Airtime is instant. Payment is final after the required network confirmations.
Telecom and utility sellers deliver value the instant a payment clears, which is precisely why card companies treat the category as elevated fraud risk and hold funds back. A payment the customer sends, final after the required network confirmations, removes the exposure that the reserve was there to cover.
The problem is the gap between paying and delivering.
Instant delivery, delayed settlement
Airtime, data and service credit are consumed immediately and cannot be recovered afterwards. Card companies price that irreversibility as fraud exposure, with reserves and delayed funding attached to it.
A wallet payment is treated as final only after the required network confirmations, so delivering instantly no longer means carrying weeks of exposure for it.
Chargebacks on value already used
A disputed top-up cannot be un-spent. On card rails the funds are pulled back regardless, and the fee lands whichever way the case goes.
There are no card-network chargebacks on wallet payments, and Zoyn does not reverse a settled transfer once it confirms. For card payments, your payment provider handles card disputes with the cardholder's bank.
Reseller, distributor and operator shares
Distribution in this category is layered, and each layer is normally paid out of a pooled settlement days later, once someone has worked out who is owed what.
Each payment settles to your wallet, final, at confirmation, so distribution partners can be paid on timing you control, from your own wallet.
Cross-border collection for customers abroad
Someone paying for service in another country hits declines, an FX spread, and multi-day settlement before the credit can be applied.
Payment is by card in the countries listed on our Markets page, or crypto, on a hosted checkout, and USDC settles to a wallet you control.
One payment, settled to a wallet you control.
Create the top-up or service link
A fixed amount per bundle, plan period, or account reference.
Customer pays card or crypto
Hosted checkout accepts both, and card-funded payments are handled by the checkout provider — card data never reaches you. Card availability depends on the buyer's location, currency, and available checkout providers.
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 settles to your wallet
Final after the required network confirmations, into wallets you control.
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.
What telecom & utilities merchants ask first.
Can customers pay a monthly bill automatically?
Not through Zoyn today. Each payment is a fixed-amount link rather than a stored credential on a schedule, so automatic bill collection stays with your existing setup. What Zoyn suits is one-off top-ups, bundles, and per-period payments the customer initiates themselves.
Can we use this to send money to customers or between accounts?
No. Zoyn is not a money transmitter and does not support remittance, transfers between customer accounts, or anything else that amounts to moving other people's money. It is the software you use to get paid for your own service, and the money settles to wallets you control.
Is our payout wallet checked against sanctions lists?
Yes. The wallet your payments settle to is checked against sanctions lists when you add it, and re-checked every day after that. A check that cannot be completed is never recorded as a pass.
Looking for a different sector? See every supported industry.
Deliver instantly, settle with certainty.
Create a top-up link, take card in the countries listed on our Markets page, or crypto, and keep the money the moment it clears.