Paper Trails adds ZayZoon to their clients benefit offerings

Running a small business comes with its share of challenges. Small businesses owners and HR managers like you are juggling payroll, compliance, and keeping your employees happy. It’s overwhelming, to say the least. At Paper Trails, we understand these headaches all too well because supporting small businesses like yours is at the core of what we do. That’s why we’re excited to share a powerful new tool with our clients to ease some of these burdens: ZayZoon.

In this article, you’ll learn what ZayZoon is, how it provides earned wage access to employees, and why this feature is a game-changer for both employees and employers. We’ll also walk you through the benefits of ZayZoon, how our clients and their employees can use it, and its seamless integration into your payroll process. Let’s dive in.

What is earned wage access?

Earned wage access (EWA) allows employees to access wages they’ve already earned before their official payday. Instead of waiting for pay day, sometimes almost two weeks, to get paid, workers can request a portion of their pay—instantly and on-demand.

Think of it as taking control over your paycheck. For employees, earned wage access eliminates the need to rely on high-interest payday loans or rack up overdraft fees when an emergency arises. It’s a modern solution for modern challenges and one that’s becoming increasingly popular across industries.

Why is earned wage access important?

Let’s face it: most people live paycheck to paycheck. Studies show that nearly 78% of Americans find themselves in this situation, making it difficult to handle surprise expenses like car repairs or medical bills. When these challenges arise, employees often turn to expensive financial tools like payday loans, credit cards, or overdraft protections—all of which can spiral into deeper financial trouble.

Earned wage access provides a lifeline. By giving employees the ability to manage their cash flow and avoid unnecessary fees, accessing wages early helps reduce financial stress. And when employees aren’t stressed about money? They’re happier, healthier, and more engaged at work.

For employers, this translates into tangible benefits. Offering earned wage access can:

• Boost productivity
• Improve employee morale
• Reduce turnover rates
• Make your workplace more appealing to job seekers

In short, earned wage access isn’t just a nice-to-have perk—it’s a strategic tool for attracting and retaining top talent.

What is ZayZoon?

ZayZoon is a financial wellness platform that empowers employees by giving them early access to their earned wages. Through its easy-to-use interface and integration with payroll systems like the one you already use with Paper Trails, ZayZoon bridges the gap between paydays.  Our clients and their employees now have access to the ZayZoon platform through isolved People Cloud.

Zayzoon is designed to tackle a significant pain point faced by today’s workforce—unexpected financial stress. Employees can access a portion of their earnings instantly, providing them with the flexibility to cover emergency expenses, avoid payday loans, and maintain financial stability. Best of all, this benefit costs nothing for employers and comes with no administrative work, making it a win-win for businesses and their teams.

What are the benefits of using ZayZoon?

When you implement ZayZoon through Paper Trails, you’re equipping your business with a powerful benefit that makes life better for your employees and easier for you. Here’s how:

1. Employee Empowerment

ZayZoon enables employees to take control of their finances. Instead of worrying about how to cover unexpected expenses, they can focus on doing their best at work. It’s a practical way to show your employees you care about their well-being.

2. Nothing for Employers to do

For small businesses, margins can be tight. ZayZoon is completely free for employers to offer, with no risk or liability. You don’t need to change your payroll process, and ZayZoon handles all the financial logistics and support. Any advancements taken by employees is automatically deducted from the next payroll!

3. Improved Retention

Employees are 29% less likely to leave their jobs when they have access to earned wages. With ZayZoon, you can reduce turnover, lower hiring costs, and retain top performers.

4. Recruitment Advantage

In a competitive job market, benefits like earned wage access make a big difference. In fact, 79% of employees say they would switch to a company offering ZayZoon. Offering this benefit can make your business stand out as an employer of choice.

5. Financial Wellness Tools

Beyond just early access to paychecks, ZayZoon provides financial education and predictive tools to help employees manage their money. This holistic approach fosters long-term financial stability.

How does an employee use ZayZoon?

Using ZayZoon is straightforward and intuitive. Here’s how employees can get started:

1. Sign Up: Employees follow simple instructions provided by their employer or payroll provider. They’ll need to verify their identity with a photo ID and connect their earnings data through the payroll system. This process takes about five minutes.
2. Access Funds: Through the ZayZoon platform—either on desktop or the isolved People Could app—employees can decide how much of their wages to access (up to $200 per day or 50% of their net earnings for the pay period). They can choose to deposit the funds into their bank account, load it onto a debit card, or even opt for a Boost Gift Card.
3. Repayment: Funds are automatically deducted from the employee’s paycheck on their next payday. ZayZoon ensures a seamless and worry-free repayment process.

With ZayZoon, employees gain instant, stress-free access to their money when they need it most.

How does ZayZoon impact an employer’s payroll?

One of the best things about ZayZoon is how smoothly it integrates into your payroll process. As an employer, here’s what you need to know:

1. No Changes to Your Workflow: You’ll continue running payroll just as you always have with Paper Trails. Any advances taken by employees will be automatically deducted on the next payroll cycle. ZayZoon works behind the scenes, so there’s no additional administrative burden on your team.
2. Fund Management: ZayZoon takes care of funding the wage advances, eliminating any financial risks or liabilities for your business.
3. Employee Support: There is 24/7 customer support for employees, meaning your HR and payroll teams won’t have to spend time fielding questions or troubleshooting issues.

In short, ZayZoon is designed to make life easier for you as an employer. It’s a hands-off solution that delivers meaningful benefits to your team without adding complexity to your payroll operations.

Conclusion

At Paper Trails, we’re always looking for ways to ease the burdens of payroll, HR, and compliance for small businesses. By partnering with ZayZoon, we’re proud to offer our clients a simple, cost-free way to empower their employees and strengthen their businesses. If you’re ready to learn more about how ZayZoon and Paper Trails can make a difference for your team, don’t hesitate to reach out. Together, we can create a workplace that’s happier, healthier, and more productive for everyone.