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Payment problems — Overseas clients

Get paid by overseas clients without losing it to wire fees.

You did the work and sent the invoice. Then the payment arrived smaller than you billed, with no line saying where the rest went. Here is where it usually goes, and a way to send your overseas client one link for the exact amount instead.

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 seconds
Where the money goes

A wire can lose money in three places before it reaches you.

More than one bank takes a fee on the way

A wire to another country often passes through one or more banks between yours and your client's. Each can take its own charge out of the amount before it reaches you, and neither of you sees that charge until the money lands.

The exchange rate costs you twice

If your client's bank converts the money, or yours does on arrival, the rate used is rarely the one you see quoted. The difference is a cost that never shows up as a fee on either statement.

The invoice is paid, but short

You invoiced one figure and a smaller one arrived. Now you either chase your client for the difference, which is awkward after a good job, or you quietly absorb it on every overseas client you have.

What's different here

One link for the exact amount, straight to a wallet you control.

The link asks your client for the amount on your invoice. There is no chain of banks in the middle, each taking its own charge. What comes off is our fee, the one agreed with you in writing, and it is the same whichever country your client is in. Network fees are shown at checkout.

Two limits worth knowing, in the same breath. If your own account with us is under review, automatic payouts pause until that is resolved. And if your client pays by card, the payment can be declined, or they can be asked to prove who they are, before the money is sent. That is a payment that doesn't happen, never money taken back from you afterwards.

How it works

One invoice, one link.

1

Send one link for the invoice

Set the exact amount on the invoice and put the invoice number in the description. Paste the link into the invoice email, or send it on its own.

2

Your client pays

From their own crypto wallet, or by card where available. For a card payment, buyer eligibility depends on country, payment method, provider, and compliance checks.

3

The money reaches your wallet

Settlement reaches your wallet after the required network confirmations, in the currency the link was set in. What you invoiced is what the link asks for.

Common questions

What people ask before invoicing abroad this way.

What does it cost me?

One per-transaction fee, starting at 0.75%, agreed with you in writing before you go live. No monthly platform fee and no setup fee. Network fees, and any card-processing costs charged by the checkout partners, are separate and shown at checkout.

My client only pays by bank transfer. Is this any use to me?

Keep your bank details on the invoice for that client. This is a second way to get paid, not a replacement for your bank. It suits the clients who already hold a crypto wallet, or who would rather pay by card than set up an international wire.

Can I send one link for a large invoice?

Yes. A link is a single payment for one fixed amount, set by you. How much a client can pay in one go depends on how they pay: their own wallet, network and compliance limits apply, and a card payment has its own limits set by the provider.

I bill the same client every month. Can it charge them automatically?

No. Each invoice is its own link, and there is no automatic monthly charge. You send a new link with each invoice.

Will you take my business?

We publish every business type we take and every one we refuse, and every application is checked before it goes live. We don't promise a timeline we can't keep.

Not sure we'd take your business at all? See exactly how we decide. Want to check where we work first? See the countries we cover.

Send your next overseas invoice as one link.

Apply today, and each invoice you send this way settles to a wallet only you control after the required network confirmations. Every application is reviewed.

Legal & regulatory disclosures

Zoyn is a software provider operating a non-custodial payment orchestration platform — not a payment gateway, money transmitter, payment processor, or financial institution. Zoyn does not custody settled merchant funds or set provider reserve terms, and does not act as a merchant of record or money services business. Checkout and on-ramp providers may process or hold card- or bank-funded payments under their own terms before on-chain settlement reaches the merchant's nominated contract after required confirmations.

Direct merchant account onboarding supported across 64 verified global jurisdictions. A US state stays open when at least one checkout partner still serves buyers there. Global buyer checkout (USDC settlement) supported across 130+ countries via integrated on-ramp bridges; buyer-checkout coverage is determined by the third-party on-ramp providers, not by Zoyn, and may change without notice. Not available in sanctioned jurisdictions: CU, IR, KP, and the Crimea, Donetsk, and Luhansk regions of Ukraine.

© 2026 Zoyn. All rights reserved.