Straight answers to fair questions.

You do. Your money goes to a wallet you control — we never have it, and if you keep that wallet yourself, in your own wallet app or on your own device, we hold no key that could move it. There is one point where someone else does hold it: if your customer pays by card or bank transfer, the company that takes that payment holds it first, on its own terms, before it reaches you. Once the network has confirmed the payment into your wallet, it is yours.

No. Zoyn is a software platform — not a bank, money transmitter, payment processor, or wallet provider. Payments settle directly between your customer and you on the Base blockchain, using infrastructure operated by third parties. The details are in our legal documents.

It depends on how your customer pays. A card or bank payment goes through their provider first, and that provider can add its own processing time or a hold. After that, the payment still has to be confirmed on the network before we count it as final, and how busy the network is affects how long that takes. Your dashboard shows where each payment has got to, so you are never guessing.

A confirmed on-chain transfer is treated as final after the required network confirmations. If you refund it, you send funds from your own wallet. Card- or bank-funded checkout methods can still be subject to the provider's dispute, reversal, hold, and fee rules; Zoyn does not set or waive those rules.

If they send a little less than the link asks for and the amount missing is small, we complete the payment on our own — you won't see it as a problem. A bigger shortfall shows as "Underpaid" on your dashboard, and it's your call what happens next: send them a link for just the difference, or accept what arrived as the final amount. If they send too much, we don't calculate or refund the extra for them — like a cash overpayment, sorting that out is a conversation directly between you and your customer.

It depends on how the customer pays. Buyers paying from their own crypto wallet do not use an on-ramp (the service that turns a card or bank payment into crypto), but wallet, network, compliance, and product limits can still apply. Buyers paying by card, bank transfer, or Apple Pay / Google Pay are subject to the checkout network’s onramp limits, which vary by payment method, country, and the buyer’s identity verification level. The checkout shows the methods and limits available to that buyer; Zoyn does not promise an unrestricted payment amount.

We can't get it back for you, and neither can anyone else — that is the flip side of keeping the wallet yourself. We never hold a copy of your wallet's key or recovery phrase, so there is no "reset my password" option. If you still have your recovery phrase, that is your way back in — write it down and keep it somewhere safe as soon as you set the wallet up. If access is gone for good, you can point future payments to a new wallet you control from your dashboard — but anything already sent to the wallet you lost stays there; nobody, including us, can move it for you.

Nothing — because we never had it. Your payments settle straight into your own on-chain contract and wallet, not into an account at Zoyn. If our software ever went away, your contract, your wallet, and the outside accounts you’ve connected keep working on the network without us. What would stop working is the dashboard, your links, and our reporting and support. The details are in our legal documents.

One per-transaction fee, starting at 0.75%, agreed with you in writing before you go live. No monthly platform fee, no setup fee. If your customer pays by card, the card or on-ramp company charges its own fee and a currency-conversion spread — paid by your customer at checkout, not by you, and neither set nor received by Zoyn. See Pricing for the full picture.

Yes. A customer who pays by card goes through an independent card or on-ramp company, and that company adds its own fee — and a spread on the currency conversion — to what your customer pays. It’s set and charged by that provider, shown to your customer at checkout before they confirm, and Zoyn neither sets nor receives it. A customer paying from their own crypto wallet does not pay it. Zoyn’s own fee is the single per-transaction rate you agreed — see Pricing.

You apply with your business details, confirm a short set of agreements, and connect the accounts your checkout runs on — we guide you through each step. We screen every application against our requirements, and there is no instant approval.

Your business details — legal name, website, what you sell, and roughly how much you expect to take each month — your business address, and a wallet on the Base network to receive your payouts. We don't ask for a tax ID or company registration number. If you don't already have a wallet, the application shows you how to set one up for free in a few minutes.

Yes. We screen every application, and we don't approve everyone. If we turn you down, we tell you why in the decision email. There's no waiting period — you're welcome to fix what we flagged and apply again straight away.

We publish our coverage honestly rather than claiming to be everywhere. Some countries and US states are not supported today, and we do not onboard businesses in comprehensively sanctioned countries. The live list is on the Markets page, and supported business types are on the Industries page.

Yes. Invite teammates with roles that match their job — an owner or location manager runs day-to-day operations, team leaders and agents create payment links, and a financial viewer sees reports and exports without changing anything. Everyone gets exactly the access they need and nothing more. If one of your team needs a bit more or a bit less than their role gives them, the owner can build a custom role with exactly the extra permissions they need.