A benefit for Hawaii employers and their teams
Payday doesn't have to wait.
ZayZoon lets employees access a portion of the wages they have already earned before payday — enough to cover a bill or an unexpected cost without reaching for a payday loan or an overdraft. Free for employers to offer, voluntary for employees to use.
How it works
Wages already earned, a few days early.
Employees get more control over their money between paychecks. Employers get a team that is less financially stressed, which tends to show up as steadier attendance, stronger engagement, and better retention.
Earnings are estimated from payroll history
ZayZoon reads a historical trend across past pay periods and estimates the amount available — it does not reflect hours worked so far in the current period. No daily uploads, no file exchanges.
The employee requests a portion early
Up to 50% of net earned wages, and they choose how to receive the funds. Several options are completely free.
Payroll runs as usual
ZayZoon funds every request. An automatic deduction code repays ZayZoon on the next run — that is the only change an employer sees.
Product overview
Earned Wage Access, and a bonus.
Financial education — ZayU is free to every employee with a ZayZoon account, whether or not they ever take a wage advance. Beginner to advanced.
For employees
Access to a portion of your pay before payday — no waiting.
Free financial education and budgeting resources.
Less financial stress.
No credit check required.
Pick an amount, pick how to receive it, and the money is on its way.
FAQs
Click a question to expand it. Grouped by audience below.
For employers
Will offering Earned Wage Access cost our business anything?
No. There are no costs to enable it, and ZayZoon funds all earned wage requests.
How will offering EWA affect my payroll?
It won't. Run payroll as you normally do. The only change you may notice is a new ZayZoon deduction line on employee paystubs, which repays ZayZoon automatically on the next run.
Do we have to upload payroll daily?
No. Hours worked and earnings pull automatically via API from your payroll.
Does my business provide the funds for the wage advance?
No. ZayZoon provides the funds from its own reserve, which minimizes your risk as the employer.
If an employee leaves with an outstanding balance, are we responsible for it?
No. ZayZoon collects directly from the employee. At no point is the employer responsible for repayment.
Is there a limit on how much employees can access?
Up to $200 a day, and up to 50% of net earnings or $1,000 per pay period, whichever is less, with one transaction per day. ZayZoon is meant to supplement a paycheck, not replace it.
Can we adjust the 50% access limit?
The 50% default can be adjusted client-by-client if appropriate. ZayZoon handles that request directly and may ask the client to back the added risk with additional funds.
Is there a minimum company size?
No. ZayZoon works for clients with 1 employee or thousands.
Can employees transfer wages to each other for tip payouts?
No. ZayZoon works with each employee individually, so there is no tip payout.
Can ZayZoon be used as a recruitment tool?
Yes. Employers who offered ZayZoon saw a 29% reduction in turnover, and 79% of employees would switch to an employer offering earned wage access.
What industries use ZayZoon the most?
Healthcare, senior living, medical, dental, restaurant and QSR, manufacturing, grocery, retail, hospitality, gig economy, and call centers.
How do employees get support?
ZayZoon has live agents who can respond within minutes to any employee question.
For employees
Do I need a credit check?
No credit check is required.
How much can I access?
Up to 50% of your net earned wages, capped at $200 a day and $1,000 per pay period, with one transaction per day. You need a minimum of $20 available to request a payout. Check “Wages Available” on your ZayZoon dashboard for today's amount.
What does it cost me?
At most, a $5 flat fee per transaction, and there are fee-free options like gift cards and the gas card. ZayZoon never charges interest.
How do I get my money?
You can either do direct deposit, Venmo or Zelle, instant gift cards (with a bonus), or the gas card. If you have a pay card, you can also issue your funds there.
Where do I sign up and how do I access my account?
If your employer offers this through Prism, you'll be able to sign up through your ProService login account. Have your ID and most recent paystub handy.
What if I get a 401 error or can't sign up?
A 401 error usually means the information you entered doesn't match what ZayZoon received from payroll. Reach out to ZayZoon support with your most recent paystub and they can guide you.
I requested a payout but haven't received it. What do I do?
Contact ZayZoon support at [email protected] or use the live chat in the app or on the website.
Can I repay over multiple paychecks?
No. Repayment is a single deduction on your next payroll run.
Can I use the financial education ZayU without taking an advance?
Yes. ZayU is free to any employee with a ZayZoon account, whether or not they take an advance.
Where to get help
ZayZoon handles all employee support directly.
Email [email protected]
Live chat in the ZayZoon app and at zayzoon.com
Get started
Get started today.
If you're an employer
Opt in and we will activate ZayZoon through your existing payroll setup. Have questions before you decide? Reach out to your Service Team for more information.
Opt in for your teamIf you're an employee
If your employer already offers ZayZoon, you can sign up through your ProService Login.
Go to your ProService loginResources
Resources to share with your team.
Feel free to download and print these for your team.