Your payout stopped, and nobody will tell you when it starts again.
That's usually what a hold or a review feels like from the inside — a case number, and no date attached. This page explains why it happens, honestly, and shows a second way to get paid so your next sale doesn't have to wait on the same review.
Before you read on: we publish every business type we take and every one we refuse — 28 we take, 10 we refuse.
Check yours in ten secondsA hold is usually about risk the provider carries, not something you did.
It isn't always about you
When a customer disputes a card charge, the company handling that leg has to pay the card network first and try to recover the money from you afterward. A hold or a review is that company protecting itself against a risk it carries — not a verdict on your business, and not something a clean record automatically avoids.
Selling now, delivering later, costs you the same way
If what you sell is delivered weeks or months after it's paid for — a deposit, a booking, a pre-order — the dispute window stays open the whole time you're holding the customer's money. Card providers commonly respond to exactly that gap with a hold, regardless of your dispute history.
A review has no promised end date
You'll usually be told a case number and that someone is looking at it. Nobody on this page can tell you when that finishes, because it isn't our review — it belongs entirely to whichever company is holding the money.
Your next sale doesn't have to sit inside anyone's review.
A payment that settles by crypto wallet lands directly in a wallet only you control, after the network confirms it. Zoyn does not keep back a share of your sales as security, though automatic payouts pause while your own account with us is under review.
Two more honest limits, in the same breath. First: a sale can still be turned away or delayed before it reaches you, if the checks on that payment don't pass — that's a sale you don't get, never money taken back after the fact. Second: the card option on this checkout is a separate switch from the wallet leg — like any card acceptance, it can be paused for the whole platform if the company handling that leg sees a pattern of abuse. That's a different risk from a reserve, and it has nothing to do with anything already settled to your wallet.
This does not release money your existing provider is already holding. That decision, and its timing, stays entirely theirs.
Three steps to your next sale.
Send a payment link for your next sale
Set the amount. Share the link anywhere — email, chat, an invoice.
Your customer pays
By crypto wallet, or by card through the checkout partner. Card payers are asked to confirm who they are — the same checks any online card payment requires by law — before the payment goes through.
The money settles to your wallet
Once the network confirms the payment, it lands directly in a wallet you control, and Zoyn does not keep back a share of your sales as security. If your own account with us is under review, automatic payouts pause until it is resolved.
What people ask when a payout has just stopped.
Can you release the money my current provider is holding?
No. That review, and when it ends, belongs entirely to your existing card provider — we have no way to speak to it or speed it up. What this page is for is your next sale: a second way to get paid so it doesn't wait on the same review.
Will a payment here ever get held back the same way?
A payment that settles by crypto wallet lands directly in your own wallet after the network confirms it, and Zoyn does not keep back a share of your sales as security. Three honest limits: if your own account with us is under review, automatic payouts pause until it is resolved. A sale can still be turned away or delayed before it's delivered to you, if the checks on that payment don't pass — that's a lost sale, not money clawed back later. And the card option on this checkout is a separate switch: like any card acceptance, it can be paused for the whole platform if the company handling that leg sees a pattern of abuse — a different risk from a reserve, and it doesn't touch anything already settled to your wallet.
Do I need to close my existing account to use this?
No. This sits alongside whatever you already use — keep it running and set this up as a second way to get paid.
How fast can I start taking payments here?
That depends on our review of your application. Every application is checked before it goes live, and we don't promise a timeline we can't keep.
Not sure we'd take your business at all? See what we accept and what we don't. Read further about how a booking or deposit settles on the travel & tourism guide.
Stop waiting on one company's review.
Apply today, and your next sale can settle to a wallet only you control — independent of whatever your existing provider decides. Every application is reviewed.