For Employers


Reduce Stress

38% of Employees say financial stress is a distraction for them at work.

Increase productivity

By allowing your employees to access part of their paycheck when they need, they gain control over their finances between paydays. This can help them avoid costly alternatives like overdraft fees and predatory loan products. Reducing financial stress minimizes distraction, reduces absenteeism and improves Employee Wellness.

Retain and recruit

25% of employees use our services. Employees are now asking if employers have services like Pay Advance as part of onboarding. Put ZayZoon in your job postings.


Learn More

Explore Pay Advance and additional PayFocus Pro at

For Employees

Getting started is easy

Do you have a PayFocus Pro account? If so, login here and look for the Pay Advance link on the left hand side of the screen to activate your ZayZoon account. You will need a government-issued photo ID so we can make sure it's you.

If you are unable to access PayFocus Pro or the Pay Advance link, let your employer know they must contact their BenefitMall representative to get you a PayFocus Pro account and access to Pay Advance.

Early Access to Wages

Access $200 at a time for a $5 flat fee to avoid overdraft fees, late bill payments or to cover a cash flow shortfall between paydays. Get paid when you need.

Secure and Easy to use

No credit check, under one minute to sign up, and all made possible by a trusted integration with BenefitMall.

Incredible Support

We maintain a live-chat response time of five minutes.

More Questions?

  • So, Isn't this just a payday loan?

    No. ZayZoon does not charge interest and does not place debt on you. ZayZoon simply provides employees access to their earned wages early.

  • How much does it cost?

    ZayZoon charges a flat fee of $5 to access up to $200 of your earned wages at a time.

  • How long does it take to receive money?

    When you set up your account, there are a few different ways for us to send you money. If you have a debit card, pay card or your financial institution accepts E-checks, funds can be transferred in near real-time 24/7/365. If you choose the bank account direct deposit option, it can take 1-2 days.

  • When do I need to pay ZayZoon back?

    Funds are automatically deducted from your paycheck on your next payday.

  • How is my available limit calculated?

    Your available limit is based on your already earned, but unpaid wages.

  • How long does it take to sign-up and access funds.

    If you send us a proper image of a government issued ID, you can set up your account in minutes.

  • Is my information safe?

    We make security a priority at ZayZoon. Our website uses 256-bit encryption to protect the privacy and security of your information. The same security your online banking offers you.

  • What if I took money by accident?

    Mistakes happen! Maybe you got excited with how simple the process to access your money was and accidentally clicked submit? No worries. Contact our support staff and we can work on reversing the advance.