DailyPay vs ZayZoon

DailyPay9.3/10

ZayZoon7.3/10

Scored in Earned Wage Access

The short answer

Both are free for employers. DailyPay lists $3.49 per instant transfer, set by each employer’s contract, with free 1-3 business day transfers, and allows up to 100% of the available balance; ZayZoon charges a flat $5 per payout in most states, always offers a $0 method, and caps payouts at $200 and 50% of earnings.

By LeadChange Research TeamUpdated Nov 7, 2026Based on 17 sources, most recently checked Oct 22, 2026

DailyPay

Starting price: $0/employee/mo1
Best for: Employers on Workday, ADP or UKG that want earned wage access without changing payroll

Choose DailyPay if

You run a large payroll on Workday, ADP or UKG.
Your employees need more than $200 per transfer.
You want a lower listed instant fee: DailyPay lists $3.49, set by each employer’s contract.
You need ISO 27001 as well as SOC 2 Type II.

DailyPay plans and prices DailyPay alternatives

ZayZoon

Starting price: $0/employee/mo2
Best for: Small businesses and franchises that want no employer cost and a quick payroll switch-on

Choose ZayZoon if

You run a small business or franchise and want activation in minutes.
You want limits that keep payouts small: $200 each, one a day, up to 50% of earnings.
You want missed repayments never to reach collections or credit reports.
You want perks, recognition and announcements in the same app.

ZayZoon plans and prices Alternatives to ZayZoon

LeadChange Score: editorial assessment based on public information.

Scorecard

DailyPay wins 2ZayZoon wins 2

DailyPay vs ZayZoon by dimension
Dimension	DailyPay	ZayZoon
CapabilitiesZayZoon documents 8 of the 11 items on our earned wage access checklist, including no-recourse treatment. DailyPay documents 6. Up to 50% of earnings available before payday, Up to $200 per payout and one payout a day, Payouts to a bank, the ZayZoon Visa Prepaid Card, Venmo or gift cards, Missed repayments do not affect credit or go to collections, No funding account or change to direct deposit3	6 of 11 core capabilities	8 of 11 core capabilities
IntegrationsDailyPay connects to over 180 HCM, payroll and time systems. ZayZoon says it integrates with all major payroll processors and powers UKG Wallet in UKG Ready, but publishes no single count. 1804	4 documented (vendor says 180)	3 documented
SecurityDailyPay states PCI DSS, SOC 2 Type II and ISO 27001. ZayZoon holds a SOC 2 Type II report. Yes5	SOC 2, ISO 27001	SOC 2
Fit and supportZayZoon serves SMB and enterprise, mom-and-pop and franchise employers. DailyPay serves small businesses and enterprises. Small businesses, mid-market companies, enterprises6	Small businesses, enterprises	Small businesses, mid-market companies, enterprises

Key differences

Where DailyPay and ZayZoon differ (3)
Attribute	DailyPay	ZayZoon
Best for	Small businesses, enterprises7	Small businesses, mid-market companies, enterprises6
Support channels	Email, phone, live chat, help center8	Chat, email9
Founded	20157	201410

Show 6 attributes where they are the same

Where they are the same (6)
Attribute	DailyPay	ZayZoon
Pricing model	Free1	Free6
Price transparency	Published11	Published12
Deployment	Cloud4	Cloud2
Mobile apps	iOS, Android13	iOS, Android14
SOC 2 Type II	5	15
Ownership	Private7	Private16

Analysis by dimension

Pricing. Both are free for employers. DailyPay lists $3.49 per instant transfer, set by each employer’s contract, and nothing for 1-3 business days. ZayZoon charges $5 per payout in most states and always offers one $0 method.

Capabilities. ZayZoon documents 8 of the 11 items on our earned wage access checklist, including no-recourse treatment. DailyPay documents 6.

Integrations. DailyPay connects to over 180 HCM, payroll and time systems. ZayZoon says it integrates with all major payroll processors and powers UKG Wallet in UKG Ready, but publishes no single count.

Security. DailyPay states PCI DSS, SOC 2 Type II and ISO 27001. ZayZoon holds a SOC 2 Type II report.

Fit and support. ZayZoon serves SMB and enterprise, mom-and-pop and franchise employers. DailyPay serves small businesses and enterprises.

Neither one?

Payactiv

Payactiv has the highest LeadChange Score in Earned Wage Access after excluding these two (8.7/10).

From $0/employee/mo17

Payactiv review

More DailyPay comparisons

More ZayZoon comparisons

Frequently asked questions

Which charges employees less, DailyPay or ZayZoon?

For instant pay, DailyPay’s listed $3.49 is less than ZayZoon’s $5 per payout, though each employer’s contract sets DailyPay’s fee. Both also have a free route: DailyPay’s 1-3 business day transfers and ZayZoon’s $0 payout method.

What are the withdrawal limits of DailyPay and ZayZoon?

ZayZoon allows up to 50% of earnings, $200 per payout and one payout a day. DailyPay allows up to 100% of the available balance and up to $1,000 a day.

Is ZayZoon or DailyPay better for a small business?

ZayZoon is built for SMB and franchise employers and can be activated in minutes; DailyPay offers a self-serve option for small businesses. Both are free for the employer.

What happens with DailyPay or ZayZoon if a repayment fails?

ZayZoon says missed repayments do not affect credit or go to collections. DailyPay recovers transfers at the end of the pay period through normal payroll.

Are DailyPay and ZayZoon SOC 2 certified?

Both are: DailyPay states SOC 2 Type II and also ISO 27001, and ZayZoon holds a SOC 2 Type II report.

Which competitors compare with DailyPay and ZayZoon?

Payactiv, Tapcheck, Rain, Branch and Instant Financial are the other earned wage access providers we review. Here, DailyPay’s case is reach and higher access; ZayZoon’s is small-business focus and strict limits.

How this page was made

What it is built from
27 verified facts, each checked against the vendor's own pages or another primary source, most recently on Oct 22, 2026.
Method
Scored and compared with the LeadChange methodology, version 1.5. Read the methodology
Independent review
Not reviewed yet by our independent reviewer. How we review
Hands-on testing
We have not tested either product hands-on: this page uses public information only.
Who made it
The LeadChange Research Team, following a written research process. No named expert has reviewed this page. About us
Independence and errors
Who pays us never changes a score or a rank. If something here is wrong, tell us and we correct it publicly. Request a correction

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DailyPay vs ZayZoon

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Sources

The 17 pages this page's facts come from, with the day we last checked each one. The numbers beside the figures above link here.

Quotes from the sources

DailyPay dailypay.com/earned-wage-access“There is zero cost for employers to implement or maintain DailyPay.”
ZayZoon zayzoon.com/employers“ZayZoon doesn’t cost you a cent.” “Employees can use ZayZoon—anytime, anywhere.”
ZayZoon intercom.help/zayzoon/en/articles/2614604-how-much-money-can-i-access-with-zayzoon“ZayZoon provides access to a percentage of your earnings before payday (up to 50%) to encourage financial health.”
DailyPay dailypay.com/earned-wage-access-platform“DailyPay seamlessly integrates with over 180 leading HCM, payroll, and time management systems, including partners like ADP, Workday, and more.” “DailyPay connects to your existing payroll system and launches to your employees right away.”
DailyPay dailypay.com/on-demand-pay“DailyPay follows industry-leading data security standards, such as PCI DSS, SOC 2 Type II, and ISO 27001 to maintain a secure environment for your financial data.”
ZayZoon zayzoon.com/earned-wage-access“For SMB and enterprise, mom-n’-pop and franchise” “It’s free for employers, works with your existing payroll, and can be activated in as little as 10 minutes.”
DailyPay dailypay.com/about-us“Introduced a self-serve On-Demand Pay solution designed specifically with small businesses in mind.” “2015 DailyPay was founded.”
DailyPay get.dailypay.com/frequently-asked-questions
ZayZoon intercom.help/zayzoon/en/articles/2254027-how-long-will-it-take-to-get-my-money-united-states
ZayZoon zayzoon.com“Established in 2014, ZayZoon is a unique solution for employees.”
DailyPay get.dailypay.com/our-fees“Clear and transparent pricing”
ZayZoon intercom.help/zayzoon/en/articles/1546880-how-much-does-zayzoon-cost-united-states“For American employees, ZayZoon costs a flat transaction fee of $5 USD per payout.”
DailyPay apps.apple.com/us/app/dailypay-on-demand-pay/id1399085077“DailyPay gives you access to your earned pay, plus tools to save money and monitor your credit, all in one place.”
ZayZoon zayzoon.com/employees“Plus, the app is available for desktop and mobile on all iOS and Android devices.”
ZayZoon zayzoon.com/security“ZayZoon has a SOC 2 Type II report.”
ZayZoon zayzoon.com/our-story“100+ ZayZooners across five different countries.”
Payactiv payactiv.com“Payactiv Earned Wage Access is offered to employers at no cost.”