Your return rate should not cost you a rolling reserve.
Apparel and accessory retailers (MCC 5651 and 5691) live with returns as a normal part of the category, and card acquirers price that as dispute exposure. Once settlement is treated as final after the required network confirmations, returns go back to being an operational question — governed by your own returns policy, not by an acquirer's dispute window.
The problem is the gap between paying and travelling.
A reserve priced off returns you already expected
Sizing-driven returns are structural in apparel, and acquirers commonly treat an elevated refund rate as elevated dispute risk — answered with a rolling reserve and delayed funding.
A settled on-chain transfer is not a card-network dispute rail, so the exposure an acquirer reserves against does not exist here.
"Item not as described" after the item shipped
The garment is worn, then disputed. On card rails the money is pulled back from you first and the evidence is filed afterwards, with a fee whichever way the case lands.
The buyer pushes the payment; nothing can be pulled back from your wallet. Your returns policy decides the refund, and you send it yourself.
Drops that spike your volume overnight
A collection launch is a sudden multiple of your normal daily volume, which is exactly the pattern that triggers a funding hold or a manual review on card rails.
Each payment settles on its own into a smart-contract vault on Base. There is no daily volume profile being watched for deviation.
Splitting revenue with the label, maker or stockist
Wholesale, consignment and collaboration deals all mean one sale owes more than one party — usually reconciled weeks later from a lump settlement.
Each sale settles to your wallet, final, at confirmation, so the label, maker or stockist can be paid their agreed share on timing you control, from your own wallet.
One payment, settled to a wallet you control.
Create the payment link
Set the amount and the order reference — a wholesale order, a made-to-order piece, a collaboration drop.
The customer 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 upstream by integrated global on-ramp bridges, so you never touch card data.
The split contract routes the sale
Proportions are fixed when the contract is deployed: your share and the platform fee. Every sale follows them exactly, verifiable on a public block explorer.
USDC lands in wallets you control
Settlement is direct and final. Zoyn is not in the path and never holds the funds.
Where we can onboard you today.
Category
MCC 5651 and 5691 are supported categories in this group. Your declared category is checked at signup.
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 clothing & apparel merchants ask first.
How do refunds work if there is no card-network chargeback?
You send the refund from your own wallet when your returns policy says it is due — the same way you would send any other payment. Because nothing was pulled from the customer's account, Zoyn does not reverse it, and no card-scheme dispute fee applies on top of the refund itself.
Does a high return rate affect whether we can onboard?
It is not an underwriting variable here. Reserves on this category exist because refunds correlate with disputes, and disputes are what an acquirer is exposed to. On-chain settlement has no dispute mechanism, so your refund rate stops being a risk input and goes back to being a merchandising metric.
Do you hold funds between the sale and our payout?
No. There is no payout step to hold anything in. The buyer's payment reaches a split contract that pays your wallet directly, and Zoyn — a non-custodial payment orchestration platform — never takes custody of settled funds.
Looking for a different sector? See every supported industry.
Keep the margin your reserve was holding.
Create a link for your next order or drop and use it once it clears.