Payment problems

Something went wrong with how you get paid? Start here.

Pick the problem that sounds like yours. Each page explains what is happening in plain words, and where Zoyn can help as a second way to get paid. Where it can't, the page says so.

Before you read on: we publish every business type we take and every one we refuse — 28 we take, 11 we refuse.

Check yours in ten seconds

When your card company is the problem

Payouts frozen, money held back, or dropped over disputes.

Frozen payout
If a card provider has your payout on hold — a second way to keep getting paid.
Part of every sale held back
What a rolling reserve is — and a second way to get paid.
Too many chargebacks
Dropped over disputes even after you won them — and another way to get paid, if we can take your business.
A second way to get paid
Keep the card processing you already have. Add a backup that doesn't depend on your card company.

Getting paid from abroad

Clients in another country who can't pay you easily.

With Zoyn, each payment settles to a wallet only you control.

Two limits worth knowing. If your own account with us is under review, automatic payouts pause until that is resolved. A buyer paying by card can be declined, or asked to prove who they are, before the money is sent. After a payment from a customer's own wallet is confirmed, Zoyn does not pull it back; for card payments, your payment provider handles card disputes with the cardholder's bank.

Looking for your kind of business instead? See every industry and trade we cover. Not sure we'd take your business? See exactly how we decide.

Add a second way to get paid.

Apply today, and settle each payment to a wallet only you control after the required network confirmations. Every application is reviewed.

Apply now See how it works