Access your paycheque sooner

ZayZoon provides access up to $1000 whenever you need it. Built right into PayChequer.

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Let’s Get Started

No Credit Check. No Application to fill out.

Join Thousands of Happy PaymentEvolution Customers

A ZayZoon advance is the most responsible short-term cash option for PayChequer Customers.


  • You can access up to $1000
  • No Application to fill out and No Credit Check
  • Money is deposited directly into your bank account
  • Low Cost, 80% less than the bad guys

ZayZoon is created with you in mind.

Short-term cash advances built right into your PayChequer portal.

No Debt

They are your hours; cash them in. Our payroll-integrated service means that you can access your hours before payday, never taking on any debt in the process.

80% Less than a Payday Loan

ZayZoon likes to keep the fees low, and keep you flush. The cost of accessing ZayZoon is 16 cents/$100/day.

Easy to Use

Choose how much money to access and click submit & that’s it. Don’t worry about remembering when to pay us back — money is automatically debited from your account according to the payment terms you select.

You’re in Control

You choose how much you would like to access and with features like My Account, you can always see your Advance status and history.

You’re Safe

Bank-level security encryption standards ensure your data security and privacy are of the highest importance.

Join Thousands of PayChequer Users

I was surprised how easy and low cost the service was and how many of our employees were interested in a service like Zayzoon

Neema Hospitality
Sandeep Thakrar, President

Our partner licensees and their employer clients are incredibly happy with our choice to include ZayZoon as a payroll add-on. At Execupay we are obsessed with providing our clients the most innovative payroll and human capital management solution. With stats like 78 percent of Americans living paycheck to paycheck, we recognize ZayZoon as a financial wellness solution that all employers should have.

Execupay
Gerald Stowers, CEO

Employers do not want to be in the pay advance business but they sometimes find themselves in this position because a good employee needs a little help. ZayZoon is a no brainer! It gives the employee access to the wages they have earned anytime they need it and the employer doesn’t have to do a thing.

Payroll Plus
Mark Goodman, Client Services Director

ZayZoon is truly one of the best partnerships we have ever had at Journey!  Thank you for helping our clients with our fantastic partnership.

Journey Employer Solutions
Kevin Welch, CEO

Frequently Asked Questions

  • Who can use ZayZoon?

    ZayZoon works for Canadian residents who are part of our payroll network. Not sure if that’s you? Contact us to find out. To use our services you must:

    • Be a Canadian Resident ‎
    • Be at least 18 years old
    • Be apart of our payroll network
    • Be paid by direct deposit to your bank account

  • How do I get started?

    Simply sign-up by providing your name, email and a password! To streamline the verification process and have the ability to access your funds from ZayZoon, fill out your personal information as well as your banking info at the same time. Don’t have all your information handy? No problem, you can skip these steps and fill them out at a later time by visiting the ‘My Account’ page! For employees with access to ZayZoon through their payroll self-service portal, the banking step is already done for you!

  • What are the fees?

    Minimal. ZayZoon likes to keep the fees low, and keep you flush. The cost of accessing ZayZoon is 16 cents/$100/day. Example: You are paid bi-weekly and are being paid on the 1st and 15th of each month. It is the 10th and you decide to take $100 from your ZayZoon account. You will pay the advance back on your payday after next or in this case, the 1st. assuming a 30 day month, you will have had the $100 advance for 21 days and it would have cost you $3.36.

  • 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 verify my account?

    Some accounts are verified instantly. For others, it may take up to 2 business days. For employees with access to ZayZoon through their payroll self-service portal, your account is already verified!

  • How long until I see money in my account?

    In some cases, money will be in your account within minutes. We are working towards instant transactions for everyone. For the majority of ZayZoon customers, money will arrive within 24 hours. If you request an advance on a Friday, it may not reach you until Monday. Contact support about any questions you may have.

  • What if I created an Advance my mistake?

    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.

  • What are the terms of the ZayZoon Advance?

    ZayZoon gives you a little bit more time than the other guys to pay back your advance. You have up to 90 days to pay back the Advance.