We understand how important it is to access your funds when you need them.

If you’re unable to take a payout, don’t worry—here are some common reasons why this might happen and what you can do.

ZayZoon estimates your available balance based on past earnings. As a new hire, your account won’t reflect an available balance until after your first paycheck is received.

While you wait:

If your account is disabled, you won't be able to take more payouts. Learn more about disabled accounts.

To encourage financial wellness, ZayZoon applies limits on how much you can access between pay periods. These limits reset at different periods.

While you wait for a reset, use this time to explore:

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This can happen if:

🔍 Check your Activity page to review any outstanding repayments.

If you withdrew funds after your employer processed payroll, those payouts may roll over to your next cycle, reducing your current balance.

Your My Balance page will update regularly through “Daily Balance Increases” or “Shifts Added,” depending on your account.

Sometimes repayments become overdue due to:

You may be able to repay your balance manually* to restore payout access.

If you recently changed your payroll provider or employer, data transfer delays might prevent your recent hours or earnings from showing in the app. For payroll provider changes, allow for up to two business days for updates. If you’ve changed employers, make sure to update your payroll details in the ZayZoon app by selecting “Update Payroll” and entering your new Company ID and Employee ID. Contact ZayZoon support if issues persist.

ZayZoon requires users to have a minimum payout threshold of $20. If your available wages are below this threshold or recent work hours haven’t been updated, you may not be able to take a payout immediately.

Your available balance depends on payroll data shared by your employer.

If that data is incomplete or missing, you may see one of these messages when trying to take a payout:

When this happens, payouts may be paused temporarily to avoid overdrawing. Additionally, certain earnings like holiday pay and bonus pay are not counted toward your available balance. Ensure that ZayZoon has access to up-to-date payroll data, and consider uploading recent pay stubs if necessary to avoid delays in payout calculations.

Additionally, certain pay types such as holiday pay, bonuses, or vacation pay do not contribute to "Available Wages" because they fall outside regular earnings used for balance calculations.

What you can do:

ZayZoon requires recent payroll data to calculate your balance. If you’ve been on vacation, parental, or medical leave, your balance may not update right away.

Your balance will refresh on payday or when new payroll data is received—whichever comes first.

Customers under 18 can only access one payout per pay period to help support healthy spending habits.

In the meantime:
​Refer a coworker to earn a credit, or wait until your next payday.

If you can’t take a payout, there’s usually a simple reason—and often a quick fix.

While you wait, remember you can always: