Coverage
Industries we support
Below are the industries we onboard and those we do not currently support. Unsupported industries are blocked at signup. If your business is adjacent to a restricted category, reach out before applying — some cases are reviewed individually.
Guides by industry
How settlement, deposits and payouts work in each category.
- Travel & tourismTake booking deposits that settle straight to a wallet you control.
- Professional servicesGet paid on delivery, not on the acquirer's timetable.
- E-commerceSell online and settle straight to a wallet you control.
- Software & SaaSCollect prepaid terms and settle them to a wallet you control.
- Home services & tradesTake the deposit, book the job, keep the cash.
- Events & entertainmentTake venue deposits, booking fees and stand fees without the money being held.
- Healthcare & telemedicinePatient-pay care that settles the day it is delivered.
- Education & trainingEnrol students worldwide and settle every term on the day.
- Restaurants & hospitalitySettlement after the required confirmations on thin margins — the day's takings yours that night.
- Legal servicesCollect earned fees and paid invoices without a bank in the middle.
- Automotive sales & serviceHigh-ticket vehicle and repair work, settled with on-chain finality.
- Transportation & logisticsGet paid by shippers and customers across borders, without a correspondent bank in the middle.
- Clothing & apparelSell apparel and settle straight to a wallet you control.
- Home goods & furnishingsTake a made-to-order deposit without a six-month hold.
- Electronics & computer retailSell high-resale-value goods without underwriting the fraud risk.
- Groceries & food retailThin-margin retail, settled to a wallet you control.
- Personal care & beautyThe day's appointments, settled and yours on the day you earn them.
- Pet care & veterinaryEmergency treatment paid up front, settled with no reversal risk.
- Landscaping & agricultureSeasonal revenue that is not held back through the off-season.
- Digital content & mediaDeliver the file instantly. Keep the money for good.
- Marketing & advertisingCollect the retainer. Keep the settlement.
- Photography & creative servicesBook the shoot in January. Keep the deposit in January.
- Publishing & print mediaPre-order money that is genuinely yours the day it arrives.
- Financial advisoryCollect the practice's own fees. Client assets stay where they belong.
- Real estate servicesCommission income that settles with the closing.
- Non-profit & charityThe gift lands whole, and it lands now.
- Fitness & wellness coachingSell the block of sessions. Keep the money for it.
- Telecom & utilitiesAirtime is instant. Settlement becomes final on-chain after the required network confirmations.
- Gaming & interactive entertainmentThe item drops instantly. The payment reaches finality on-chain after the required confirmations.
Guides by trade
Deeper pages for specific kinds of business.
- Air cargo & freightInvoice a shipment by waybill and settle to a wallet you control.
- Private jet charterTake deposits and charter fees for a confirmed aircraft and route.
- Tour operatorsTake the deposit that holds the place, and the balance before departure.
- Vacation packagesTake the deposit at booking, and the balance nearer departure.
- Hotel booking depositsTake a deposit that holds the room, from a guest booking direct.
- Car hire depositsTake the booking deposit online and the security deposit at the counter.
- Cruise bookingsTake the cabin deposit at booking, and the balance before the sailing.
- Expedition cruisesTake the berth deposit far ahead of a remote sailing.
- Day cruises & harbour toursTake the ticket payment in full for a single sailing.
- Regional airlinesTake the full fare at booking on every short-haul route you publish.
- Vacation rentals & holiday letsTake a direct booking: one link per stay, plus the damage deposit.
- RemovalsTake the booking deposit, then the balance at the real figure on the day.
- Yacht chartersThe charter fee and the provisioning allowance as two separate links.
- IT support & helpdeskGet paid per closed ticket or block of hours — nothing charges automatically.
- SEO agenciesOne link for the audit, one for each month's invoice.
- JewellersA buyer abroad pays for one piece from their own wallet.
- Accountants & bookkeepersSend the year-end fee as one link to a client wherever they live.
- Online course creatorsOne link per student, one fixed price, no renewal.
- Tax preparersSend each return's fee as one link at the height of the season.
- Computer repair shopsA deposit for the part, then the balance when they collect.
- Chauffeur & limousine hireTake the booking deposit, then the balance or overtime as a second link.
- Freight forwardersThe shipper pays their share of the load before the goods are loaded.
- International student tuitionAn overseas student pays the tuition deposit before they arrive.
- Phone repair shopsA part ordered in, or a mail-in repair, paid as one link.
- ArchitectsOne link per stage of the design fee.
- Private investigatorsTake the retainer as one link before the work starts.
- Prestige car salesA buyer pays for one car in full from their own wallet.
- Plant & tool hireTake the hire and the security deposit before the machine goes out.
- Commercial contractorsInvoice each stage payment as its own link.
- Pest controlOne payment for each job, with nothing charged automatically.
Payment problems we hear about
If something has already gone wrong with how you get paid, start here.
- Frozen payoutIf a card provider has your payout on hold — a second way to keep getting paid.
- Too many chargebacksDropped over disputes even after you won them — and a way to keep taking payments.
- A second way to get paidKeep the card processing you already have. Add a backup that doesn't depend on your card company.
- Losing money to wire feesAn overseas client pays the exact amount, with no bank wire in the middle.
- No merchant accountNo card account from a bank? Send a payment link for a fixed amount.
- Part of every sale held backWhat a rolling reserve is — and a second way to get paid.
- Customers abroad declinedWhen a customer in another country can't get a payment through.
Supported
28Standard onboarding (22)
Onboard as-is — no additional conditions.
- Software / SaaS
- Professional services
- Digital content / media
- Education / training
- Marketing / advertising
- Non-profit / charity
- Groceries / food retail
- Clothing / apparel
- Home goods / furnishings
- Electronics / computer retail
- Travel / tourism
- Home services / trades
- Events / entertainment
- Publishing / print media
- Transportation / logistics
- Personal care / beauty
- Photography / creative services
- Automotive sales / service
- Real estate services
- Pet care / veterinary
- Landscaping / agriculture
- Telecom / utilities
Supported with conditions (6)
Onboarded with the noted limits on what settles through Zoyn.
- E-commerce (physical goods)Excludes regulated categories listed below.
- Fitness / wellness coachingExcludes adult / NSFW content.
- Restaurants / hospitalityAlcohol service must be lawful in the merchant's jurisdiction.
- Healthcare / telemedicinePayments only. Zoyn does not store or process patient health records.
- Legal servicesClient trust (IOLTA) account funds must not be settled through Zoyn.
- Financial advisoryAdvisory and brokerage services only. Currency exchange and money transmission remain unsupported.
Not supported
10- Gambling / wageringRequires regulatory licensing not currently supported.
- Money services / FXNot supported due to money services regulations.
- Cannabis / marijuanaFederally unlawful in the United States.
- Firearms / ammunitionVendor-side prohibitions apply.
- Adult / NSFW contentVendor-side prohibitions apply.
- Tobacco / vapeRequires age verification not currently supported.
- Cryptocurrency trading / DEXNot supported due to securities and money services regulations.
- Debt collectionRegulatory and reputational exposure.
- Multi-level marketingRestricted by the payment providers we build on.
- Bail bondsRestricted by the payment providers we build on.