The algorithm uses the historical pay data to determine what an employee’s assumed net income will be, gives up to 50% of that per pay period, but it is earned over time. For hourly employees or contractors/1099s, ZayZoon calculates the available balance by:
Receiving their last paycheck data (after tax deductions)
Dividing their take home pay by the amount of hours for that pay period
Providing a portion of that to access (estimated hourly wage)
In most cases, this means they’ll have access to a portion of their previous paycheck data in this pay period, and that portion increases each day.
Available balance will decrease with each payout an employee takes. I am including an article from our Help Centre here: How much money can I access for a payout?