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Payment problems — Overseas clients

Take a deposit from a client in another country.

A new client abroad has said yes, and you need the deposit before you start. Send them one link for the exact amount. They pay from their own wallet, and it settles to a wallet you control.

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
Why the deposit stalls

Three things get in the way of a deposit from abroad.

A new client, far away, and nothing paid yet

You have never met them, their bank is in another country, and you are about to book time, order materials or turn other work away for them.

A wire for a small deposit costs too much to bother

An international bank transfer for a deposit can take days to arrange and lose part of the amount along the way, so clients put it off and the start date slips.

The client cancels after paying

Plans change. When they do, the question is what the deposit covered and what, if anything, goes back.

What's different here

One link for the deposit, straight to a wallet you control.

The link asks your client for the deposit you quoted, and nothing more. What comes off is our fee, the one agreed with you in writing, and it is the same whichever country your client is in. Network fees are separate: your client pays them on top of the amount and sees their total before they pay.

Two limits worth knowing, in the same breath. If your own account with us is under review, automatic payouts pause until that is resolved. And if your client pays by card, the payment can be declined, or they can be asked to prove who they are, before the money is sent. That is a payment that doesn't happen, never money taken back from you afterwards.

How it works

One deposit, one link.

1

Send one link for the deposit

Set the exact amount and put your quote or booking number in the description.

2

Your client pays

From their own crypto wallet, or by card where available. For a card payment, buyer eligibility depends on country, payment method, provider, and compliance checks.

3

The deposit reaches your wallet

Settlement reaches your wallet after the required network confirmations, in the currency the link was set in. Then you start the work.

Deposits in your trade

How the deposit works in your line of business.

Common questions

What people ask before taking a deposit from abroad.

The client cancelled after paying the deposit. What happens?

Your own terms decide what the deposit covers and what is owed back. Returning any of it is a payment you send yourself; Zoyn has no refund button. A wallet payment is not reversed by Zoyn after the required network confirmations; a card-funded payment can still be disputed under the provider's own rules.

Can I take the deposit and the balance on one link?

No. Every link is a single payment for one fixed amount. Send one link for the deposit now and a second link for the balance when it is due. Nothing is charged automatically.

What does it cost me?

A percentage of each payment, agreed with you in writing before you go live: crypto payments start at 0.75%, and card payments, if your business can take them, have a separate, higher price. No monthly platform fee and no setup fee. Network fees, and any extra charge for how your customer pays, are separate. Your customer pays them on top of your price and sees their total before they pay.

My client only pays by bank transfer. Is this any use to me?

Keep your bank details on the quote for that client. This is a second way to get paid, not a replacement for your bank. It suits the clients who already hold a crypto wallet, or who would rather pay by card than arrange an international wire.

Will you take my business?

We publish every business type we take and every one we refuse, and every application is reviewed before it goes live. We don't promise a timeline we can't keep.

Invoicing after the work is done instead? Read about overseas invoices and wire fees. Want to check where we work first? See the countries we cover.

Send your next overseas deposit as one link.

Apply today, and each deposit you take this way settles to a wallet only you control after the required network confirmations. Every application is reviewed.

Zoyn

Get paid in digital dollars, straight to a wallet you control.

Company

Legal

Legal & regulatory disclosures

Zoyn is software. It is not a bank, a payment processor, a payment gateway, a money transmitter or a money services business. Zoyn is never the seller in a sale (the "merchant of record"). Zoyn never holds a shop's money, and does not decide how long a payment company may hold it. When a customer pays by card or bank, the payment company handles that payment under its own terms and may hold it for a short time. The money then goes to the shop's own payment contract once the payment network has confirmed it.

Businesses can be based in 64 jurisdictions. A US state stays open when at least one checkout partner still serves buyers there. Customers can pay from 130+ countries through the checkout providers we connect to; which countries customers can pay from is set by those providers, not by Zoyn, and may change without notice. Not available in sanctioned jurisdictions: Cuba, Iran, North Korea, Sudan, Syria, and the Crimea, Donetsk, and Luhansk regions of Ukraine.

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