely treated as compelling evidence, so digital-only categories are underwritten as elevated dispute risk.
The customer sends the payment rather than having it taken, and Zoyn does not reverse a confirmed transfer, so wallet payments produce no disputes to evidence.
Reserves against prepaid annual terms
Money collected up front for a twelve-month term is exposed for as long as the card company's dispute window stays open. A rolling reserve against annual prepayments is a normal underwriting response.
Settlement is treated as final only once the transaction confirms, and that confirmed leg is not a card-network dispute rail, so term length stops being an underwriting variable.
Reseller and partner revenue reconciled after the fact
A deal closed through an implementation partner or reseller owes two or three parties. That share is usually calculated from a report and paid weeks later, out of a single settlement.
Settlement reaches your wallet after the required network confirmations, so reseller and partner invoices can be paid on timing you control, from your own wallet, out of money that has already settled.
International customers, domestic banking rails
Selling globally from one banking relationship means issuer declines abroad, cross-border interchange, and FX spread on the way in and out.
Customers pay by card in the countries listed on our Markets page, or directly in crypto, and either route settles as USDC by default.
One payment, settled to a wallet you control.
Create the term link
Set the fixed amount for the seat count or plan period and add your account reference. Send it when you want that term paid.
Customer pays their way
Card or crypto on a hosted checkout. Card availability depends on the buyer's location, currency, and available checkout providers. Card-funded payments are handled by the checkout provider — you never touch card data.
Your share is fixed up front
The shares are fixed when your payments are set up: your share and the platform fee. Every payment follows them exactly, and each one can be checked on a public record.
USDC lands in your wallet
Final after the required network confirmations, into a wallet you control. Zoyn never holds it.
Where we can onboard you today.
Your type of business
Businesses in this group can apply. You pick your exact type of business when you apply, and every application is reviewed.
Jurisdictions we cannot serve
We cannot onboard merchants operating from comprehensively sanctioned jurisdictions. A US state stays open when at least one checkout partner still serves buyers there. We do not hold ourselves out as licensed anywhere.
Wallet addresses you'll be paid to are checked against sanctions lists when you enter them, and re-checked every day after that.
Pages for specific trades.
What software & saas merchants ask first.
Can you charge our customers automatically each month?
No, and that is deliberate. Zoyn does not run recurring billing and never debits a customer without them completing a checkout. Each billing period is a fixed-amount link you create and send — the same push model that removes the chargeback also removes the automatic debit.
What happens if a customer wants to cancel mid-term?
You issue the pro-rata refund yourself, from your own wallet, according to your terms of service. Zoyn does not reverse it, and there is no card-scheme chargeback fee on wallet payments, so the refund follows the contract your customer agreed to rather than an issuer's dispute policy. For card payments, your payment provider handles card disputes with the cardholder's bank.
Do you take custody of our revenue?
No. Zoyn is not a payment processor and is not a money transmitter — settled funds never sit with us. Payments pass automatically from the customer to a wallet you control, and Zoyn never holds them.
Looking for a different sector? See every supported industry.
Recognise the revenue and hold the cash.
Create a term link, collect for the period, and settle it once it clears.