Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 7 companies across 2 categories.
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Founded 2014 in Calgary as a pure-play earned wage access provider charging employees a flat $5 per transaction. Has expanded from EWA into adjacent financial-wellness products including a VISA prepaid card (to offer fee-free payouts), a Perks/discount marketplace, and a Rewards & Recognition tool. Distribution strategy is heavily channel-led — embedded into payroll/HCM platforms (ADP, isolved, Execupay, EBC HCM/Asure) rather than direct employer sales.
Other EWA providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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<img src="https://www.embeddedfinanceindex.com/api/badge/zayzoon/install" width="1" height="1" alt="" style="display:none">7 companies disclose ZayZoon in their stack in the Embedded Finance Index 2026, including Exact, Iris, ADP, Wendys, Scotiabank, Country Fair and Right At Home.
ZayZoon is an embedded-finance provider in Payroll and EWA. It ranks #5 of 11 EWA providers by disclosed buyers.
The most-disclosed EWA alternatives to ZayZoon are Clair (11 buyers), DailyPay (10 buyers), Stripe (8 buyers), Branch (7 buyers), Tapcheck (3 buyers) and Gusto Embedded (2 buyers).
ZayZoon was founded by Darcy Tuer and is founded in 2014, headquartered in Calgary, AB, Canada (with US HQ in Scottsdale, AZ).
ZayZoon has raised $103.7M in total.
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