Bill the engagement, keep the settlement.
Consultancies, agencies and advisory firms (MCC 7392) deliver work that cannot be shipped, tracked or returned. That makes every completed engagement disputable on card rails. Once the transaction confirms on-chain, settlement is treated as final, and the argument has nowhere to start.
The problem is the gap between paying and travelling.
Disputes on work that has already been delivered
Intangible deliverables are the hardest category to defend at an acquirer: there is no tracking number and no signature, so the evidence pack is a narrative. Acquirers treat that as elevated risk and price it accordingly.
Payments are pushed by the client rather than pulled from them, so Zoyn never has a settled transfer to reverse, and representment does not apply to the on-chain leg.
Reserves held against long engagements
A retainer collected in advance of a multi-month engagement sits inside the acquirer's dispute window for the whole delivery period. A rolling reserve is the standard underwriting answer to that exposure.
On-chain settlement is treated as final only after the required network confirmations, and that confirmed leg is not a card-network dispute rail, so the exposure an acquirer reserves against does not exist here.
Paying associates and referral partners by hand
One engagement often owes a lead consultant, a specialist associate and an introducing partner. That division usually happens weeks later, out of a single lump settlement, in a spreadsheet.
Settlement reaches your wallet after the required network confirmations, so associates and partners can be paid on timing you control, from your own wallet, out of money that has already landed.
Cross-border clients and correspondent-bank drag
Billing a client in another market means a wire, an intermediary bank, an FX spread and days of float you cannot charge for. Card acceptance across borders adds issuer declines on top.
Settlement is in USDC on Base L2 to a wallet the recipient controls, with no banking intermediary in the path and no float to wait on.
One payment, settled to a wallet you control.
Create the payment link
Set a fixed amount and a matter or project reference. The link is yours to send by email, attach to your own fee note, or embed in a proposal.
Client 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: your firm'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 you control. Zoyn is not in the path and never holds the funds.
Where we can onboard you today.
Category
MCC 7392 and 8999 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 professional services merchants ask first.
Can we take a deposit up front and the balance on delivery?
Yes — as two payment links. Each link is a fixed amount you create and send when you want it paid. Zoyn does not run recurring billing and never charges a client without them completing a checkout, so a staged engagement is simply a sequence of links you control.
A client is unhappy and wants money back. How does that work?
You send the refund yourself, from your own wallet, on the terms in your engagement letter. Because nothing was pulled from the client's account, Zoyn does not reverse it, and there is no card-scheme chargeback fee on the on-chain leg — your contract, not an acquirer's dispute rules, governs the outcome.
Do you hold our fees at any point?
No. Zoyn is not a payment processor and never takes custody. Funds move from your client into a split contract that pays your wallet directly. Zoyn never holds settled funds.
Looking for a different sector? See every supported industry.
Stop underwriting your own receivables.
Create a payment link, take the deposit, and use it once it clears.