Your Complete Guide to the Zinn Wallet

This guide covers every feature, every flow, and every question we've heard so far.

What is the Zinn Wallet?

Think of your Zinn Wallet as a prepaid balance that lives inside your Zinn Hub account. The balance is always shown in US Dollars and is denominated in cents internally for accuracy. There's nothing to install, no separate signup, and no fees to hold a balance — every Zinn Hub account already has one.

You can do four main things with your Zinn Wallet. You can top it up by paying with any of our supported payment methods. You can spend the balance on anything e.g spend it on a Zinn, Custom Offer or Project at checkout. You can send gift links to other people so they can top up their own wallets at your expense. And if you're a Zinner or an Ambassador, you can choose Zinn Wallet as your payout method and receive your earnings instantly.

The wallet is a closed-loop system, which means money you put in can only be spent on Zinn Hub. There's no withdrawal flow — it's by design, and it keeps the platform simpler, safer, and free of payment-regulation friction.

Where to find your wallet

If you're a Zinnector (a buyer), your wallet lives at zinnhub.com/my-account/wallet/. From there you can see your current balance, top up, send gifts, view your transaction history, and see any active gift links you've created.

If you're a Zinner (a seller), you have two ways to access your wallet. The buyer-side page at /my-account/wallet/ works the same as for everyone. You also have a vendor view inside your Zinner Dashboard at zinnhub.com/zinner-dashboard/?action=zhc-wallet — same data, same controls, just inside the dashboard you already know.

Ambassadors with referral activity will also see their wallet balance in their ambassador dashboard once their first wallet payout lands. They can also visit: zinnhub.com/my-account/wallet/.


How to top up your wallet

Topping up takes about thirty seconds and works with any payment method we support.

Visit your wallet page and click Top Up. Choose an amount — we have presets for $10, $25, $50, $100, $250 and $500, plus a custom field if you want a different number. The minimum top-up is $5 and the maximum per transaction is $5,000.

Click continue and you'll go to the standard checkout page where you'll see every gateway we support. That includes Stripe (debit and credit cards), Bancontact, PayPal yellow button, PayPal inline cards, Google Pay through PayPal, Bank Transfer (BACS), and over 100 cryptocurrencies through NOWPayments. Pick whichever you prefer and pay as you would for any normal order.

The moment your payment completes, your wallet credits arrive. For card payments through Stripe, that's instant. For PayPal it's instant. For crypto it lands once enough confirmations are reached on the blockchain — usually a few minutes. For Bank Transfer it lands once the admin marks the order complete after seeing the transfer arrive in our account.

You'll get a confirmation email and a notification in your Zinn Hub bell when the credit lands. You can also see the transaction in your wallet activity.

How to spend your wallet credits
When you go to checkout for any Zinn, Custom Offer or Project on Zinn Hub, your wallet appears as a payment method alongside the others. If your wallet balance covers the full order, you can pay entirely with credits. If it doesn't, the system can apply some of your wallet balance and charge the remainder to a card, PayPal or crypto wallet for the same order.

Wallet payments are instant — there's no gateway to redirect to and no payment processing wait. The order goes straight through and the seller gets the notification immediately.

Refunds for orders paid with wallet credits return to your wallet automatically. You don't have to ask, and there's no waiting for a card refund to land — the credits are back in your balance the moment the cancellation or dispute resolves in your favour.

How to send a gift
The gift system is one of our favourite features. Here's how it works.

From your wallet page, click Send a Gift (or Generate Share Link, depending on which surface you're using). You'll see a short form. Pick an amount — this can be a fixed amount that recipients receive exactly, or you can leave it open and let recipients choose. Add an optional note. If you want to send to specific people, enter their email addresses (you can add several at once, separated by commas). If you want to share the link more loosely — say, in a group chat — leave the email field blank.

Click Generate. You'll get a share link instantly. If you added emails, those people will receive a notification email from Zinn Hub explaining the gift and giving them the link.

When a recipient clicks the link and goes through checkout, the credits land in their wallet, not yours. You're paying — they're receiving. You can see in your wallet activity exactly who used the link and when, and whether they were on the original recipient list (Direct) or somewhere else who got the link forwarded to them (Forwarded).

You can set a max number of uses on a link. If you set it to one, only the first person can redeem it. If you set it to ten, ten people can each redeem it (each gets the gift amount). This is great for group rewards — drop a single link in a Slack channel and the first ten people who claim it each get the credits.

You can also revoke a gift link at any time before it's redeemed. Just go to your active gifts list and hit Revoke. If anyone tries to redeem after that, they'll see an error and you'll keep the funds.

How to receive a gift
If someone has sent you a gift, you'll either get a Zinn Hub email about it or be sent the share link directly by the giver. Either way, the flow is the same.

Click the link. You'll be taken to a confirmation page that shows the amount and who it's from. Confirm and the system creates a top-up order for that amount in your name, but billed to the giver. The credits land in your wallet as soon as their payment processes.

You don't need an existing Zinn Hub account to receive a gift. If you're not signed up yet, the link will walk you through creating an account first — completely free — and the gift lands automatically once you're in.

Payouts to your wallet (for Zinners)
If you sell on Zinn Hub, you can choose Zinn Wallet as your payout method through your Payment Wizard settings. This is now the default for new Zinners — existing Zinners with another payout method already set up keep their choice unless they switch.

To switch your payout method, go to your Zinner Dashboard, find the Payment Wizard or Settings area, and select Zinn Wallet as your primary payout method. You can also set a backup method if you want a fallback.

When the next payout run happens, instead of pushing your earnings out to Stripe, PayPal, crypto or your bank, the system credits your wallet directly. There are no fees, no network costs, and no waiting. The minimum payout threshold still applies — same as every other method — so if you've earned $30 and the threshold is $50, your earnings sit in the queue and pay out as a wallet credit on the run after you cross the threshold.

You'll see the payout in your wallet activity tagged as a vendor payout, with a link back to the underlying order.

Payouts to your wallet (for Ambassadors)
Ambassadors have the same option, set in your ambassador dashboard Settings tab. Choose Zinn Wallet as your payout preference. New ambassadors default to this; existing ambassadors with PayPal, crypto or bank already configured keep their choice unless they switch.

When a referral commission is marked paid, the credit lands in your wallet immediately. There's no batch wait, no minimum threshold delay — the moment a referral hits the paid state, your balance goes up.

The credit shows in your wallet activity with a link to the original referral.

What sources show up in my wallet activity?
Your wallet activity log shows every credit and debit, with a clear source label so you always know where money came from or went to.

Credits include topups (broken out by gateway — card, PayPal, crypto, bank), refunds from cancellations, promotional rewards, vendor payouts (if you're a Zinner on wallet payout), ambassador commissions (if you're an Ambassador on wallet preference), and admin-issued credits.

Debits include purchases (when you spend your balance on a Zinn) and admin debits (which are rare and come with a written reason).

Each entry shows the amount, the source, the date, a reference linking back to the order or referral that triggered it, and a note. You can filter by source if you're looking for something specific.

Notifications and visibility
The wallet is wired into Zinn Hub's notification system. Every credit fires a notification on the channels you've enabled — email, the in-app bell, Telegram, and Slack — based on your preferences in My Account → Notifications.

Critical events like topup failures or admin alerts always reach you regardless of preferences, because we never want a money-affecting issue to be missed.

You can mute the routine "your wallet was credited" notifications if you find them noisy, but the safety-net alerts are always on.

Refunds and cancellations
If a Zinn order is cancelled — whether by you, by the seller, or as a result of a dispute — All refunds are to your wallet regardless of how they where paid. So the refund returns to your wallet the moment the cancellation completes. No card refund wait, no manual intervention.

You'll see the refund in your wallet activity if it lands there, with a clear link back to the original order.

Security and trust
Your wallet balance is held by Zinn Digital LTD as a closed-loop platform credit, not as e-money or a regulated financial product. We hold the funds in our operating accounts in the same way Steam holds your Steam wallet or Amazon holds Amazon credit. There's no withdrawal flow because the money is intended to be spent on the platform.

Every transaction is logged in our ledger with full audit trail — credit and debit entries are append-only, never edited, and every entry references the order or referral that triggered it.

We have anti-laundering thresholds in place. Unusually large topups, suspicious patterns, or topup-then-cancel-out attempts trigger admin alerts and may result in your wallet being temporarily frozen pending review. Legitimate users won't see this — it's only triggered by genuine red flags.

If your account is banned for serious terms violations, your wallet balance is forfeited along with your access. The ledger preserves the entry for record-keeping. We've never had to do this casually — it's a last-resort outcome for fraud or abuse.

Switching your payout method back
You can switch off Zinn Wallet as your payout method at any time. Go to your Payment Wizard settings (Zinners) or your ambassador dashboard Settings tab (Ambassadors), choose your preferred external method, fill in the details, and save. The next payout run will use the new method.

Any wallet balance you already have stays in your wallet — switching your payout method doesn't change what's already in there. You can spend the existing balance on Zinn Hub whenever you like.

Common questions
If your wallet doesn't credit after a payment, give it a minute and refresh — most gateways are instant but Bank Transfer needs admin confirmation, and crypto needs blockchain confirmations. If after ten minutes it still hasn't appeared, contact us and we'll trace it.

If you sent a gift to the wrong email, revoke the link from your active gifts list as long as it hasn't been redeemed yet. If it has been redeemed, contact us — we can sometimes help if the recipient hasn't spent the credits yet.

If you got a gift but the link says expired or revoked, the giver may have cancelled it or set an expiry. Reach out to whoever sent it.

If you can't find the wallet menu item in your account, the most likely cause is your role — buyers see it under My Account, Zinners see it inside the Zinner Dashboard. Some users see both. If you genuinely can't find it, get in touch and we'll point you to the right URL.

Get help
Hit the live chat button on any Zinn Hub page, email [email protected], or browse the rest of our help articles at help.zinnhub.com. We respond fast and we don't outsource support — you're talking to the team that built the platform.