ZayZoon uses a proprietary algorithm to calculate your estimated average wages (based on your historical earnings) and provides a portion of that for you to access.
This portion provides flexibility to cover unexpected expenses while ensuring you have money coming in, which can help with budgeting and preventing overspending.
Your available balance is calculated based on:
your historical net earnings (take-home pay),
how often your payroll data is received
Salaried employees
Daily Balance Increase
If you're salaried, ZayZoon generally calculates your daily balance based on your average daily net wages.
We:
Receive your last paycheck (after taxes)
Divide it by the number of days in the pay period
Recalculate your historical average
Make a portion of that available to you each day
Your available balance increases daily, and decreases with each payout you take.
Some salaried accounts may be calculated based on Shifts Worked - Check your My Balance page to be sure.
Hourly employees or contractors
Shifts Worked/Hours Added
If you're an hourly or contractor worker, we generally base your balance on your average net hourly wage and your recent attendance data.
We:
Receive your last paycheck (after taxes)
Divide it by the number of hours worked
Recalculate your historical average
Provide a portion of that based on recent hours or shifts
If your account updates by Shifts Worked, your available balance will update shortly after we receive new attendance data. It can take up to 2 business days after your shift for attendance data to sync.
Just like salaried accounts, your balance increases as we get new data and decreases when you take payouts.
Some hourly/contactor accounts may be calculated based on Daily Balance Increase - check your My Balance page to be sure.
On Payday
When you get paid:
Your payouts are repaid when payroll processes your paycheck
Your available balance resets based on the new pay period
If any payouts weren't fully repaid, your balance may remain at zero until your balance exceeds the owed amount.
If your payouts are overdue, you won’t be able to take more until:
You make a manual repayment, or
Your next payday automatically resets your balance
Frequently Asked Questions
What earnings don’t count toward my available balance?
Not all wages count towards your available balance. Learn more about excluded wages calculation.
Why is My Balance at $0 even with daily increases?
You may owe a larger amount from your previous payouts - especially if you took one close to payday.
Check your Activities page for any outstanding repayments.
Once your available balance is greater than the owed amounts (and the $20 payout minimum), you'll be able to take a payout.
Do payouts near payday apply to the current cycle?
Payouts taken right before payday usually apply to your next pay cycle.
An estimated repayment date will show on your Activities page, but this can vary depending on payroll processing timelines.
Can I manually repay an overdue balance?
In some cases, yes. If you're eligible, you’ll see a manual repayment option in the app. Note: This option isn't available for weekly pay cycles.
How do repayments work?
When you take a payout, ZayZoon notifies your payroll provider. The repayment is then deducted from your paycheck when payroll is run.
ZayZoon does not process payroll, hold your paycheck, or garnish wages—we simply coordinate with your employer to ensure repayments are handled through regular payroll.