Travel & tourism

Take booking deposits that settle straight to a wallet you control.

Travel agencies and tour operators get underwritten for the risk of a long fulfilment cycle. Once the payment network confirms a payment, that risk — and the reserve it justifies — goes away.

Why this category gets penalised

The problem is the gap between paying and travelling.

Rolling reserves on advance bookings

Travel is a long-fulfilment category: a deposit taken in January for an August departure sits inside the card company's dispute window for months. Reserves of 5–10% held for 180 days are a normal underwriting response to that risk.

Settlement becomes final once the payment network confirms it, and that confirmed payment is not a card-network dispute rail — though provider dispute rules can still apply to any card-funded portion of a payment.

Friendly fraud after the trip is delivered

The service is consumed and then disputed. On card rails the funds are pulled back from the merchant first and argued about afterwards, with a fee attached whichever way it lands.

Payments are pushed by the customer, not pulled from them. Zoyn does not reverse a confirmed digital-dollar transfer, so representment — the card-scheme dispute-evidence process — does not apply once the payment network confirms it; provider dispute rules may still apply to any card-funded portion. For card payments, your payment provider handles card disputes with the cardholder's bank.

Suppliers paid out of a settlement that lands days later

One booking often owes an operator, a guide, and an agency, and they wait on a card settlement that arrives in a later batch — your working capital sits between the traveller and the people you owe.

Settlement reaches your wallet once the payment network confirms it, so the people you owe can be paid on timing you control, from your own wallet, out of money that has already landed.

Cross-border payout delay and FX spread

Paying an overseas guide or DMC means a wire, a correspondent bank, and a spread — plus days of float you cannot invoice for.

Paying an overseas guide or DMC is a USDC transfer you sign from your own wallet — no banking intermediary in the path and no float to wait on.

How it works

One payment, settled to a wallet you control.

Create the booking link

Set the amount and reference. The link is yours to send by email, invoice, or your own booking flow.

Traveller 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.

Funds land in wallets you control

USDC arrives directly. Zoyn is not in the path and never holds it.

Coverage

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.

By trade

Pages for specific trades.

Common questions

What travel & tourism merchants ask first.

If a traveller cancels, how do we refund them?

You send the refund yourself, from your own wallet — the same way you would issue any other payment. Because nothing was pulled from the traveller's account, Zoyn does not reverse it, and there is no card-scheme chargeback fee once the payment network confirms it. Your cancellation policy, together with the consumer law that applies to you, decides what is owed, rather than the card company's dispute rules. For card payments, your payment provider handles card disputes with the cardholder's bank.

We take deposits months before departure. Is that a problem?

It is the case this suits best. Long fulfilment is exactly why card companies impose reserves on this category — the money is at risk for as long as the dispute window is open. Once the payment network confirms it, money paid from a crypto wallet is not open to a card-network dispute, so the length of your fulfilment cycle stops being an underwriting variable for that money. A deposit paid by card can still be disputed with the card company under its own rules.

Do you hold our money at any point?

No. Zoyn is not a payment processor and never takes custody. Payments pass automatically from the traveller to a wallet you control. Where the money is paid is fixed when your payments are set up.

Looking for a different sector? See every supported industry.

Stop financing your own reserve.

Create a booking link, take a deposit, and use the money once the payment network confirms it.

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