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.
- Company size
- Small businesses, mid-market companies, enterprises
- Pricing model
- Free
- Deployment
- Cloud
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
- Buyers who need ISO 27001 or a named HCM partner list
How we evaluated ZayZoon
This review rests on 15 facts checked against ZayZoon’s official pricing pages and documentation, most recently on . We did not test the product hands-on: the score and the pros and cons use only those verified facts, as our methodology explains, and third-party ratings are quoted, never scored.
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: Free
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 day
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 deposit
SOC 2 Type II report
Holds a SOC 2 Type II report covering security, availability and confidentiality.
Evidence: SOC 2 Type II: Yes
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 deposit
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 day
Price at a glance
Starting price per employee
$0/employee/mo
Pricing model
Free
Price transparency
Published
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 funds every payout itself, needs no funding account and reconciles through your payroll provider.Based on Pricing model: Free
- What fees does ZayZoon charge employees?
- U.S. employees pay a flat $5 per payout, whatever the amount, up to the $200 payout limit.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 day
- Is there a free way to use ZayZoon?
- Yes. Every state has at least one $0 payout method, 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 day
- Are there hidden fees with ZayZoon, such as interest or late fees?
- No. ZayZoon is not a loan, so payouts carry no interest, and missed repayments do not affect credit or go to collections.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 deposit
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
- Accrued wage calculation
- Payroll and time integration
- Transfer options
- Fee disclosure · not verified yet
- Payroll repayment
- No-recourse treatment
- Deduction recordkeeping · not verified yet
- Access limits and controls
- Employee mobile app
- Financial wellness tools
- Data use and privacy · not verified yet
Specifications
Fit
- Industry focus
- Restaurants, Healthcare, Transportation, Manufacturing
Product
- Modules
- Earned wage access, Perks, Rewards and recognition, Announcements and polls, Financial wellness
- Mobile apps
- iOS, Android
Support
- Support channels
- Chat, email
ZayZoon integrations
ZayZoon integration coverage
The 10 apps that earned wage access products document most often, and whether ZayZoon documents each.
1 of the 10 most-connected apps documented by ZayZoon; median of the 6 products compared: 3.5
- ADP · documented by 5 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
- Paycom · documented by 2 of 6
- QuickBooks · documented by 2 of 6
Integrations each vendor documents (native, marketplace, Zapier or API), 6 live earned wage access products. Not documented does not mean not possible.
Where it ranks
- #4 of 5 scoredEarned Wage Access
- #5 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
- Founded
- 2014
- Ownership
- Private
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.
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 1 more.
Is ZayZoon legit?
ZayZoon is sold by the company of the same name, which was founded in 2014 and is privately held. ZayZoon states that it holds a current SOC 2 Type II report.
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 buyers who need ISO 27001 or a named HCM partner list.
What does ZayZoon integrate with?
ZayZoon documents integrations, including UKG Ready, ADP, and isolved. Every documented connection: ZayZoon integrations.
Does ZayZoon have a mobile app?
Yes. ZayZoon lists mobile apps: iOS, Android.
Is ZayZoon good for small businesses?
ZayZoon lists small businesses among the company sizes it is built for (small businesses, mid-market companies, and enterprises). It ranks #2 of 4 in our earned wage access for small businesses.
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