DailyPay vs ZayZoon

The short answer

Both are free for employers. DailyPay charges employees $3.49 per instant transfer, 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 Oct 22, 2026

DailyPay

Starting price: $0/employee/mo
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 instant fee: $3.49 per transfer.
You need ISO 27001 as well as SOC 2 Type II.

DailyPay plans and prices DailyPay alternatives

ZayZoon

Starting price: $0/employee/mo
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 ZayZoon competitors

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 deposit	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. 180	180 native	3 documented
SecurityDailyPay states PCI DSS, SOC 2 Type II and ISO 27001. ZayZoon holds a SOC 2 Type II report. Yes	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, enterprises	Small businesses, enterprises	Small businesses, mid-market companies, enterprises

Key differences

Where DailyPay and ZayZoon differ (3)
Attribute	DailyPay	ZayZoon
Best for	Small businesses, enterprises	Small businesses, mid-market companies, enterprises
Support channels	Email, phone, live chat, help center	Chat, email
Founded	2015	2014

Show 6 attributes where they are the same

Where they are the same (6)
Attribute	DailyPay	ZayZoon
Pricing model	Free	Free
Price transparency	Published	Published
Deployment	Cloud	Cloud
Mobile apps	iOS, Android	iOS, Android
SOC 2 Type II
Ownership	Private	Private

Analysis by dimension

Pricing. Both are free for employers. DailyPay charges $3.49 per instant transfer 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/mo

More DailyPay comparisons

More ZayZoon comparisons

Frequently asked questions

Which charges employees less, DailyPay or ZayZoon?

For instant pay, DailyPay’s $3.49 is less than ZayZoon’s $5 per payout. 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.

DailyPay or ZayZoon? Your answer in 3 questions

Your team size, what matters most and your role: see which one fits more of your answers, from verified facts and list prices. Then, if you like, ask to hear from both.

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