Employee Financial Wellness & Earned Wage Access from INVO PEO
Wages On-Demand and Financial Education is now available for INVO PEO clients. Employers can activate ZayZoon with INVO PEO for their employees in minutes, and they can start saving and reducing stress today.
If they do, you may be minutes away from being able to receive your already earned wages today!
as a benefit to your employees?
Find out more about Earned Wage Access.
Our customers love us!
The ZayZoon advantage
Reduce costs. Increase employee retention. Improve employee morale.
ZayZoon explained in 4 minutes
Thousands of businesses offer ZayZoon
$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
4.9/5 Average Customer Success Rating
As we looked to build out the team at ZayZoon, it was important we have members that embody our core values; Trust, Mastery, Hustle and People Driven. Being able to treat customer inquiries with urgency and care is a delicate balance. Read more: Listening to your Customers: The Path to Success
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
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
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
How ZayZoon works
ZayZoon allows employees to instantly access their earned wages on-demand. It's a voluntary benefit that reduces financial stress related to cash flow shortfall between pay checks. Improve retention, increase productivity and benefit from a more engaged workforce.
In a perfect world, employees could be paid every day. ZayZoon allows employees to take control of their finances and smooth cash flow. Reducing employee stress and improving workplace engagement. And it's easy to set up through a trusted integration with INVO PEO.
Payroll and HCM data is securely exchanged with INVO PEO systems to allow employees to securely create an account and to calculate earned wages available. We are already integrated with INVO PEO.
ZayZoon funds all early wage requests. There is no risk or liability to the employer. Funds are automatically recovered on the next payroll cycle.
ZayZoon handles all employee support. There is no additional overhead for the employer to manage the program.
Frequently Asked Questions
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.
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.
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.
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!
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
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.
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.
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 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!
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 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!
How can employees get support for the service?
ZayZoon is equipped with live agents that can respond within minutes to any employee inquiry!
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.
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.
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.
Where can employees deposit their money?
Either to a bank account or debit card.
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.
Will offering Earned Wage Access cost our business anything to enable?
No. There are no costs to you as an employer.