When you take a payout, ZayZoon informs your payroll provider of the amount owed. Deductions are typically processed on your next payday.
Below are answers to the most common questions about repayment timing, amounts, and what to expect.
Why did ZayZoon take my repayment early?
The repayment date shown in your app is listed as "On or Before" — this is an estimate based on your employer’s payroll schedule.
Your employer or payroll provider processes your repayment directly through payroll. That means your repayment might be deducted before the estimated date, depending on how and when payroll is run.
ZayZoon doesn’t directly take funds from your account — we receive payroll data after it’s processed and update your repayment info automatically.
Check your Activity page for a breakdown.
Can I delay or move my repayment?
Repayments are processed by your payroll provider, so ZayZoon cannot change when repayments are made (or how much is deducted from a paycheck).
Please note that each payroll provider and each employer have their own processing timelines, which may impact exact repayment dates. If you’re unsure whether payroll has been run, your paystub date is the best reference.
Can I set up a payment plan or pay in installments?
ZayZoon gives you access to your earned wages. We're not a loan, so we don't offer installment or payment plans.
This helps us provide early wage access without interest or credit impact.
If your account is Overdue, you may be able to repay the Overdue amount in partial or lump sum amounts to reaccess your payouts.
Why was more money deducted than expected?
If too much was deducted, or a duplicate repayment occurred, don’t worry — ZayZoon automatically reviews repayments and will credit your account if there's an issue.
Credits are processed within 48 hours.
You’ll get an email as soon as the credit is available, and you’ll be able to claim it immediately in the app.
If you don’t see a credit or have questions about a repayment, please send a copy of your paystub to our Customer Care Team through live chat in the app.
If you notice deductions for payouts you don't recognize, please report this to a live agent of the ZayZoon Customer Care team through chat or at support@zayzoon.com.
Why was no repayment taken from my paycheck?
If you took a payout right before or after a payroll cut-off, your repayment may be deferred to the next pay cycle.
Repayments will automatically be deducted from the next paycheck instead.
If this causes your account to become Overdue, you may be able to repay the Overdue amount manually to reaccess payouts.