Sign Up
Sign In
 

Employee Financial Wellness & Earned Wage Access from Time & Pay

 
Wages On-Demand and Financial Education is now available for Time & Pay clients.  Employers can activate ZayZoon with Time & Pay for their employees in minutes, and employees can start saving and reducing stress today.
I'm an Employee
I'm an Employer

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

87% of Employers Can't or Won't Give Advances Due to Cost and Risk

On-Demand Pay, or Earned Wage Access, has become one of those creative initiatives that employees are looking for. According to Visa, 95% of hourly employees want to work for a company that offers on-demand pay, and 79% would leave their role for another if on-demand pay was the only difference.  Read More: Are your existing benefits enough? The right way to attract the best employees

57% of Americans Don't Have $500 to Cover Unexpected Expenses

Credit Cards can be extremely beneficial when it comes to buying things you need and/or building up credit with banks for a potential mortgage one day. However, spending money that isn’t yours is a slippery slope for some, this can bloom into some terrible spending habits that could live on to haunt you for a very long time. The key to credit card usage is to never live above your means and to make sure you’ll be able to pay back what you’ve borrowed on time to avoid unnecessary fees. Read more: The financial snowball effect: How do we stop it?

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

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. 

ZayZoon-Explainer Video-Final

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 Time & Pay.

Thousands of businesses offer ZayZoon

ZZ-App-10

How it works

Integration

Payroll and HCM data is securely exchanged with Time & Pay systems to allow employees to securely create an account and to calculate earned wages available. We are already integrated with Time & Pay. Activate.

 

Funding

ZayZoon funds all early wage requests. There is no risk or liability to the employer. Funds are automatically recovered on the next pay run.

 

Support

ZayZoon handles all employee support. There is no additional overhead for the employer to manage the program.

 

Pricing

The service is employee paid, or employers can choose to help subsidize the benefit.

 

 

Powering financial health, beyond wage access

As a client of Time & Pay, all of your employees, not just Wages On-Demand customers, receive access to our financial wellness platform, ZayU.

ZayZoon Network Partner

 

Smart insights

Link your bank account and let us show you where you're spending and how you can save.

Education that's enjoyable

Take a financial health check-up and receive courses custom to your situation. Flex your financial know-how with a certificate of completion, provided with every course. 

Alerts that save money

No one likes overdraft fees or minimum account balance fees. Let us alert you when you're at risk.

ZZ-Simplified app mockup-Expense Categories-1

89%
report lower stress 
29%
reduction in turnover
$19,200
in annual savings

I'm an employee and I'd like to  access my ZayZoon account.

Get Started

I'm a client and I would like to activate ZayZoon for my employees.

Activate ZayZoon

Frequently Asked Questions

We are proud of the work that we are doing to help employees with their financial stress, but honestly we are more impressed with them and the work they are doing under difficult circumstances. Check out some of their stories:

Demetra-Employee Testimonial-With Graphic
Kayla-Employee Testimonial-With Graphic
Leigh-Employee Testimonial-With Graphic
Thomas-Employee Testimonial-With Graphic

As an employee, you can only access ZayZoon to avoid overdraft, predatory loans and high fees if your employer has signed up. To sign-in to your account, or to see if your employer offers Wages On-Demand, go to zayzoon.com/employees.

$700+

saved every year versus overdraft, late payment fees and loans
ZayZoon Earned Wage Access and Financial Education for Employees

Recent Blog Posts

  • Are Your Existing Benefits Enough? The Right Way To Attract The Best Employees

    Employers today face an ongoing challenge in attracting and retaining top talent. It's not just about compensation and core benefits any more. Culture, supportive leadership, mentorship, career progression and other factors are important. In addition, many prospective employees are asking "what else?"; what creative initiatives can an employer offer that will help that employee come on board and produce their best work?

    Tags: Employer | 10 Facts WOD | partners
  • Save $702 A Year With Wages On-Demand

    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 but unfortunately, have also made spending your hard earned cash easier than ever. 

    Tags: Employee | 10 Facts WOD
  • 10 Facts On Wages On-Demand

    We live in the digital age.  Your Grandma can send you money electronically for your birthday, but you still have to wait weeks to get paid. Not anymore. ZayZoon’s mission is to improve customers’ financial health through the use of responsible financial products, and with Wages On-Demand, our unique offering of Earned Wage Access, we’re changing how employees get paid.

    Tags: Employee | Employer | 10 Facts WOD
  • Listening To Your Customers: The Path To Success

    As a startup, it's essential to get a good product developed that meets your vision; what many growth-oriented companies tend to forget, though, is that this product has to be built to serve our customers in the best way possible. A vision, or even an incredible product that doesn't connect and adapt to the daily needs of its users, is inevitably bound to fail.  

    Tags: Employee | Employer | 10 Facts WOD
  • It's Not 'just' Stress: how Your Finances Affect Your Health

    Nothing is certain in life, but if we had to name something, it'd probably be financial stress. We all know it, unexpected expenses come up and they don’t add up with payday, we’re supposed to save up for six months’ worth of wages, but barely seem to manage to make it until the end of the month. 

    Tags: Employee | 10 Facts WOD | HR
2021-05-08 11:25:37

Tags: Time & Pay, MPay, Payroll, Earned Wage Access, On-Demand Pay