Book the shoot in January. Keep the deposit in January.
Photographers and creative studios take deposits long before the shoot and deliver files that can be disputed long after. Both ends of that timeline are why card companies hold money back. Being paid to a wallet you control takes the timeline out of the equation.
The problem is the gap between paying and delivering.
Deposits taken a season ahead
A wedding booked a year out is paid for long before it happens, so the deposit sits inside the card company's dispute window for the entire wait. Reserves are the usual underwriting answer to long fulfilment.
A confirmed wallet payment is not a card-network dispute rail, so the length of your lead time stops being an underwriting variable.
Disputes after the gallery is delivered
The files are downloaded and then the payment is questioned. On card rails the money is pulled back from the studio first and argued about afterwards, with a fee attached whichever way it lands.
Payments are pushed by the client, not pulled from them, so there is no reversal to defend, and representment does not apply on wallet payments.
Second shooters, editors and retouchers
One shoot can owe several freelancers, and they are normally paid weeks later out of a single lump settlement that has to be unpicked first.
The payment settles to your wallet, final, at confirmation, so second shooters, editors and retouchers can be paid on timing you control, from your own wallet.
Destination work, cross-border payouts
Paying a local fixer, assistant, or studio abroad means a wire, a correspondent bank, an FX spread, and days of float.
Paying a local fixer, assistant or studio abroad is a USDC transfer you sign from your own wallet, with no banking intermediary in the path.
One payment, settled to a wallet you control.
Create the booking link
A fixed amount for the deposit or the balance, with your own reference. Send it alongside the contract you already use.
Client pays card or crypto
Hosted checkout takes either. Card availability depends on the buyer's location, currency, and available checkout providers. Card-funded payments are handled by the checkout provider, so you never handle card data.
Your share is fixed up front
The shares are fixed when your payments are set up: your studio's share and the platform fee. Every payment follows them exactly, and each one can be checked on a public record.
Funds settle to your wallet
Final after the required network confirmations, into a wallet you control. Zoyn never holds it.
Where we can onboard you today.
Your type of business
Businesses in this group can apply. You pick your exact type of business when you apply, and every application is reviewed.
Jurisdictions we cannot serve
We cannot onboard merchants operating from comprehensively sanctioned jurisdictions. A US state stays open when at least one checkout partner still serves buyers there. We do not hold ourselves out as licensed anywhere.
Wallet addresses you'll be paid to are checked against sanctions lists when you enter them, and re-checked every day after that.
What photography & creative services merchants ask first.
The client postpones. What happens to the deposit?
Your contract governs it, not a card company's dispute rules. If you agree to return some or all of it, you send that payment yourself from your own wallet. Because nothing was pulled from the client's account, Zoyn does not reverse it, and no card-scheme chargeback fee sits on top of the decision. For card payments, your payment provider handles card disputes with the cardholder's bank.
Can we take a deposit now and the balance on the day?
Yes — two fixed-amount links, sent when each milestone arrives. There is no card on file and no scheduled charge, which means the client authorises each payment at the moment it is due and you are not holding credentials between the two.
Who holds the money between the deposit and the shoot?
You do. Zoyn is not a payment gateway and never holds funds — settlement goes straight into a wallet you control. How you set that money aside before the shoot is your own bookkeeping decision.
Looking for a different sector? See every supported industry.
Own your deposit from day one.
Create a booking link, take the deposit, and spend it on the shoot rather than on a reserve account.