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Your money goes to your wallet. Never ours.

Send a link. Get paid.
Straight to your wallet.

For businesses that invoice. Send your customer a payment link; they pay by card in supported countries, or crypto. The money lands in a wallet you control — not in an account we hold for you. Crypto payments from 0.75%, and a separate, higher price for card, both agreed with you in writing before you go live. No crypto knowledge needed.

64
markets where your business can be based
$0
of your money we ever hold
  • We never hold your money
  • Your prices, agreed in writing
  • Customers pay by card in supported countries, or crypto
  • You're paid in USDC by default
Why Zoyn

Built for merchants who want control

No intermediary wallets. No opaque fees. No lock-in. A straight path between your store and your wallet.

Your money never sits with us

Payments land in a wallet you control — not in an account we hold for you. Once the network confirms a payment, that money is yours. If you keep that wallet yourself, in your own wallet app or on your own device, we hold no key that could move it. If your customer pays by card or bank transfer, the company that takes that payment holds it first, on their own terms.

Guided setup after approval

After you accept your prices, connect your checkout account. Your payment web address then goes live.

Transparent prices

Your prices, agreed before you go live: one for crypto and, if you take card, a separate, higher one for card. No hidden Zoyn spreads or markups, no monthly minimums. (Card payers also pay the card payment company's own charge on top of your price, and see their total before they pay — Zoyn doesn't set or receive it.)

  • Your wallet, never ours
  • No card-network chargebacks once the payment network confirms it
  • No Zoyn lock-in
  • 64 supported markets
  • Prices agreed in writing, no surprises

For card payments, your payment provider handles card disputes with the cardholder's bank.

Your customers pay on a secure hosted checkout

VISA
Pay
Pay
SEPA
Bank Transfer
Crypto Wallet

VISA and Mastercard are registered trademarks of Visa Inc. and Mastercard International. Apple Pay is a trademark of Apple Inc. Google Pay is a trademark of Google LLC. SEPA is a trademark of the European Payments Council. All marks are property of their respective owners and are displayed solely to indicate accepted payment methods on the hosted checkout. Payment method availability varies by buyer country.

Ready to get paid in digital dollars?

Applications are screened against our requirements. You keep full control from day one.

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.

© 2026 Zoyn. All rights reserved.