generated: '2026-09-05'
method: searched
source: https://www.zayzoon.com/usaterms
note: >-
  ZayZoon publishes no API plans, developer tiers or metered API pricing — there is no
  public developer program to price. What it does publish, in the USA Terms of Service,
  is the consumer-facing fee schedule for the Earned Wage Access product plus the
  employer-side commercial model. Those are recorded here because they are the only
  published, machine-checkable price points for the service. API access itself is
  arranged through the partner program with no published price.
api_plans_published: false
plan_count: 3
currency: USD
billing_model: per-transaction processing fee, no subscription
employer_pricing:
  price: 0
  detail: >-
    "No cost for employers" — stated in the site meta description and throughout the
    employer pages; setup is described as free and under 30 minutes.
  source: https://www.zayzoon.com/
plans:
- name: Near Instant Transfer
  description: >-
    Expedited payout of earned wages, including transfers via Venmo and Zelle. Usually
    arrives in under five minutes.
  price: null
  price_max: 5.00
  currency: USD
  period: per transfer
  quota: null
  note: >-
    "The Near Instant Transfer fee will not exceed $5 per transfer." The Processing Fee is
    flat and does not vary with the amount requested, and the exact fee is displayed in the
    ZayZoon app before the transaction is authorized.
  source: https://www.zayzoon.com/usaterms
- name: Boost
  description: Earned wages taken as an Instant Gift Card, with a bonus of up to 25%.
  price: 0.00
  currency: USD
  period: per transfer
  note: Designated a "Fee-Free Transaction" in the USA Terms of Service.
  source: https://www.zayzoon.com/usaterms
- name: ZayZoon Visa Prepaid Card
  description: Earned wages loaded onto the ZayZoon Visa prepaid card.
  price: 0.00
  currency: USD
  period: per transfer
  note: Listed at $0 in the Processing Fee range table in the USA Terms of Service.
  source: https://www.zayzoon.com/usaterms
regional_variations:
- jurisdiction: Connecticut, USA
  detail: >-
    "Connecticut consumers will incur a fee of $4 for the expedited transfers, but may only
    receive one such Payout each pay period."
  price: 4.00
  currency: USD
  source: https://www.zayzoon.com/usaterms
- jurisdiction: Canada
  detail: >-
    Canadian program terms are published separately at ca.zayzoon.com/ca-terms; the fee
    table above is the USA schedule and should not be read as applying in Canada.
  source: https://ca.zayzoon.com/ca-terms
terms:
- No cancellation fee.
- No subscription fee.
- '"There are no additional fees for using the ZayZoon Services."'
- Fees may be waived for promotions, referrals, or where the employer elects to pay.
- ZayZoon always offers at least one fee-free route to earned wages.
checked: '2026-09-05'