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Earnings, instantly!

ZayZoon is the easiest way for you to access your wages early. No app to download and no cards to wait for in the mail. ZayZoon is entirely online and can be used on any smartphone or computer.


✔ Funds sent directly to you, instantly, 24/7/365
✔ $5 flat fee
✔ No credit check
✔ Access your wages when you need them!


78% – ​The percent of employees who live paycheck to paycheck

81% – ​The percentage of ZayZoon customers who indicated needing their payouts for necessities like groceries and medicine

38% – ​The percent of employees who report being distracted at work because of their finances

$702 -​ The amount of money an employee keeps in their pocket each year by using ZayZoon to avoid payday loans, overdraft and unnecessary fees


Get on top of your finances with ZayU. Gain a deeper understanding of your finances through tools such as Overdraft Prediction, Spend Behavior, Banking Insights and Interactive Financial Education.

Some of the options you get when you choose our On Demand Pay feature:

Wages, in seconds.

ZayZoon is available 24 hours a day, 365 days a year. We use The Visa and Mastercard networks to get money in your hands easily.

Say goodbye to debt & interest

We charge a flat transactional fee. Since it’s your own wages you’re accessing, you’re not taking on debt to smooth your cashflow.

Put your finances on auto-pilot

With our overdraft predictor, low balance notifications and spend insights, you can sleep easy knowing exactly where your finances stand.

Trusted and Secure

Finances are no joke. We’re trusted by some of the biggest brands in the world, and always make sure you’re our number one priority.

Are you ready to get on top of your finances with ZayZoon?