ZayZoon Earned Wage Access for CyberPay

No. We do not charge interest. ZayZoon is committed to helping employees access their wages, when they need it. We want to help our customers break free from predatory, high interest lending products like payday loans, overdraft fees and high interest credit cards.

Your best bet is to check with your HR representative, direct manager, or in your employee portal under the ‘Employee Benefits’ section. If you are still having a difficult time determining if you are eligible for ZayZoon, please reach out to our Customer Success team and they may be able to assist you further.

Sign up is fast and easy! Click "Create My Account", enter your information and follow the on screen instructions. You may want to have your ID and your most recent paystub handy. If you get stuck, please reach out to our Customer Success Team on web chat.

With the ZayZoon referral program you can access your earned but unpaid wages for free!

Simply send your referral link to friends or co-workers. Once they sign up they can save the $5 fee using your referral code.

Once they’ve made their first advance using your code, you will also get a credit on your account for a fee free payout. You can save up to $50 in fees by referring co-workers to access their pay on demand!

For more information and to access your referral code head here: ZayZoon Referrals

If you are having difficulty signing up, or receiving a 401 error a couple things could be going on. A 401 error typically means that you are not entering the information (into the sign up form) that matches what we have received from your payroll provider. Reach out to our customer support team, they will be able to guide you. Please make sure you have your most recent paystub handy.

If you are having other issues while signing up, please contact our Customer Success team. They will be happy to guide you further.

ZayZoon encourages employee financial health by recommending that you wait until you’ve reached the $200 daily maximum before requesting a payout. This way you pay less fees and get the most out of each dollar. This is also why you must have a minimum of $20 available to request a payout. Our flat fee of $5.00 per transaction is a simple way to track how much you’re spending on fees.

For a detailed review of how much you can access today, please check your ZayZoon dashboard under ‘Wages Available’. There you will see the amount you are able to access today.

If you would like to know more best practices, reach out to our Customer Success Team and ask for their advisory opinion on any topic! We are happy to help!

You can let your employer know that ZayZoon is a free-to-offer benefit. It costs them nothing to offer and can be integrated with their current payroll system.

ZayZoon is a free financial wellness tool that benefits the entire company, not just employees

Send them here ZayZoon FAQ to view the benefits ZayZoon provides and let your employer know how access to earned wages would impact you personally.

No. There are no costs to you as an employer.

ZayZoon provides the funds for advances from our own reserve, minimizing the risk to you as the employer.

Absolutely! In fact, employers who offered ZayZoon saw a 29% reduction in turnover, and 79% of employees would switch to an employer who offered Earned Wage Access!

ZayZoon is most commonly used in the following industries:  Healthcare, Senior Living, Medical, Dental, Restaurant/QSR, Manufacturing, Grocery, Retail, Hospitality, Gig Economy, Call Centers.

ZayU is free to any employee, regardless of if they take an advance from ZayZoon or not!

It won’t! Just run payroll as you normally do. The only thing you may notice is a new deduction field for ZayZoon that shows up on employees’ paystub.  

ZayZoon is there to support employees access their earned wages before payday, but is not meant to be a substitute to their entire paycheck. They can access up to 50% of their net earnings during the pay period, or up to $1000.

ZayZoon is equipped with live agents that can respond within minutes to any employee inquiry! 

Employees are able to access up to $200 per day. They can access up to 50% of their net earnings during the pay period, or up to $1000.

Either to a bank account or debit card.

Employees just need to follow the sign up instructions provided from their employer. Once they have created their account, they can access their account through the ZayZoon website or mobile app!