Empower Your Employees With Financial Wellness.

Zay Zoon

Request Access

ZayZoon and Time & Pay have already done the heavy lifting. Just let your Time & Pay CSR know you want the service or use the live chat box o this page to tell us.


Let Your Employees Know About ZayZoon

Posters for your break-room, brochures and even fun things like packages of gum. Download and print all of them here, or request a package directly from us!


Experience the Benefit

Employers who have ZayZoon report more productive employees, reduced turnover, and improved recruitment efforts.

Increase Retention

Give your employees an added benefit that they’ll use and appreciate. ZayZoon has proven itself to be a retention and recruitment tool for organizations of all sizes.

Lower Administration Costs and Improved Cash Flow

Give out advances? ZayZoon funds all transfers, so your funds are never disrupted! As well, no work is needed as the entire process is automated.

Increase Productivity

38% of employees say that financial stress become a distraction at work. By giving employees a way to smooth their cash flow, employees will be less stressed and more productive.

Provide Social Impact

78% of Americans live paycheck to paycheck. Give your employees an education platform and useful financial tool to combat debt and improve their financial health,

Discovered by hundreds of thousands of employees across thousands of businesses.

Tim Hortons
XPO  Logistics

Customer Success


Customers love us. No question about it.


Jenn Hawk
Customer Testimonial

Employees' new favorite "app"

ZayZoon Iphone

Features to love.

ZayZoon is the easiest way for employees to access their wages early. No app to download and no cards to wait for in the mail. ZayZoon is entirely online and can be used with a smartphone, tablet, laptop or desktop - you pick.


Funds sent directly to your bank account. Instant. 24/7/365


$5 flat fee - no hidden fees!


No credit check!


We are not a loan!





Getting started is easy

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

Funds are automatically taken off the next paycheck. No work needed by the business - this is 100% taken care of by the integration built between Time & Pay and ZayZoon.

Early Access to Wages

Save money on NSF charges and late payments. It's earned but unpaid wages. Employees can access them when you want.

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 the employee. ZayZoon simply provides employees access to their earned wages early.

  • What is the cost?

    ZayZoon is free for employers. For employees, 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 the employees next payday, with no disruption to your current payroll process.

  • How long for employees to receive money?

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

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

    Employees can go from sign-up to having funds in their bank account in less than 1 minute. No on-boarding is needed from the employer. This is all done automatically with the ZayZoon and Time & Pay integration.

  • How do employee's sign-up?

    Employees are notified of the service through email, employer marketing materials or in their payroll self-service portal. All that is needed for sign-up is for an employee to upload a picture of government issued ID and debit card information or bank account information for funds transfer.

  • 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 www.zayzoon.com or email at support@zayzoon.com

    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.