Advantages to using an Earned Wage Access program

  • Reduce costs

  • Increase employee retention

  • Improve employee morale

  • 89% – employees report less stress

  • 29% – reduction in employee turnover

  • 4.9/5 – Customer Success review rating

79% of Employees Are Willing to Switch to a Company That Offers Earned Wage Access
Providing benefits tailored to the current needs and situations of employees is a more robust plan. Shortening the pay cycle, thus giving access to funds quicker.

78% of Americans Live Paycheck to Paycheck
Earned Wage Access is a real solution for real problems. Employees can use Earned Wage Access to help buy groceries, purchase personal items, and address unexpected emergencies.

$702 in Annual Savings with Earned Wage Access
Saving money isn’t always an easy task, but as technology progresses it does make many aspects of our lives much easier. These advancements have done wonders in terms of managing/protecting finances.

Earned Wage Access
Access works

Earned Wage Access allows employees to instantly access their earned wages on-demand. It’s a voluntary benefit that reduces financial stress related to cash flow shortfall between paychecks. Improve retention, increase productivity and benefit from a more engaged workforce.

In a perfect world, employees could be paid every day. Earned Wage Access allows employees to take control of their finances and smooth cash flow, helping to reduce employee stress and improve workplace engagement.

This service is brought to you by ZayZoon, and it’s easy to set up through a trusted integration with California Payroll.


Data is securely exchanged with California Payroll systems to allow employees to safely create an account and to calculate earned wages available.


ZayZoon funds all earned wage requests. There is no risk or liability to the employer. Funds are automatically recovered on the next payroll cycle.


ZayZoon handles all employee support. There is no additional overhead for the employer to manage the program.


The service is employee paid, or employers can choose to help subsidize the benefit.

Employer FAQ

There isn’t a difference! These are all terms you may see used for programs that provide early access to earned wages:

  • Early Wage Access

  • Employee Financial Wellness

  • Earned Wage Access

  • On-Demand Pay

  • Paid By Day

  • Wages On-Demand

  • ZayZoon

Employees just need to follow the sign up instructions provided from their employer. Once they have created their account, they can access their account through ZayZoon’s website or mobile app!

Either to a bank account or debit card.

Employees are able to access up to $200 per day. They can access up to 50% of their net earnings during the pay period, or up to $1000.

Earned Wage Access is most commonly used in the following industries: Healthcare, Senior Living, Medical, Dental, Restaurant/QSR, Manufacturing, Grocery, Retail, Hospitality, Gig Economy, Call Centers.

ZayU is free to any employee, regardless of if they take an advance or not!

ZayZoon provides the funds for advances from their own reserve, minimizing the risk to you as the employer.

Absolutely! In fact, employers who offered Earned Wage Access & Employee Financial Wellness saw a 29% reduction in turnover, and 79% of employees would switch to an employer who offered Earned Wage Access!

Currently, California Payroll is waiving all set-up and monthly management fees.

It won’t! Just run payroll as you normally do. The only thing you may notice is a new deduction field for “ZayZoon” that shows up on employees’ paystub.

Earned Wage Access is there to support employees’ access to their earned wages before payday, but is not meant to be a substitute to their entire paycheck. They can access up to 50% of their net earnings during the pay period, or up to $1000.