SYB International is the leading blockchain developer behind the revolutionary payment software Zi App and the Support Your Buds system. We work directly with merchants to supply or build cutting edge blockchain solutions for any business, offering rates and savings no traditional payment processor can match.
Custom Blockchain and Smart Contract Payment Development
Not all industries are benefitting from the digital revolution in payment technology. Many customers are unaware just how much of every purchase goes not to retailers, but instead to banks, credit cards, merchant accounts and payment gateway providers. Every innovation adds new costs for merchants, with payment technologies preferring to increase transaction margins rather than market share.
SYB International is the only payment solutions company directly addressing these inefficiencies with custom blockchain payment and smart contract systems. Our custom solutions drive efficiencies and provide low cost transactions in any industry. With smart contract technology.
SYB revolutionizes an inefficient industry and empowers merchants to take control of their own payments.






Rising Fees Threaten Producers and Retailers
Digital payments have never been so flexible or convenient, but fees have never been so high. As consumers abandon cash, payment service fees are piling up and squeezing margins in every industry.
- Banks and Credit Cards: Outdated technology leads to expensive charges like deposit fees, NSF fees, wire transfer fees, monthly service charges, transaction fees and chargeback fees.
- Merchant Account Providers: These service providers charge additional fees to process payments between banks and credit cards, including percentage fees, transaction fees, monthly service fees, payment gateway rentals, rolling reserves and minimum reserves.
Financial companies often deliberately confuse clients with complex fee structures and opaque service agreements. It’s time for a technology that makes payments simpler – and cheaper.

How SYB International Can Help
SYB International knows blockchain technology and smart contracts are the future of digital finance and payment processing. This technology offers inherent security and fraud protection, in addition to these three key benefits:
- 1. Low Transactions Fees: Blockchain tokens can exchange hands without the risk of duplication or third-party verification, limiting the reliance on large and expensive financial services companies to guarantee transactions and protect against fraud
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- 2. Built-In Verification and Records: Along with financial transactions, blockchain ledgers can be programmed to record a variety of data, such as customer information, payment history, proof-of-payment, tax calculations and delivery verification.
- 3. Complex Automatic Transactions: Smart contracts can be programmed to easily perform complex financial services efficiently, on a per-transaction basis.

Since SYB develops both the payment platform and smart contract technology, our solutions are perfectly suited for companies that both receive and distribute payments, including:
- • Payroll, commissions and dividends.
- • Recurring expenses, like rent or utilities.
- • Sales tax and payroll tax remittances.


Smart Contract Capabilities in Financial Services
SYB International builds custom solutions for any industry. Using our expertise in blockchain technology and payment processing, SYB offers smart contract coding and platform development services to:
• Limit Disputes: Smart contracts can be programmed to automatically carry out financial agreements, like revenue sharing between multiple parties on a per-transaction basis.
• Split Payments: Payment can be split in real time, for example, automatically sending commissions or revenue sharing per transaction.
• Automatic Taxation: Tax information can be automatically calculated and either remitted or sent to a reserve account on a per-transaction basis.
• Account Debits/Credits: Automatically debit or credit an account based on previously agreed criteria in the smart contracts, including adjusting recurring payments.
• Balances/Account Info: Smart contracts can access account information, notify customers, and halt payments, avoiding NSF charges, reversal fees and default charges

Case Study: High Risk Industries
Financial companies consider any business that has an increased chance of chargebacks to be High Risk. Merchant account service providers punish High Risk industries with exorbitant fees and restrictions.
These industries include:
• Recurring Payments/Annuities, e.g. Gym memberships, online subscriptions, rental housing.
• Direct-to-Consumer Marketing, e.g. Multi-level marketing, e-commerce, online auctions.
• Large Transaction Volumes, e.g. Airlines, timeshares, business lending, payroll loans and peer-to-peer lending.
• Stigmatized Industries, e.g. Native gaming, alcohol and tobacco, nutraceuticals, natural medicines & medical cannabis, and adult entertainment and online dating.

SYB International developed Zi App, in partnership with Alternate Health Corp., to address these unfair fees and empower High Risk merchants with a flexible, turnkey payment processing solution.
