ZayZoon Review
ZayZoon is earned wage access for small and mid-sized employers and franchises, free for the employer, with a flat $5 per payout for U.S. employees and always a $0 option.
Best for
- Small businesses and franchises that want no employer cost and a quick payroll switch-on
- Employers in quick-serve, healthcare, transportation and manufacturing
- Employers that want perks, recognition and announcements in the same app
Not ideal for
- Employers whose staff need more than half of their earnings before payday
- Employers that want employees to take more than one payout a day
How we evaluated ZayZoon
This review rests on the 15 facts this page shows, each checked against the source listed under “Sources”, most recently on . We did not test the product hands-on: the score uses only those verified facts, as our methodology explains; third-party ratings, where we quote them, never count in the score.
Our verdict
ZayZoon is earned wage access built for small and mid-sized employers and franchises: free for the employer, with a flat $5 per payout for U.S. employees and at least one $0 option in every state. Payouts are capped at $200 each and up to 50% of earnings, missed repayments never go to collections, and it holds a SOC 2 Type II report.
Strengths
No cost to the employer
Free for employers, with no funding account and no change to direct deposit.
Evidence: Pricing model: Free2
Simple employee fee
A flat fee per payout in most U.S. states, published in its help center, and always at least one $0 payout method.
Evidence
Extra costs: Employees pay a flat $5 per payout in most U.S. states, At least one $0 payout method is always available; state rules change the options, Payouts are capped at $200 each and one a day3
Protective limits
Up to 50% of earnings, one payout a day, and missed repayments do not affect credit or go to collections.
Evidence
Key features: 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 deposit4
SOC 2 Type II report
Holds a SOC 2 Type II report, per its security page.
Evidence: SOC 2 Type II: Yes5
Weaknesses
Lower access ceiling
Access stops at 50% of earnings and $200 per payout, which suits employers that want small, frequent payouts more than large ones.
Evidence
Key features: 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 deposit4
Paid payouts in most states
Outside New York, Maryland and South Carolina, next-day bank payouts carry the flat fee; the free options depend on the state.
Evidence
Extra costs: Employees pay a flat $5 per payout in most U.S. states, At least one $0 payout method is always available; state rules change the options, Payouts are capped at $200 each and one a day3
Price at a glance
ZayZoon cost at 10 to 100 employees
- Published starting price$0/employee/mo
| Employees | Published starting price |
|---|---|
| 10 | $0/mo |
| 25 | $0/mo |
| 50 | $0/mo |
| 100 | $0/mo |
The published starting price only: plan tiers, add-ons and other products are quoted on top.
Quick answers
- How much does ZayZoon cost an employer?
- ZayZoon is free for employers: it needs no employer funding account or change to direct deposit, and repayments are deducted through your payroll provider on the next pay date.Based on Pricing model: Free2
- What fees does ZayZoon charge employees?
- In most U.S. states, employees pay a flat $5 per payout, up to $200 a payout. At least one $0 payout method is always available, and in New York, Maryland and South Carolina next-day bank deposits are free.Based on Extra costs: Employees pay a flat $5 per payout in most U.S. states, At least one $0 payout method is always available; state rules change the options, Payouts are capped at $200 each and one a day3
- Are there hidden fees with ZayZoon, such as interest or late fees?
- ZayZoon is not a loan, so payouts carry no interest, and missed repayments do not affect credit or go to collections. Employees pay a flat $5 per payout in most states, and at least one $0 payout method is always available.Based on Key features: 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 deposit4
- How much can employees take out with ZayZoon?
- Up to 50% of earnings before payday, with a maximum of $200 per payout and one payout a day.Based on Key features: 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 deposit4
Coverage of core earned wage access capabilities
Each core capability we evaluate in Earned Wage Access, checked against ZayZoon’s own documentation. “Not verified yet” means we have not confirmed it either way, not that it is missing.
8 verified of 11 core capabilities
Earned Wage Access
Specifications
ZayZoon integrations
ZayZoon integration coverage
The 10 apps that earned wage access products document most often, and whether ZayZoon documents each.
2 of the 10 most-connected apps documented by ZayZoon; median of the 6 products compared: 3.5
- ADP · documented by 6 of 6
- Paylocity · documented by 4 of 6
- Paychex · documented by 3 of 6
- Paycor · documented by 3 of 6
- Workday · documented by 3 of 6
- 7shifts · documented by 2 of 6
- BambooHR · documented by 2 of 6
- Greenshades · documented by 2 of 6
- isolved · documented by 2 of 6
- Paycom · documented by 2 of 6
Integrations each vendor documents (native, marketplace, Zapier, API or named by the vendor), 6 live earned wage access products. Not documented does not mean not possible.
Where it ranks
- #4 of 5 scoredEarned Wage Access
- #4 of 5 scoredEarned Wage Access for Enterprises
- #2 of 2 scoredEarned Wage Access for Healthcare
- #2 of 2 scoredEarned Wage Access for Manufacturing
- #1 of 1 scoredEarned Wage Access for Mid-Sized Companies
- #2 of 2 scoredEarned Wage Access for Restaurants
- #2 of 4 scoredEarned Wage Access for Small Business
ZayZoon alternatives
Compare ZayZoon
About ZayZoon
Official profiles
ZayZoon: frequently asked questions
Is ZayZoon SOC 2 compliant?
Yes. ZayZoon has a SOC 2 Type II report and shares it with customers through their ZayZoon representative.
Will my employer know if I use ZayZoon?
Yes, through payroll: when an employee takes a payout, ZayZoon notifies the employer’s payroll provider, and the repayment is deducted from the paycheck on the next official pay date.
How does the ZayZoon available balance build up?
Earned wages become available as soon as they are reported to the employer’s payroll provider, and employees can reach up to 50% of those earnings before payday.
Which payroll systems does ZayZoon work with?
ZayZoon says it integrates “with all major payroll processors” and lists earned wage access through 130+ payroll providers; it names UKG Ready, ADP and isolved publicly, so confirm your own payroll system with ZayZoon.
What is ZayZoon used for?
ZayZoon, on the market since 2014, is an earned wage access product built for small businesses, mid-market companies, and enterprises. Its modules include Earned wage access, Perks, Rewards and recognition, Announcements and polls, and Financial wellness.
Is ZayZoon legit?
ZayZoon is sold by the company of the same name, which was founded in 2014 and is privately held. ZayZoon states SOC 2 Type II compliance.
What are the best alternatives to ZayZoon?
In our earned wage access ranking, the highest-scored products other than ZayZoon are DailyPay, Payactiv, and Tapcheck. Compared side by side, by reason to switch: ZayZoon alternatives.
Which is better, ZayZoon or DailyPay?
It depends on the team. Choose ZayZoon if: you run a small business or franchise and want activation in minutes. Choose DailyPay if: you run a large payroll on Workday, ADP or UKG. The full comparison: ZayZoon vs DailyPay.
What are the pros and cons of ZayZoon?
Strengths documented on the vendor’s own pages: no cost to the employer, simple employee fee, and protective limits. It is less suited to employers whose staff need more than half of their earnings before payday and employers that want employees to take more than one payout a day.
What does ZayZoon integrate with?
Documented examples include UKG Ready, ADP, and isolved. Every documented connection: ZayZoon integrations.
How this page was made
What it is built from
15 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
Passed our independent review on Nov 6, 2026. How we review
Hands-on testing
We have not tested ZayZoon 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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ZayZoonLeadChange Score 7.3
Sources
The 10 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
- ZayZoon zayzoon.com/employers“ZayZoon doesn’t cost you a cent.” “Employees can use ZayZoon—anytime, anywhere.”
- 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.”
- 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. The maximum amount per payout is $200.”
- 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.”
- ZayZoon zayzoon.com/security“ZayZoon has a SOC 2 Type II report.”
- ZayZoon zayzoon.com/employees“Plus, the app is available for desktop and mobile on all iOS and Android devices.”
- intercom.help intercom.help/zayzoon/en/articles/5350984-how-do-zayzoon-repayments-work
- ZayZoon zayzoon.com“QUICK-SERVE HEALTHCARE TRANSPORTATION MANUFACTURING” “Earned Wage Access Money-saving Perks Rewards & Recognition Team Communications Financial Education”
- ZayZoon intercom.help/zayzoon/en/articles/2254027-how-long-will-it-take-to-get-my-money-united-states
- ZayZoon zayzoon.com/our-story“100+ ZayZooners across five different countries.”
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