Your available balance is the amount you can access through ZayZoon — it is a percentage of your average historical take-home (net) pay. It is not based on your gross hourly rate or today's exact hours. You can see all the factors that make up your balance on your My Balance page.

Tax deductions, bonuses, paid time off, vacation, parental/medical leave, and sick days do not count towards your available balance. Only your net (after-tax, after-deductions) earnings are used to calculate how much you can access.

To find your My Balance page:

The Current tab on your My Balance page shows all transactions used to calculate your balance — including earnings received, payouts taken, and repayments made. Your available balance grows as earnings are added and decreases each time you take a payout.

The exact amount available can vary as ZayZoon receives updated payroll data from your employer, which is why your balance may sometimes look a little higher or lower than what you saw last time.

For salaried employees, ZayZoon receives your payroll data on pay day. To allow access to a portion before payday, your balance grows through a Daily Balance Increase. This increase is calculated based on your average take-home pay from your historical earnings over time. The exact amount of each increase can vary as ZayZoon receives more information from your payroll provider.

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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.

For hourly or independent workers, your balance grows when ZayZoon receives data on shifts you've worked. Your shift earnings are calculated based on a portion of your historical average wages. The hourly rate shown on your My Balance page will differ from your actual hourly rate and can change between pay periods as your historical average is recalculated to account for new earnings.

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It can take up to 2 business days for shift data to sync from your payroll provider.

Just like salaried accounts, your available balance increases as ZayZoon receives data and decreases each time you take a payout.

When you get paid:

If any payouts weren't fully repaid, your balance may remain at zero until your balance exceeds the owed amount.

If you took payouts close to your payroll's cut off date, the repayments may not have been processed by payroll.

This results in a balance rollover, where your available balance will be lower due to your previous payouts. The amount isn't overdue, as it's scheduled for the next pay period, but your available balance will be impacted. You'll still be accruing wages, but they'll need to be greater than the amount that needs to be repaid.

If your payouts are overdue, you won’t be able to take more until:

Tax deductions, bonuses, paid time off, vacation, parental/medical leave, and sick days do not count towards your available balance. Only your net (after-tax) earnings are included in the calculation.

If your payouts from a previous period exceed your current available wages, your accessible balance will show $0 until your accrued wages grow past the outstanding amount.

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.

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.

Your per-day or per-shift access amount is recalculated each pay period using your most recent paycheck. If your last check was lower than usual, your new access rate will be lower too, even if you're working the same schedule.

This happens because ZayZoon divides your last net (after-tax) paycheck by the number of days or hours in that pay period to set your rate. A smaller paycheck directly lowers the per-day or per-shift amount available in the next period.

Your access amount will typically recover once your next regular paycheck — reflecting your normal hours — is processed.

Your My Balance page shows the wages your employer has reported for the current period. Your payout screen shows how much you can actually access — which is a portion of what you've earned, after accounting for any outstanding payouts already taken. These two numbers will not always match.

If your payout screen shows $0 but your My Balance page shows recent earnings, check your Activity page for any outstanding payouts. Once your new earnings exceed your outstanding balance (and the $20 minimum), you'll be able to take another payout.

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.