Get paid for the piece that is worth more than a card limit likes.
Fine jewellery, engagement rings and vintage pieces, often sold to a buyer abroad after a video viewing: send one payment link per piece, and the buyer pays the full amount from their own wallet. It settles in stablecoins to a wallet you control, after the required network confirmations.
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 secondsA large one-off payment, a stranger, and a border in between.
One large payment from a buyer nobody has met is exactly what a fraud check is built to stop
An engagement ring or a one-off piece at several thousand, bought by a first-time customer, often from another country: that single purchase looks, to an automated check, like the pattern it was trained to decline. The sale is agreed and the payment still does not go through.
The buyer pays from their own wallet, for the exact amount on the link, and the payment reaches your wallet after the required network confirmations. The buyer sends it themselves; there is no card limit on a wallet payment, though wallet, network and compliance limits still apply.
The buyer is abroad, and the sale happened on a video call
You showed the piece on a video viewing, sent photographs and the paperwork, and agreed a price with someone in another country. Now the money has to cross a border for a single item.
A buyer who holds stablecoins pays from wherever they are, in the currency the link was set in. A card option may also appear at checkout, but for a piece at this price treat it as secondary: buyer eligibility depends on country, payment method, provider, and compliance checks, and a large card purchase can be limited, declined or asked for ID before it goes through.
“It isn't what was described” arrives after the piece has been delivered
Disputes in this trade are about authenticity, condition and whether the piece matched the photographs. They arrive after the item has left your hands.
Your own sale terms and paperwork, together with the consumer law that applies to you, decide what is owed. Zoyn has no refund button: any refund is a payment you send from your own wallet. A wallet payment is not pulled back by Zoyn after the required network confirmations; for card payments, your payment provider handles card disputes with the cardholder's bank.
One link per piece, whatever the piece.
Fine jewellery and engagement rings
One link per piece, at the agreed price, with the piece's reference in the description. The buyer pays it once, from their own wallet.
Vintage and antique jewellery
A one-off piece sold to a collector abroad after photographs and a video viewing. Your own description and paperwork go with the piece; the link carries the price and the reference.
Fashion jewellery
Lower prices, more orders. Each order is its own link, sent to the person who is paying for it. One link takes one payment, so a link is never shared across buyers.
If you sell jewellery or watches at higher prices, money-laundering and sanctions rules where you trade, including the rules some countries have for dealers in jewellery and precious stones, may require you to run a compliance programme, check who your buyer is and keep records. Those duties are yours to meet however you are paid: being paid to your own wallet does not change them, and Zoyn does not find out who your buyers are or do these checks for you.
What a jeweller asks first.
Can I take a deposit to reserve a piece, and the rest before I ship it?
Yes, as two links, each a fixed amount. Every link is a single payment; there is no instalment plan and nothing charges automatically.
My buyer's bank keeps declining the payment. Will this help?
If the buyer holds stablecoins, they can pay from their own wallet, and no card limit applies to that payment. If they want to pay by card, the checkout may offer it, but a large card purchase can still be limited, declined or asked for ID.
Is the money held anywhere before it reaches me?
A wallet payment goes to a wallet only you control after the required network confirmations. Two honest limits: a payment can be turned away before it reaches you if the checks on it do not pass, and while your Zoyn account is under review, Zoyn pauses automatic payouts to your wallet until the review is finished.
Do you check that a piece is genuine?
No. You take the payment for the amount on the link. What the piece is, and the paperwork that proves it, are yours to provide to your buyer.
Do you accept my business?
We publish every business type we take and every one we refuse, and every application is checked before it goes live. We don't promise a timeline we can't keep.
Not sure we'd take your business at all? See what we accept and what we don't. Keeping your shop's card machine and want a second way to be paid? Read about adding a second way to get paid.
Send the link for your next piece on Zoyn.
Apply today, and each piece you sell can be paid to a wallet only you control after the required network confirmations. Every application is reviewed.