Employee Financial Wellness from iSolved, turn-key for Network Partners.
Wages On-Demand and a free financial education platform.
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.
We do not require a card and can work with time data (but do not require it).
Make the best of this fully automated, free benefit for your clients, today.
Partnered with multiple isolved Network brands
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
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
A significant revenue opportunity for Network Partners.
Help your clients save $19k per year in turnover for every 200 employees they pay, and improve retention by 29%, with ZayZoon. ZayZoon is free for your clients to deploy with seamless setup.
Thousands of businesses offer ZayZoon

How it works
Integration
Payroll and HCM data is securely exchanged with iSolved systems to allow employees to securely create an account and to calculate earned wages available. We are already integrated with iSolved. Activate Today
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 ZayZoon, all of your employees, not just Wages On-Demand customers, receive access to our financial wellness platform, ZayU.
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.

ZayZoon is the tip of the spear employee offering, helping employers attract new employees.
Hospitality, Healthcare, QSR, Manufacturing, Call Center Facilities and Senior Living facilities are all examples of industries that are pushing wages on demand to help drive new employee applications.
Frequently Asked Questions
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 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!
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.
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.
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 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 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 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 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.
How can employees get support for the service?
ZayZoon is equipped with live agents that can respond within minutes to any employee inquiry!
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.
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.
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!
Where can employees deposit their money?
Either to a bank account or debit card.
Will offering Earned Wage Access cost our business anything to enable?
No. There are no costs to you as an employer.
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.
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:
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

Recent Blog Posts
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Proven Results For Modern Businesses
If you’ve never heard of Wages On-Demand or Earned Wage Access before, the idea may seem crazy. How can it be possible to offer instant wages when traditionally it takes weeks? Some companies feel reluctant about the service due to the fear of overhead expenses, some just don’t care enough to take the initiative for their employees, but in reality most simply just don’t know how access to earned wages can be the ultimate benefit for their workforce.
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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.
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Wages On-demand For Your Business: Healthcare
In 2020, COVID-19 came in and flipped our worlds upside down. It brought uncertainty, anxiety, fear, and an array of emotions that we all had to deal with. More importantly, it brought to the surface an ocean of issues that the pre-existing status quo had failed to address. At the forefront of this was financial wellness. In 2019, 49% of Americans already found it difficult to make ends meet every month.
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Path And Zayzoon Are Making A Difference In The Lives Of Californians
Tens of millions of people across North America are simultaneously experiencing financial uncertainty. With most people working less hours due to the COVID-19 pandemic and many not working at all, ZayZoon's Financial Wellness offering can be extremely beneficial.
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Wages On-demand For Your Business: Quick Serve Restaurants
Quick Serve Restaurants are a part of a $200 billion+ industry that is constantly growing, however, many companies struggle with employee retention and turnover. Some companies even reporting turnover rates as high as 130% over the course of a year. Julie Garland is a part of SERJ Group, a franchisor of Sonic's and Taco Bell's throughout California and Washington. Quick Serve Restaurants like Sonic or Taco Bell are extremely common throughout the United States and not only provide customers with quality meals and prices but also provide fulfilling jobs to members of their community. We sat down with her to learn how ZayZoon has helped her business.
Tags: Businesses | Case Studies | Restaurants | Quick Serve -
Wages On-demand For Your Business: Hotel Management
Nationwide Hotel Management Company, based out of Wichita, Kansas, specializes in long-term extended-stay hotel management. With check-ins and check-outs more spread out than compared to your average hotel, Nationwide operates with a less typical business model and many part-time staff.
Tags: Businesses | Partners | Case Studies