aid: zayzoon
name: ZayZoon
description: 'ZayZoon is an Earned Wage Access (EWA) and financial-wellness provider,
  founded in 2014 with offices in Calgary, Alberta and Scottsdale, Arizona, that lets
  employees of participating businesses draw a portion of already-earned wages before
  payday. The product is distributed through payroll, PEO and HCM platforms — ZayZoon
  advertises 300+ payroll and HCM integrations and is listed on the ADP Marketplace,
  isolved Network, AllianceHCM, PrismHR, Paylocity and Execupay — and is free for employers,
  with employees paying a flat per-transfer processing fee or choosing a fee-free option
  (Boost gift cards, ZayZoon Visa prepaid card). ZayZoon operates a partner API used
  by payroll providers to exchange employee, hours-worked and deduction data, but it
  publishes no public developer portal, API reference or machine-readable specification;
  access is arranged through the partner program. NMLS ID 2635812.'
image: https://www.zayzoon.com/hubfs/Featured_ZayZoon.png
url: https://raw.githubusercontent.com/api-evangelist/zayzoon/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
x-tier: profiled
x-tier-reason: enrichment-pass
specificationVersion: '0.20'
created: '2026-09-05'
modified: '2026-09-05'
tags:
- Company
- Earned Wage Access
- On-Demand Pay
- Payroll
- Human Resources
- Employee Benefits
- Financial Wellness
- Fintech
- Payments
- Embedded Finance
position: Producing
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.zayzoon.com/
  name: ZayZoon
- type: SignUp
  url: https://app.zayzoon.com/customers/sign_up
  name: Sign Up
- type: Login
  url: https://app.zayzoon.com/customers/sign_in
  name: Log In
- type: Support
  url: https://www.zayzoon.com/employer/help-center
  name: Employer Help Center
- type: Blog
  url: https://www.zayzoon.com/blog
  name: ZayZoon Blog
- type: BlogRSS
  url: https://www.zayzoon.com/blog/rss.xml
  name: ZayZoon Blog RSS
- type: Newsroom
  url: https://www.zayzoon.com/press
  name: Newsroom
- type: TermsOfService
  url: https://www.zayzoon.com/usaterms
  name: USA Terms of Service
- type: PrivacyPolicy
  url: https://www.zayzoon.com/usaprivacy
  name: USA Privacy Policy
- type: Security
  url: https://www.zayzoon.com/security
  name: ZayZoon Security Program
- type: TrustCenter
  url: security/zayzoon-trust-center.yml
  name: ZayZoon Trust Center (Vanta)
- type: Compliance
  url: conformance/zayzoon-conformance.yml
  name: Compliance and Standards Conformance
- type: Conformance
  url: conformance/zayzoon-conformance.yml
  name: Conformance Assertions
- type: VulnerabilityDisclosure
  url: security/zayzoon-vulnerability-disclosure.yml
  name: Vulnerability Disclosure
- type: DomainSecurity
  url: security/zayzoon-domain-security.yml
  name: Domain Security Probe
- type: Plans
  url: plans/zayzoon-plans-pricing.yml
  name: Fees and Pricing
- type: RateLimits
  url: rate-limits/zayzoon-rate-limits.yml
  name: Rate Limits
- type: Packages
  url: packages/zayzoon-packages.yml
  name: Client Packages and SDKs
- type: LLMsTxt
  url: llms/zayzoon-llms.txt
  name: llms.txt
x-enrichment:
  date: '2026-09-05'
  status: minimal
  artifacts_added: 9
  pass: local-v3
x-coverage:
  state: gated
  reason: sales-gate
  detail: >-
    ZayZoon runs a real partner API — api.zayzoon.com resolves and its payroll/HCM
    integrations are marketed on its own partner pages — but the only published route to
    it is the "Partner with ZayZoon" inquiry form; there is no developer portal, no API
    reference and no machine-readable contract on any ZayZoon host, and the API host
    itself serves robots.txt "Disallow: /" and redirects anonymous requests to a customer
    sign-in page.
  evidence:
  - url: https://api.zayzoon.com/
    status: 404
  - url: https://api.zayzoon.com/openapi.json
    status: 404
  - url: https://api.zayzoon.com/robots.txt
    status: 200
  - url: https://www.zayzoon.com/partners
    status: 200
  - url: https://info.zayzoon.com/partner-with-zayzoon
    status: 200
  - url: https://developers.zayzoon.com/
    status: 0
  checked: '2026-09-05'