ZayZoon plans
Employer program
$0/employee/mo1
No cost to the employer
- Earned wage access through 130+ payroll providers
- Perks, rewards and recognition
- Financial education and announcements
Price at a glance
ZayZoon cost by company size
- Published starting price$0/employee/mo
| Employees | Published starting price |
|---|---|
| 1 | $0/mo$0 over 3 yrs |
| 5 | $0/mo$0 over 3 yrs |
| 10 | $0/mo$0 over 3 yrs |
| 25 | $0/mo$0 over 3 yrs |
| 50 | $0/mo$0 over 3 yrs |
| 100 | $0/mo$0 over 3 yrs |
The published starting price only: plan tiers, add-ons and other products are quoted on top.
Extra and hidden costs
Is it worth the price?
50th percentileZayZoon at $0/mo1 — the category median (list price per month at 25 employees, 6 earned wage access products with published prices).
At 25 employees, ZayZoon lists at $0 a month. Of the 6 earned wage access products with published prices, 0 cost less, 5 cost the same and 0 cost more.
Price comparison
| Product | Starting price | Pricing model | Pricing details |
|---|---|---|---|
 ZayZoon | $0/employee/mo1 | Free | ZayZoon pricing |
 Branch | $0/employee/mo4 | Free | Branch pricing |
 DailyPay | $0/employee/mo5 | Free | DailyPay plans and prices |
 Tapcheck | $0/employee/mo6 | Free | What Tapcheck costs |
 Payactiv | $0/employee/mo7 | Free | Payactiv pricing |
 Rain | See plans | Free | Rain pricing |
Lowest published monthly price of a plan for earned wage access, cheapest first at 25 employees. “See plans”: priced on another basis; “Quote only”: no published price.
ZayZoon price comparisons
Frequently asked questions
How much does ZayZoon cost an employer?
ZayZoon is free for employers: no employer funding account, no change to direct deposit, and repayments go through your payroll provider.
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.
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.
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.
Why can ZayZoon fees differ by state?
State rules on earned wage access decide which payout methods and fees appear; ZayZoon applies them automatically and always shows at least one $0 option.
How do ZayZoon’s fees compare with other earned wage access providers?
ZayZoon charges one flat $5 per U.S. payout with payouts capped at $200, so the fee weighs more on a small payout than on a large one; a $0 method is always available.
Who makes ZayZoon?
ZayZoon (an earned wage access provider) was founded in 2014. ZayZoon is privately held.
How this page was made
What it is built from
11 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 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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How we make money
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ZayZoon Pricing
Sources
The 9 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.”
- ZayZoon zayzoon.com/earned-wage-access“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.”
- Branch branchapp.com/use-cases/earned-wage-access“Offering EWA comes at no cost to your business.”
- DailyPay dailypay.com/earned-wage-access“There is zero cost for employers to implement or maintain DailyPay.”
- Tapcheck tapcheck.com“Tapcheck is 100% free for employers to offer and employees pay only a single, ATM-like fee for transfers.”
- Payactiv payactiv.com“Payactiv Earned Wage Access is offered to employers at no cost.”
- ZayZoon zayzoon.com“Established in 2014, ZayZoon is a unique solution for employees.”
- ZayZoon zayzoon.com/our-story“100+ ZayZooners across five different countries.”
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