Enterprise-grade solutions with personalized support.
Learn more
We focus on growing businesses because they are the main engine of the US economy.
Learn More
We are a technology and service company that puts people first in everything we do.
Learn More
Enterprise HCM software and services for growing businesses.
Learn More
How CAVU Human Capital Management helped Risinger* pave a path to growth
Learn More
CAVU HCM gives Riverfront the cost-effective, simple payroll solution they need.
Learn More

Provide Your Employees with Easier and Faster Access to Their Earnings

Give your employees instant control over their income with CAVU HCM's Earned Wage Access – powered by ZayZoon

ZayZoon 4

Introducing ZayZoon

ZayZoon gives employees instant access to their earned Wages On-Demand. This leading pay solution reduces financial pressure related to cash flow shortfall between paychecks.

Available at no cost to the employer, ZayZoon not only offers Wages On-Demand but also access to their financial wellness platform, ZayU.

Offering early wage access with ZayZoon improves retention, reduces employee stress, and saves your business thousands in hiring costs.

The ZayZoon Advantage

Employees are often preoccupied by financial stress, and businesses need a way to stand out from competitors. ZayZoon provides employees early access to their earned wages, bringing flexibility, convenience and speed to payroll that impacts both the lives of workers and the bottom line of your business.

  • 81% of ZayZoon customers who indicated needed their payouts for necessities like groceries and medicine
  • 78% of employees live paycheck to paycheck
  • 38% of employees who report being distracted at work because of their finances
  • $702 is the average amount of money an employee keeps in their pocket each year by using ZayZoon to avoid payday loans, overdraft and unnecessary fees
ZayZoon 1

Wages On-Demand

Accessible from any smartphone or computer, ZayZoon offers:

  • Funds sent directly to employees, instantly, 24/7/365
  • $5 flat fee
  • No credit check
  • ZayZoon is fully integrated into CAVU HCM, which means no manual processing or file uploads.
  • Wage advances are funded entirely by ZayZoon, eliminating your financial risk and capital disruption.

How ZayZoon Works

ZayZoon allows employees to instantly access their earned wages on-demand. It's a voluntary benefit that reduces financial stress related to cash flow shortfall between paychecks. Improve retention, increase productivity and benefit from a more engaged workforce.


Payroll and HCM data is securely exchanged with ZayZoon’s systems to allow employees to securely create an account and to calculate earned wages available.


ZayZoon funds all early wage requests. There is no risk or liability to the employer. Funds are automatically recovered on the next payroll cycle.


ZayZoon handles all employee support. There is no additional overhead for the employer to manage the program.


The service is employee paid, or employers can choose to help subsidize the benefit.

Earned Wage Access Facts


68% of employees feel that personal financial issues affect their health

Financial options give you real-world options. They can reduce and potentially eliminate stress and start living a better life. ZayZoon's Earned Wage Access is one of those solutions. 89% of employees report that ZayZoon reduces their financial stress noticeably. Read more: It's not 'just' stress: how your finances affect your health


79% of Workers Are Willing to Switch to a Company That Offers Earned Wage Access

Providing benefits tailored to the current needs and situations of workers is a more robust plan. Shortening the pay cycle, thus giving access to funds quicker. Read More: Are your existing benefits enough? The right way to attract the best employees


4.9/5 Average Customer Success Rating

As ZayZoon was looking to build out their team, it was important to have members that embody their core values; Trust, Mastery, Hustle and People Driven. Being able to treat customer inquiries with urgency and care is a delicate balance. Read more: Listening to your Customers: The Path to Success


89% of Workers Stay Longer at a Company That Offers Earned Wage Access

Doing anything within your power to keep these employees satisfied is very important in maximizing effectiveness. Especially since, if not managed properly, this can result in low morale amongst your employees which, in the long run, indirectly ends up costing you more money than it makes you.  Read More: Retaining Modern Day Employees


57% of Americans Don't Have $500 to Cover Unexpected Expenses

Credit Cards can be extremely beneficial when it comes to buying things you need and/or building up credit with banks for a potential mortgage one day. However, spending money that isn’t yours is a slippery slope for some, this can bloom into some terrible spending habits that could live on to haunt you for a very long time. The key to credit card usage is to never live above your means and to make sure you’ll be able to pay back what you’ve borrowed on time to avoid unnecessary fees. Read more: The financial snowball effect: How do we stop it?


What do Wages on Demand customers say?

Explore all the ZayZoon Power
Give employees the ability to access a portion of their earned wages before payday, alleviating financial burden between paychecks.