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Be the company where people want to work

Earned Wage Access (EWA), also called on-demand pay, is revolutionizing payroll as we know it. Employees are no longer bound by traditional weekly, bi-weekly, semimonthly or monthly pay periods. With on-demand pay, they're free to access a percentage of the wages they've already earned whenever they want. 

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Employees at these companies trust ZayZoon

The impact of financial stress

The cost of living is too high, and cash isn’t flowing fast enough to meet the needs of today’s employees.

45% of payday loan customers use it for unexpected expenses like car repairs
60% of Canadians say their financial situation causes them anxiety
$1000 the annual cost of employee distraction due to financial stress – per employee

The benefits of Earned Wage Access

Besides introducing more control and financial stability into the lives of your employees, on-demand pay can help you...

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Recruit

With Earned Wage Access, you’ll attract 2x more applicants than your competitors.6

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Motivate

8hr reduction in absenteeism per employee using ZayZoon per month

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Retain

Businesses experience up to a 29% reduction in turnover thanks to Earned Wage Access.7

PRODUCT

Earned Wage Access

Employees don’t like asking for a cash advance but sometimes they don’t have a choice. And it can take hours of time to customize payroll runs. With ZayZoon Earned Wage Access, employees get their wages when they need them and you don’t need to lift a finger.

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PRODUCT

Perks

The cost-of-living crisis is impacting everyone, even your employees. Maybe they’re frustrated about the price of gas, or they’ve asked for an advance to cover an unexpected car repair so they can get to work. Whatever the case, now you can help. Perks was designed to make essentials more accessible and to improve your team’s financial well-being.

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PRODUCT

Financial Wellness

ZayZoon Financial Wellness offers beginner, intermediate and advanced educational courses and articles covering everything from opening your first bank account to building credit. It also includes an easy-to-use budgeting and home affordability tool, a retirement analyzer and more.

As employees engage with the platform, their financial literacy score increases—and so does their financial wellbeing.

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Employee financial empowerment has never been easier

The easiest, most effective way to offer on-demand pay, employee perks and financial education. 

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Support from real people

Tired of talking to bots? So are we. At ZayZoon, you get real human support whenever you need it. And your employees do, too.

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Zero cost and paid options

ZayZoon doesn’t cost you a cent unless you want it to. We worry about everything for you, from launching your EWA program to making sure it always runs smoothly. 

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Use it anytime, anywhere

Employees can use ZayZoon—anytime, anywhere. It's available for desktop and mobile. You can even use ZayZoon to track usage, access promotional resources and drive adoption.

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No change to your payroll

Getting up and running with ZayZoon requires no changes to your existing payroll processes. Since we integrate with major payroll processors, we'll take care of the heavy lifting.

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Security you can trust

We maintain SOC 2 Type II compliance and are regularly evaluated by auditors with the American Institute of Certified Public Accountants (AICPA).

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Go above and beyond
If desired, you can support your employees even more by covering part of their transaction fees. You only pay for employees who access their earned wages early in a given month.

Business leaders trust ZayZoon

“Implementing ZayZoon was seamless. I think I might have been the first paycheck advance requested. It was great. I got my hundred dollars right away and it showed me where it would come off my next paycheck. I didn't have any hiccups at all.”

Cari

Cari GrayFranchise HR Director, Panera Bread

“ZayZoon ensures our caregivers are financially taken care of, so that they can focus on taking care of our seniors.”

Jorge

Jorge GiraldoCEO, Senior Helpers

"When you have a great culture, you don't have to invest as much in hiring because people know you have a great place to work. Offering benefits like ZayZoon can be the difference between hiring a talented employee or not. I would absolutely recommend ZayZoon to another business. From our perspective, it's been seamless."

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Sandeep ThakarPresident, Neema Hospitality

What employees say about ZayZoon

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ShaneakaSenior Helpers

A part of my ceiling had collapsed and I needed to fix it without cutting into my mortgage. Luckily, I was able to use ZayZoon to handle the cost of the repairs.

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RanitaLiveOps

My husband was furloughed as a result of the pandemic. ZayZoon helped us put food on the table and pay our bills. We were able to stay afloat until he was back to work.

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AnthonyELFS

ZayZoon is convenient when the unexpected expense of everyday life happens. It makes life a whole lot easier.

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AngelicaSenior Helpers

My life has changed completely. I don't have to depend on others. I can afford to get food, gas, medicine, and pay my bills.

1 BDO Debt Solutions. “BDO Affordability Index 2022.” September, 2022:  https://debtsolutions.bdo.ca/press-and-media/bdo-affordability-index-2022/

2 MNP Ltd. “Ipsos poll November 28 - December 4, 2023.” January, 2024: https://www.ipsos.com/en-ca/mnp-debt-index-declines-current-debt-perception-hits-all-time-low

3 Government of Canada. "Payday Loans: Market Trends." July, 2022: https://www.canada.ca/en/financial-consumer-agency/programs/research/payday-loans-market-trends.html

4 MNP Ltd. “Ipsos poll November 28 - December 4, 2023.” January, 2024: https://www.ipsos.com/en-ca/mnp-debt-index-declines-current-debt-perception-hits-all-time-low

5 Financial Consumer Agency of Canada. "Infographic: calculating the cost of employee financial stress on productivity." November, 2019: https://www.canada.ca/en/financial-consumer-agency/services/financial-wellness-work/resources/infographic-cost.html

6 Spark. “Run a Successful Business and Focus on Employee Financial Wellness.” September, 2022: www.adp.com/spark/articles/2022/06/obtain-and-retain-talent-run-a-successful-business-and-focus-on-employee-financial-wellness.aspx.

7 Ibid.