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Earned Wage Access, simplified

Don’t make employees ask for an advance or take out payday loans when they need cash fast. With ZayZoon Earned Wage Access, employees get their money instantly—whenever, however.

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Employees at these companies trust ZayZoon

8 hours the average reduction in absenteeism per employee using ZayZoon per month
29% reduction in turnover for businesses that offer ZayZoon
2X more job applicants for businesses that offer ZayZoon

The ZayZoon advantage

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Instant access to earned wages

63% of Americans live paycheck to paycheck. With ZayZoon, you can break the cycle by giving employees access to money they’ve already earned when they need it.

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Payout flexibility

ZayZoon on-demand pay let's your employees choose where they get paid: to their bank account, the ZayZoon VISA® PrePaid Card or Instant Gift Cards with up to a 25% bonus.

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Anytime, anywhere

Employees can use ZayZoon—anytime, anywhere. It's available for desktop and mobile. You can even use ZayZoon to track employee usage, access promotional resources and drive adoption.

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Zero cost

ZayZoon doesn’t cost you a cent. We worry about everything for you, from launching your EWA program to making sure it always runs smoothly. That way, you can take all the credit.

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Activate in 30 minutes

ZayZoon integrates with 130+ payroll providers, which means we can have you up and running in less than 30 minutes. Activation is as easy as flicking on a switch.

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Support from real people

Tired of talking to bots? So are we. At ZayZoon, you get real human support whenever you need it. And your employees do, too.

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Security you can trust

We maintain SOC 2 Type II compliance and are regularly evaluated by auditors with the American Institute of Certified Public Accountants (AICPA).

Business leaders trust ZayZoon.

“Implementing ZayZoon was seamless. I think I might have been the first paycheck advance requested. It was great. I got my hundred dollars right away and it showed me where it would come off my next paycheck. I didn't have any hiccups at all.”


Cari GrayFranchise HR Director, Panera Bread

“ZayZoon ensures our caregivers are financially taken care of, so that they can focus on taking care of our seniors.”


Jorge GiraldoCEO, Senior Helpers

"When you have a great culture, you don't have to invest as much in hiring because people know you have a great place to work. Offering benefits like ZayZoon can be the difference between hiring a talented employee or not. I would absolutely recommend ZayZoon to another business. From our perspective, it's been seamless."

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Sandeep ThakarPresident, Neema Hospitality

The definitive guide to selecting the right EWA provider

In this guide, you'll find everything you need to know about on-demand pay, from a comparison of the top providers in the space to questions you should ask prospective vendors.

What employees say about ZayZoon

AngelicaSenior Helpers

My life has changed completely. I don't have to depend on others. I can afford to get food, gas, medicine, and pay my bills.


ZayZoon is convenient when the unexpected expense of everyday life happens. It makes life a whole lot easier.


My husband was furloughed as a result of the pandemic. ZayZoon helped us put food on the table and pay our bills. We were able to stay afloat until he was back to work.

ShaneakaSenior Helpers

A part of my ceiling had collapsed and I needed to fix it without cutting into my mortgage. Luckily, I was able to use ZayZoon to handle the cost of the repairs.