From payment link to money in your wallet.
Here is the whole path — what you do, what we do, and where the money goes. The short version: you stay in control at every step, and your funds never pass through Zoyn.
Three things that are true of every payment, every time.
We never hold your money
Your customer's payment goes to a wallet you control. Once the network confirms it, the money is yours: we keep the record and tell you it arrived. If you keep that wallet yourself, in your own wallet app or on your own device, we cannot move it. If your customer pays by card or bank transfer, the company that takes that payment holds it first, on their own terms.
Your prices, agreed before you go live
Card and crypto. Your price is set for your business, and you see exactly what you keep before you sign. We screen your application and propose your prices in writing: one for crypto payments and, if your business can take card, a separate, higher one for card payments. Nothing goes live until you have accepted them. No monthly charge, no setup fee, and no change without your agreement.
Card or crypto at checkout
Your customers land on a secure checkout page hosted by our checkout partner and pay by card in the countries listed on our Markets page, or crypto. A card payer never needs a crypto wallet. The card company may ask them to confirm some details or verify who they are — those checks belong to that company, not to Zoyn. Paying by card also carries the card payment company's own charge, added to what your customer pays; they see their total before they confirm, and Zoyn does not set, receive, or control that charge. A customer paying from their own crypto wallet is asked none of it and does not pay it.
Six steps from applying to getting paid.
You apply
Tell us about your business and confirm the platform agreements. It takes minutes.
We review and agree your prices
We screen your application and propose your prices in writing. Crypto payments start from 0.75%. Card payments, if your business can take them, have a separate, higher price. You see both, and nothing goes live until you have accepted them.
You connect your accounts
You connect the accounts your checkout runs on. They stay in your name. Zoyn holds the credential you paste, encrypted, so it can set your checkout up for you — and you can revoke it at any time.
Create a payment link
From your dashboard, give the link a name and an amount. Add a description or an expiry date. No code and no terminal required.
Your customer pays
Share the link anywhere — email, chat, an invoice. Your customer opens it and picks how to pay. They can pay by card in the countries listed on our Markets page — no crypto wallet needed — and the card company may ask them to confirm some details or verify who they are first. Paying from their own crypto wallet, they are asked none of it.
The money lands in your wallet
The payment settles directly to the wallet you control, with your agreed fee deducted transparently at the moment of settlement. Your dashboard tracks it from settling to confirmed.
Ready to see it with your own business?
That's the actual flow, start to finish — nothing simplified for this page. Apply in minutes, and we screen your application and agree your prices with you in writing before you go live.