ZayZoon
Embedded earned wage access for SMBs with 300+ payroll integrations and HCM partner program.
Overview
ZayZoon is a Calgary-headquartered Earned Wage Access (EWA) provider focused on small and mid-sized businesses (SMBs) — a segment historically underserved by larger US-focused EWA providers that prioritize Fortune 1000 employers. ZayZoon integrates with 300+ payroll, HRIS, and time-and-attendance systems and offers a robust white-label embedded program ("ZayZoon for Partners") that lets HCM and payroll providers embed wage access directly into their products. Notable embedded partners include ADP (2023 Partner of the Year), iSolved, PrismHR, IRIS, Auris, and Scotiabank. The end-employee experience is a flat $5 per transfer; employers pay $0; partner economics are opaque revenue share. ZayZoon has expanded beyond pure EWA into broader workplace financial wellness, including financial education content. The structure is non-recourse: ZayZoon advances wages employees have already earned, repaid via the next payroll deduction. The platform serves the US and Canadian markets. Notable employer customers include McDonald's franchisees, Choice Hotels franchisees, and Country Fair. Founded in 2014 in Calgary by Tate Hackert (CSO), Darcy Tuer (CEO), and Jamie Ha. Total Series B funding reached $67M ($34.5M initial round in August 2023 led by Framework Venture Partners with Viola Fintech, Intuit Ventures, and Export Development Canada; $15M Series B extension in March 2024). The company is SOC 2 Type II certified. Pricing for platform partners is opaque/custom.
Key features
- Earned wage access for SMB employees
- ZayZoon for Partners (HCM embedded program)
- 300+ payroll/HCM/timekeeping integrations
- Flat $5 employee fee per transfer
- Workplace financial wellness content
- ADP 2023 Partner of the Year
Vertical focus
restaurants, hospitality, retail, healthcare, saas
Notable customers
ADP, iSolved, PrismHR, McDonald's (franchisees), Choice Hotels (franchisees)
At a glance
| Category | ewa |
|---|---|
| Model | ["api","white_label","managed_service"] |
| Pricing | ["transaction_fee","revenue_share","custom"] |
| Revenue share | Flat $5 employee fee per transfer; partner revenue share opaque |
| Best company size | ["smb","mid_market"] |
| Time to launch | weeks |
| Technical complexity | medium |
| PCI scope | minimal |
| Founded | 2014 |
| Funding stage | series_b |
| Website | https://zayzoon.com |
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