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Compliance

Prohibited industries

What we can and cannot onboard.

Zoyn cannot onboard every kind of business. During onboarding you select your industry from a category list, and applications from unsupported categories cannot be submitted.

How it works

  • The industry you select at onboarding is part of your shop record and is reviewed at approval.
  • If your industry is not currently supported, onboarding will tell you at the business-details step — before you invest time in the rest of the application.
  • Operating under a different industry than you actually do business in violates the Acceptable Use Policy and is grounds for suspension.

If your business changes

If your business model shifts into a different category after approval, contact support before the change goes live so the review team can confirm your account remains in good standing.

Where to check

The current acceptance posture is maintained in the Terms of Service (linked from every legal page), which is the authoritative document — the Acceptable Use Policy used to carry this and is now a section inside it. When this article and the Terms differ, the Terms win.

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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.

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