Why is my account Overdue?
If your account shows an Overdue status, it means a scheduled automatic repayment for one or more ZayZoon payouts wasn’t paid in full through your last paycheck.
Repayments are handled through your employer’s payroll, and timing can vary. Your account might become overdue if:
You took a payout after payroll was already processed, or
Payroll processing timelines or deductions changed unexpectedly
In these cases, the repayment is simply pushed to your next paycheck.
What happens when my account is Overdue?
When your account is Overdue:
Payouts are temporarily disabled
In some cases, you may see an option to manually repay the overdue amount — this lets you restore access before your next payday
If no manual repayment option is available, the overdue balance will be automatically deducted from your next paycheck
Tip: You can check your Activity page to see which payout is marked as overdue.
Are there Fees or Interest on Overdue accounts?
Nope — there are no extra fees, penalties, or interest if your account becomes overdue.
ZayZoon is designed to give you flexible access to your earned wages — without high fees, interest, or impact to your credit.
The only fee that would apply is the transaction fee for certain wallet options. For a full list of wallets and fees, check out this article.
Will my Overdue status affect my Credit Rating?
No — ZayZoon is not connected to any credit bureau, and your activity with us has no impact on your credit score.
That said, many customers use early wage access to stay on top of bills, avoid overdraft fees, or pay down credit cards sooner — which can help support a healthier financial routine and improve credit over time.
ZayZoon is here to offer flexibility and help you avoid the cycle of high-interest lending products like payday loans or late fees.
You have access to Free Learnings and Financial Education through ZayZoon - start exploring the app now!
Why is my account overdue if I'm not making repayments directly?
We totally understand how this can be confusing. ZayZoon repayments are automatically processed through your employer’s payroll, so you don't make repayments yourself.
Each employer and payroll provider has different timelines and cut-off periods, so sometimes a repayment doesn’t get deducted from paycheck you expected.
This can happen if:
Your payout was requested after payroll was processed, or
Your employer made changes to payroll timing or deductions
When that happens, the repayment is deferred to your next paycheck, and your account may temporarily show as Overdue.
➡️ Good to know:
You haven’t done anything wrong — it just means we’re still waiting on repayment through payroll.
We temporarily pause new payouts during this time to protect your future wages. That way, we avoid stacking multiple repayments onto a single paycheck, which could leave you with less take-home pay than expected. and we want to make sure your future wages are protected.
You’ll may be able to repay the overdue amount manually if you'd like to re-access ZayZoon before your next pay date.