Bill the engagement, keep the settlement.
Consultancies, agencies and advisory firms deliver work that cannot be shipped, tracked or returned. That makes every completed engagement disputable on card rails. Once the payment confirms on the network, it is treated as final, and the argument has nowhere to start.
The problem is the gap between paying and delivering.
Disputes on work that has already been delivered
Intangible deliverables are the hardest category to defend at a card company: there is no tracking number and no signature, so the evidence pack is a narrative. Card companies treat that as elevated risk and price it accordingly.
Payments are pushed by the client rather than pulled from them, so Zoyn never has a settled transfer to reverse, and representment does not apply to wallet payments.
Reserves held against long engagements
A retainer collected in advance of a multi-month engagement sits inside the card company's dispute window for the whole delivery period. A rolling reserve is the standard underwriting answer to that exposure.
On-chain settlement is treated as final only after the required network confirmations, and that confirmed leg is not a card-network dispute rail, so the exposure a card company reserves against does not exist here.
Paying associates and referral partners by hand
One engagement often owes a lead consultant, a specialist associate and an introducing partner. That division usually happens weeks later, out of a single lump settlement, in a spreadsheet.
Settlement reaches your wallet after the required network confirmations, so associates and partners can be paid on timing you control, from your own wallet, out of money that has already landed.
Cross-border clients and correspondent-bank drag
Billing a client in another market means a wire, an intermediary bank, an FX spread and days of float you cannot charge for. Card acceptance across borders adds issuer declines on top.
Settlement is in USDC to a wallet you control, with no banking intermediary in the path and no float to wait on.
One payment, settled to a wallet you control.
Create the payment link
Set a fixed amount and a matter or project reference. The link is yours to send by email, attach to your own fee note, or embed in a proposal.
Client pays their way
Card or crypto on a hosted checkout. Card availability depends on the buyer's location, currency, and available checkout providers. Card-funded payments are handled by the checkout provider — you never touch card data.
Your share is fixed up front
The shares are fixed when your payments are set up: your firm's share and the platform fee. Every payment follows them exactly, and each one can be checked on a public record.
USDC lands in your wallet
Final after the required network confirmations, into a wallet you control. Zoyn is not in the path and never holds the funds.
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.
Pages for specific trades.
What professional services merchants ask first.
Can we take a deposit up front and the balance on delivery?
Yes — as two payment links. Each link is a fixed amount you create and send when you want it paid. Zoyn does not run recurring billing and never charges a client without them completing a checkout, so a staged engagement is simply a sequence of links you control.
A client is unhappy and wants money back. How does that work?
You send the refund yourself, from your own wallet, on the terms in your engagement letter. Because nothing was pulled from the client's account, Zoyn does not reverse it, and there is no card-scheme chargeback fee on wallet payments — your contract, not a card company's dispute rules, governs the outcome. For card payments, your payment provider handles card disputes with the cardholder's bank.
Do you hold our fees at any point?
No. Zoyn is not a payment processor and never takes custody. Payments pass automatically from your client to a wallet you control. Zoyn never holds settled funds.
Looking for a different sector? See every supported industry.
Stop underwriting your own receivables.
Create a payment link, take the deposit, and use it once it clears.