Financial Wellness for happier, healthier and more productive employees

ZayZoon is on a mission to improve employee health through the use of responsible financial products. Workplace financial wellness helps with recruitment, employee retention and productivity.

Financial Education and Overdraft Prediction


  • What is ZayZoon?  

    ZayZoon is a technology solution that allows you access to your earned but unpaid wages between pay periods.
    People’s expenses don’t necessarily match the rhythm of when they get paid, and large or unexpected bills can leave you short during a pay period.
    ZayZoon helps you match the rhythm of your expenses to your income.
    If you go to ZayZoon you can select part of the wages you’ve earned since your last pay to be sent to you.
    Simply select the amount you need and the money is deposited into your nominated bank account immediately.

  • How does ZayZoon work?  

    First, you have to create a ZayZoon account. Then, by opening the ZayZoon app on your phone or computer, you can access part of the wages you’ve earned since your last pay. Select the amount you need to access now, hit enter, and the money you’ve requested is sent to your bank account, usually within a few seconds. When your next pay is due, ZayZoon is automatically paid back with a $5 fee (GST Incl.). You receive the balance of your wages.
  • What’s an example of how ZayZoon works?  

    Imagine you needed $400 to pay a bill. ZayZoon generally offers its customers about half of what they’ve earned since their last pay.
    So if you worked 5 days since your last pay, at $200 per day (after tax), then you would have earned $1000. ZayZoon will make half of that, or $500, available to you through the app.
    The ZayZoon app’s dashboard would show $500 as your available wages. You can select $400 and press enter. This money would be deposited into your bank account.
    On your next pay date, ZayZoon would be paid back. So say you had worked another five days at $200 a day, for a total of 10 days in the pay period, then you’d be due $2000 in your pay.
    The advance you took from ZayZoon would be paid back when you were paid, with a $5 fee. So your payslip would look like this:

    Net Pay: $2000
    ZayZoon Deduction: -$ 405
    Total Amount to be deposited: $1595
  • How do I join ZayZoon?  

    We've partnered with employers to offer ZayZoon to their employees. If you want access to your wages on-demand, join ZayZoon by clicking the link for ZayZoon sent to you by your employer.
    You can set up an account by downloading the ZayZoon App from Apple’s AppStore or Google PlayStore.

    We’ll need some details about you, including ID proof such as scanned image of your driver’s license or passport to make sure you are who you say you are!Once your account has been authorized, which is usually immediate but can take up to 24 hours, you can access a proportion of your wages, as you earn them.
  • How does ZayZoon affect my income?  

    ZayZoon does not affect your income.
    ZayZoon simply alters the time that you receive parts of your pay. If you want, you can access up to 50% of your earned net income before your regular scheduled pay date.
  • Why do I need to provide ID verification?  

    Our user’s security is our highest priority. Thus, as part of our AML/CTF program, we need to ensure that you are who you say you are, and thus at a minimum require ID verification. This is a government issued photographic ID such as your driver’s license, passport or medicare card.
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  • Personalized experience

    Take your personal financial assessment, establish a baseline, and then take recommended courses to improve your financial wellbeing.

  • An interactive Experience

    Courses that are more than text. Tools that are more than just calculators. ZayZoon believes education should be fun.

  • Calculators & Tools

    APR, Ammortization, Principal, Interest. It gets confusing, that's why banks and lenders like it. We've made it simple.

Education that isn't just fluff

63% of Americans are financially illiterate. They lack the basic skills to reconcile their bank accounts, pay their bills on time, pay off debt and plan for the future. This is why we started ZayZoon financial education.

Employees from Thousands of Businesses use ZayZoon

Including: Subway, Domino's, Sonic, Mazda, Hilton DoubleTree, Burger King and Holiday Inn

Smart Financial Tools

Sometimes you need a little extra help. It's why ZayZoon develops smart financial tools like an Overdraft predictor. Link your existing bank account and let us do the rest. ZayZoon will let you know when you're at risk of going into the negative and what you can do to shuffle things around to prevent it.

Coming November 2019!
  • Overdraft prediction

    Overdraft costs Americans $30 Billion. Typical Overdraft charge is $35 and caused by a $24 mess-up! ZayZoon's predictor helps you avoid mess-up's.


  • Categorization of Spend

    Do you know where you're spending your money? We want to show you and then we want to recommend how you could save.


  • More to come

    We're on a mission to improve employee health through responsible financial products. There's a lot more where that came from.


We're here to help.

ZayZoon empowers employees. The savings show and the reviews speak for themselves.


100X the return on your purchase.

Improving employee financial health isn't just good for your employees. Financial education will go straight to your bottom line.


per employee per month

per employee

Would you like to offer ZayZoon as a solution for your employees? Just need some more information?

Leave us a message and we will get back to you within 24 hours.


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