Deliver the care, keep the payment.
Clinics and telemedicine practices (MCC 8011) collect for care that cannot be returned, often prepaid as a course of treatment. Acquirers price that as dispute risk and hold funds against it, while practitioner splits get reconciled by hand. Settlement finality removes both problems.
The problem is the gap between paying and travelling.
Disputes on care already provided
A patient can dispute a consultation that took place, and the notes that would settle it are exactly the records a clinic cannot hand to an acquirer freely. Health categories are underwritten with that asymmetry in mind.
Zoyn does not reverse a confirmed transfer, so no clinical record ever has to be produced to defend a payment.
Prepaid care sitting in the dispute window
A course of treatment paid for up front is exposed for the whole delivery period, and a rolling reserve against that exposure is a common acquirer condition in the category.
An on-chain settlement is not a card-network dispute rail, so a long course of care is not an underwriting problem.
Practitioner splits reconciled monthly
A clinic that hosts visiting specialists or associate practitioners owes a share of every consultation fee, usually worked out from a report at month end and paid out of the clinic's own balance.
Consultation fees settle to the practice's wallet, final, as they confirm — so practitioners can be paid on your schedule, from money that has already landed, rather than in month-end arrears.
Paying clinicians across borders
Telemedicine rosters span markets, and paying a clinician abroad means a wire, an intermediary bank, an FX spread and days of float.
Paying a clinician abroad is a USDC transfer you sign from your own wallet — no correspondent bank in the path and no days of float.
One payment, settled to a wallet you control.
Create the care link
Set the fixed amount and your own patient or episode reference. No clinical detail belongs in it — send it from your practice management flow.
Patient 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 — you never touch card data.
Split contract routes the fee
Shares are fixed in bps when the contract is deployed: the practice's share and the platform fee. Every payment follows them exactly, verifiable on a public block explorer.
USDC lands in your vault
Smart-contract vault settlement on Base L2, final after the required network confirmations, into a wallet the practice controls. Zoyn is not in the path.
Where we can onboard you today.
Category
MCC 8011 and 8062 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 healthcare & telemedicine merchants ask first.
Is this for insurance claims or for patient-pay?
Patient-pay. These are fixed-amount links a patient completes themselves, so they suit self-funded consultations, prepaid courses of care, and the patient-responsibility portion you would otherwise collect by card. Claim adjudication with a payer sits entirely outside what Zoyn does.
How do we refund a patient who did not complete a course?
You send the refund from your own wallet, in the amount your policy specifies. Nothing was pulled from the patient, so Zoyn does not reverse it, and there is no card-scheme chargeback fee on the on-chain leg, and no clinical justification has to be filed with a bank.
Does any patient information reach Zoyn?
Only what you put in the payment reference, which should be your own internal identifier rather than clinical detail. Zoyn is not a payment processor and never takes custody of funds either — settlement goes from the patient into a split contract that pays your wallet directly.
Looking for a different sector? See every supported industry.
Collect for the care on the day you give it.
Create a payment link, take the fee, and settle it to a wallet you control.