Sell high-resale goods without wearing the chargeback risk.
Electronics and computer retailers (MCC 5732 and 5045) sell exactly the goods card fraud targets: high value, easy to resell, shipped quickly. Acquirers answer that with reserves, ticket limits and holds. A pushed payment that is treated as final only after the required network confirmations removes the reversal that made the fraud worth attempting.
The problem is the gap between paying and travelling.
Card fraud aimed straight at your inventory
Resellable hardware is a standing target for stolen-card orders, and the loss lands on the retailer once the issuer reverses the payment. Reserves and ticket caps on this category are the acquirer's response to that pattern.
Payments are pushed by the buyer and final after the required network confirmations. Zoyn does not reverse them, so a shipped order cannot be un-paid.
Funding holds on your biggest days
A launch or a clearance run spikes volume far above the profile you were underwritten for — the classic trigger for a review or a temporary funding hold on card rails.
Each transaction settles independently into a smart-contract vault on Base, with no daily aggregate being monitored for deviation.
Distributor and reseller margin split after the fact
Drop-ship and reseller arrangements mean one sale owes a distributor and a storefront. Reconciling that from a single lump settlement is manual and always late.
Each sale settles to your wallet, final, at confirmation, so distributor and reseller invoices can be paid on timing you control, from your own wallet.
Paying overseas suppliers on tight component windows
Component allocation moves fast; a wire that takes days plus an FX spread is the difference between securing stock and missing it.
Paying a supplier is a USDC transfer you sign from your own wallet — no correspondent bank in the path and no float between order and payment.
One payment, settled to a wallet you control.
Create the payment link
Set the amount and the order reference — a build, a bulk hardware order, a trade account purchase.
The buyer 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 treated as final only after the required network confirmations. Zoyn is not in the path and never holds the funds.
Where we can onboard you today.
Category
MCC 5732 and 5045 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 electronics & computer retail merchants ask first.
Does this remove fraud risk entirely?
It removes the reversal, which is what makes card fraud profitable against this category — a settled on-chain transfer cannot be clawed back. Your own order-verification and shipping controls still matter for the goods themselves; what changes is that a delivered order stays paid.
We ship internationally. Does the buyer's country change anything?
The settlement mechanics are the same wherever the buyer is, because the payment arrives as USDC on Base rather than through a card scheme's cross-border path. We cannot onboard merchants operating from comprehensively sanctioned jurisdictions, and beneficiary wallet addresses are screened by real-time on-chain compliance oracles on entry and daily thereafter.
Are you holding the funds while the order is packed?
No. Zoyn is not a payment processor and never takes custody. The buyer's payment reaches a split contract that pays your wallet directly, and Zoyn never holds settled funds.
Looking for a different sector? See every supported industry.
Ship the hardware. Keep the payment.
Create a link for your next order and settle it with no reversal risk on the on-chain leg.