Take a made-to-order deposit without a six-month hold.
Furniture and furnishings retailers (MCC 5712 and 5719) take money before a piece is built and before it is delivered. That gap is the whole reason acquirers put reserves on the category. Settlement that is treated as final only after the required network confirmations removes the dispute window the reserve exists to cover.
The problem is the gap between paying and travelling.
A deposit taken months before delivery
A bespoke sofa ordered in spring ships in autumn, and the deposit sits inside the acquirer's dispute window the whole time. Long lead times are the standard justification for a reserve on this category.
On-chain settlement becomes final once the transaction confirms, and the confirmed leg is not a card-network dispute rail.
Damage-in-transit disputes landing on you
A large item arrives marked and the buyer disputes the card payment rather than claiming on delivery. The funds leave you first and the case is argued afterwards.
Nothing can be pulled back from a settled transfer. The claim is handled under your delivery terms, and any refund is one you send yourself.
Maker, showroom and installer to pay from one sale
A single order often owes a workshop, the showroom that sold it, and the crew that delivered and assembled it — reconciled by hand, later, from a lump settlement.
The order settles to your wallet, final, at confirmation, so workshop, showroom and crew can be paid on timing you control, from your own wallet, out of money that has already landed.
Deposit and balance handled as two different problems
Taking a deposit now and a balance on delivery usually means two systems, two reconciliations, and a manual check that the second one ever arrived.
Each is a fixed-amount payment link with its own reference, settling to the same wallet you control.
One payment, settled to a wallet you control.
Create the deposit link
Set the amount and the order reference. Send a second link for the balance when the piece is ready — each one carries its own fixed amount.
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 clear upstream through integrated global on-ramp bridges, so card data never reaches you.
The split contract routes the order
Proportions are fixed when the contract is deployed: your share and the platform fee. Every order follows them exactly, verifiable on a public block explorer.
USDC lands in wallets you control
Settlement into a smart-contract vault on Base, final after the required network confirmations. Zoyn is not in the flow of funds and never holds them.
Where we can onboard you today.
Category
MCC 5712 and 5719 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 home goods & furnishings merchants ask first.
Our lead times are long. Is that a problem?
It is the case this suits best. Long fulfilment is precisely why acquirers reserve against furnishings — the money is at risk for as long as the dispute window is open. The confirmed on-chain leg is not a card-network dispute rail, so lead time stops being an underwriting variable and goes back to being a production schedule.
Can we take a deposit and then the balance on delivery?
Yes — as two fixed-amount links against the same order reference. Nothing recurring is set up and nothing is stored to charge later: the customer pushes each payment when you ask for it, and each settles on its own.
Who holds the money between the deposit and delivery?
You do. USDC settles straight to a wallet you control. Zoyn is not a payment processor and never takes custody, so there is no intermediary balance the deposit sits in while the piece is built.
Looking for a different sector? See every supported industry.
Take the deposit. Keep the deposit.
Create a link for your next made-to-order piece and settle it the day it is paid.