Get paid today with ZayZoon & ePay Systems
ePay Systems clients can get early access to their earned wages in minutes.
Employees at these companies use ZayZoon
The ZayZoon advantage
Reduce costs. Increase employee retention. Improve employee morale.
How ZayZoon works
ZayZoon empowers employees with the ability to access their earned wages instantly and on-demand, providing a voluntary benefit that alleviates financial stress caused by cash flow gaps between paychecks. By granting employees greater control over their finances and ensuring a smooth cash flow, ZayZoon helps reduce stress and increase workplace engagement, ultimately leading to improved retention and productivity.
Setting up ZayZoon is a breeze, as it integrates seamlessly with our extensive network of trusted payroll partners, making it a convenient solution for employers and employees alike. In an ideal world, employees could be paid daily, and ZayZoon makes that vision a reality by putting financial well-being at the forefront.
ZayZoon explained in 4 minutes
Our customers love us!
Employee financial empowerment has never been easier
The easiest, most effective way to offer on-demand pay, perks and financial education to your employees.
ZayZoon doesn’t cost you a cent. We take on all the risk and liability so you don't have to.
ZayZoon integrates with 130+ payroll providers, and we can have you up and running in less than 30 minutes. Activation is as easy as flicking a switch
Tired of talking to bots? Us too. That’s why, no matter the issue, you and your employees can always expect to receive service from a real human being. And when it comes to maintaining the app, we do all the heavy lifting, so you can take all the credit.
Employees can access and use ZayZoon — anytime, anywhere. It’s available for desktop and mobile on all IOS and Android devices. Employers can use ZayZoon to track employee usage, access promotional resources and drive adoption.
When it comes to security, we provide a safe and trustworthy place for your data. We maintain SOC 2 Type II compliance and are regularly evaluated by auditors with the American Institute of Certified Public Accountants (AICPA).
Getting up and running with ZayZoon requires no changes in your existing payroll processes. Since we integrate with all major payroll processors, it’s as easy as flicking a switch.
78% of Americans Live Paycheck to Paycheck
ZayZoon’s Wages On-Demand is a real solution for real problems. Lasheika uses the service to help her buy groceries, purchase personal items, and address unexpected emergencies. Read More: The Right Tools to Start Over
29% Reduction in Turnover For Employees using Wages On Demand
Through ZayZoon’s research, we’ve discovered that companies offering Earned Wage Access reduce hiring costs by 5%. That represents $19,000 in a 200 person company on average. Combined with lower turnover, ZayZoon makes for an extremely beneficial asset to small and medium-sized businesses looking to grow. Read more: Proven Results for Modern Businesses
89% of Workers Stay Longer at a Company That Offers Earned Wage Access
Doing anything within your power to keep these employees satisfied is very important in maximizing effectiveness. Especially since, if not managed properly, this can result in low morale amongst your employees which, in the long run, indirectly ends up costing you more money than it makes you. Read More: Retaining Modern Day Employees
$702 In Annual Savings With Earned Wage Access
Saving money isn’t always an easy task, but as technology progresses it does make many aspects of our lives much easier. These advancements have done wonders in terms of managing/protecting your finances. Read more: Save $702 a Year With Wages On-Demand
68% of Employees Feel Personal Finances Affect Their Health
Financial options give you real-world options. They can reduce and potentially eliminate stress and start living a better life. ZayZoon's Earned Wage Access is one of those solutions. 89% of employees report that ZayZoon reduces their financial stress noticeably. Read more: It's not 'just' stress: how your finances affect your health
Frequently Asked Questions
Will I be charged interest if I’m overdue?
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.
How much of my wages can I access today?
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!
What if I’m receiving a 401 error or can’t sign up?
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.
How do I know if my employer offers Wages on Demand?
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.
Where can I sign up?
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.
Can I recommend this to a co-worker or friend?
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
How can I get my employer to offer ZayZoon?
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.
Will offering Earned Wage Access cost our business anything to enable?
No. There are no costs to you as an employer.
How can employees access their ZayZoon account?
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!
Can ZayZoon be used as a recruitment tool?
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!
How will offering Earned Wage Access affect my payroll?
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.
How can employees get support for the service?
ZayZoon is equipped with live agents that can respond within minutes to any employee inquiry!
How do you ensure employees do not access their entire paycheck before payday?
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.
Does it cost money for employees to use ZayU?
ZayU is free to any employee, regardless of if they take an advance from ZayZoon or not!
Is there a limit on how often employees use ZayZoon?
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.
Does my business provide the funds for the wages advance?
ZayZoon provides the funds for advances from our own reserve, minimizing the risk to you as the employer.
Where can employees deposit their money?
Either to a bank account or debit card.
What industries use ZayZoon the most?
ZayZoon is most commonly used in the following industries: Healthcare, Senior Living, Medical, Dental, Restaurant/QSR, Manufacturing, Grocery, Retail, Hospitality, Gig Economy, Call Centers.