Journey's AdvanceNOW powered by ZayZoon.

Employees paid through Journey Payroll can now access Wages On-Demand and actionable Financial Wellness products.

There is no cost to employers and employees pay a flat fee to get early access to earned wages.

Payday made easy.

For Employers 

ZayZoon is already available to your people, give us your contact info and number of employees and we will send you what you need to get started.

For Employees

Employees - Getting started is easy

Step 1: Activate your account at

Step 2: Authorize your account to be created. You will need a copy of a government-issued ID so we can make sure it's you. There is no cost to set up your account. You only pay a $5 flat fee to access up to $200 at a time.

Step 3: Access your available funds! Once you successfully request a payout, the amount you were sent plus the fee will be automatically shown on your next paycheck.

Early Access to Wages

Access up to $200 at a time for a $5 flat fee to avoid overdraft fees, late bill payments or to cover a cash flow shortfall between paydays. Get paid when you need.

Secure and Easy to use

No credit check, under one minute to sign up, and all made possible by trusted integrations with TPC: Paydays Made Easy.

Incredible Support

We maintain a live-chat response time of five minutes.

For Employers

Reduce Stress

38% of employees say financial stress is a distraction for them at work. Reducing financial stress minimizes distraction, reduces absenteeism and improves employee wellness.

Increase Productivity

By allowing your employees to access part of their paycheck when they need it, they gain control over their finances between paydays. This can help them avoid costly alternatives like overdraft fees and predatory loan products. 

Retain and Recruit

25% of employees use our services. Employees are now asking if employers have Wages On-Demand as part of on-boarding. Put AdvanceNOW powered by ZayZoon in your job postings.

More Questions?

  • So, Isn't this just a payday loan?

    No. ZayZoon does not charge interest and does not place debt on you. ZayZoon simply provides employees access to their earned wages early.

  • How much does it cost?

    ZayZoon charges a flat fee of $5 to access up to $200 of your earned wages at a time.

  • How long does it take to receive money?

    When you set up your account, there are a few different ways for us to send you money. If you have a debit card or supported pay card funds can be transferred in near real-time 24/7/365. If you choose the bank account direct deposit option, it can take up to 1-2 days.

  • When do I need to pay ZayZoon back?

    Funds are automatically shown from your paycheck on your next payday.

  • How is my available limit calculated?

    Your available limit is based on your already earned, but unpaid wages.

  • Is my information safe?

    We make security a priority at ZayZoon. Our website uses 256-bit encryption to protect the privacy and security of your information. The same security your online banking offers you.

  • How long does it take to sign-up and access funds.

    If you send us a proper image of a government issued ID, you can set up your account in minutes.

  • What if I took money by accident?

    Mistakes happen! Maybe you got excited with how simple the process to access your money was and accidentally clicked submit? No worries. Contact our support staff and we can work on reversing the advance.