Getting started is easy

In less than one minute you can sign-up, choose how much money you would like to access, and have it transferred into your bank account, instantly.

Funds are automatically taken off your next paycheck.

Create your ZayZoon account here.



Early Access to Wages

Save money on NSF charges and late payments. Access your earned but not yet paid wages when you need.

Secure and Easy to use

No credit check, under one minute to sign up, and all made possible by a trusted integration with Southland Data Processing.

Incredible Support

We maintain an average live-chat response time of 5 minutes.

More Questions?

  • So, Isn't this just a payday loan?

    No. ZayZoon does not charge interest and does not place debt on you. ZayZoon simply provides employees access to their earned wages early.

  • What is the cost?

    There is no interest charged. ZayZoon is not a loan and instead charges a at fee of $5 to access $200 at a time.

  • Do I need to do anything for repayments?

    Payouts are automatically repaid through payroll direct deposit on your next payday.

  • How long to receive money?

    Funds are transferred instantly, 24 hours a day, 365 days a year.

  • How long does it take to sign-up and access funds?

    You can go from sign-up to having funds in on your cardor account in minutes.

  • How do I sign-up?

    If your employer has opted-in, you will be notified of the service through email, employer marketing materials or your payroll self-service portal. All that is needed for sign-up is for you to upload a picture of government issued ID and debit card information or bank account information for funds transfer.

    If your employer hasn't opted in, we just need to have a quick chat with them and have your payroll provider, Southland Data Processing, turn them on.

  • Is ZayZoon secure?

    Absolutely. ZayZoon is 100% cloud hosted on Amazon Web Services (AWS) which is a SOC2 compliant hosting service. As well, ZayZoon has numerous policies and procedures in place that follow the ISO standard.

  • I have more questions.

    ZayZoon provides excellent customer support 9am - 9pm via live chat at or email at

    All of our customer support agents are fit to answer whatever questions you might have and set the appropriate meetings with ZayZoon management if need be.