Purpose
Earned Wage Access (EWA) lets employees draw a portion of wages they have already earned before payday. UZIO integrates with three EWA providers: Zayzoon (automated, daily data exchange), PayActiv (file-based), and DailyPay (automated, with net pay routed through a DailyPay account). This article explains how each works, how to get connected, and the payroll-side locks that come with DailyPay enrollment.
Who can do this: Enabling an integration is done by UZIO at your request. Once live, any user whose role includes the Payroll permission sees the effects on pay runs and employee records.
Note: In all three integrations, the employee-facing advance experience (requests, limits, fees) is owned entirely by the EWA provider through its own app. UZIO's role is the payroll data exchange. For Zayzoon and PayActiv, UZIO also applies repayment deductions. For DailyPay, UZIO routes net pay to the employee's DailyPay account.
Zayzoon
| Integration style | Automated. UZIO sends daily data exchanges (payroll plus time and attendance). |
|---|---|
| Employee experience | Advances requested in the Zayzoon app. |
| Repayment into payroll | Zayzoon sends a deductions file to UZIO. UZIO automatically updates employee deductions for the current payroll run. |
| Money movement | Zayzoon collects advance repayments directly from the client's bank account. |
How it works:
- You onboard with Zayzoon and UZIO enables the integration.
- UZIO automatically sends daily payroll and time and attendance data to Zayzoon.
- Employees request advances in the Zayzoon app.
- Zayzoon returns a deductions file. UZIO applies the deductions to the current payroll run automatically.
- Zayzoon collects repayments from your bank account.
Where repayments appear: on the pay run grid and the pay stub as an ordinary deduction line, under the name of the company deduction UZIO created for earned wage access. There is no separate Zayzoon column.
PayActiv
| Integration style | File-based. Employee Demographic and Time and Attendance files via SFTP or API, on an agreed schedule. |
|---|---|
| Employee experience | Advances accessed in the PayActiv app with PayActiv credentials. |
| Repayment into payroll | After each pay period, PayActiv sends you a deductions report. You apply those amounts in UZIO before approving the run. |
| Money movement | PayActiv collects repayments from your bank account via ACH debit, outside UZIO payroll. |
How it works:
- You onboard with PayActiv and UZIO enables the integration.
- UZIO shares demographic and time and attendance files with PayActiv on the agreed schedule.
- Employees access earned wages through the PayActiv app.
- Each pay period, PayActiv sends you a deductions report. Apply the amounts in UZIO for that period.
- PayActiv collects repayments via ACH debit.
Note: The practical difference: Zayzoon's repayment deductions land in your payroll run automatically. PayActiv's arrive as a report you apply each pay period. UZIO Support will confirm the exact import method for your company when the integration is enabled.
DailyPay
| Integration style | Automated. UZIO exchanges enrollment and net-earnings files with DailyPay behind the scenes. Nothing to upload. |
|---|---|
| Employee experience | Employees enroll and take advances in the DailyPay app. Enrollment syncs to UZIO automatically. |
| Money movement | While enrolled, 100% of the employee's net pay routes to their DailyPay account via direct deposit. There is no repayment deduction in your payroll. |
| Enablement | Enabled by UZIO at your request. There is no self-service toggle. |
What changes in your payroll once an employee enrolls:
- Payment method locks. The employee's Payment Method form cannot be edited (the pencil disappears): "Payment method changes are not allowed while DailyPay is active. Saved accounts are paused and resume automatically if DailyPay is cancelled." Their saved bank accounts show a Paused badge and resume automatically on cancellation.
- No checks. An enrolled employee cannot be paid by Check: "This employee is enrolled in DailyPay and must be paid by direct deposit. The payment method cannot be changed to Check while DailyPay is active."
- The payroll grid locks the payment-method cell for DailyPay rows, and payment methods freeze inside an initiated payroll. If you use a check override on a run, a banner warns that DailyPay-enrolled employees are exempt from it: "Payment Method for DailyPay enrolled employees can not be changed."
- Approval is blocked when the run and the enrollment disagree, for example when an employee enrolled or unenrolled after you initiated the run. The fix is to cancel and re-initiate the payroll, or exclude the affected employees and pay them separately. The two verbatim blockers live with the other approval blockers in Troubleshooting: I Can't Start or Approve Payroll.
- Pay stubs carry a footnote for enrolled employees: "Net pay for this paycheck was routed through your DailyPay account per your enrollment. Visit the DailyPay portal for transfer history and details."
Common problems
Why can't I change an employee's payment method?
They are enrolled in DailyPay. The form is locked with "Payment method changes are not allowed while DailyPay is active. Saved accounts are paused and resume automatically if DailyPay is cancelled." You cannot override this. The employee must cancel DailyPay in the DailyPay app for the lock to lift. Their previously saved accounts resume automatically.
Why is my payroll approval blocked over DailyPay?
An employee's DailyPay enrollment changed after the run was initiated, so the run's payment routing is stale. Cancel and re-initiate the payroll to pick up the current enrollment, or exclude the affected employees from this run and pay them separately. The exact messages are in Troubleshooting: I Can't Start or Approve Payroll.
An employee says they were paid by DailyPay but their pay stub looks normal
That is expected. The paycheck calculates normally in UZIO. Only the routing of net pay differs, and the stub carries the DailyPay footnote quoted above. Transfer history lives in the DailyPay portal, not UZIO.
Getting connected
| Your situation | What to do |
|---|---|
| Already a Zayzoon client, moving to UZIO Payroll | The integration must be re-established. Contact UZIO Support once your UZIO account is live. |
| New to Zayzoon | Sign up with Zayzoon directly, then contact UZIO Support to enable the integration. |
| Already a PayActiv client, moving to UZIO Payroll | PayActiv switches its data feed to UZIO once the integration is enabled. Coordinate with PayActiv directly and ask UZIO Support to enable the UZIO side. |
| New to PayActiv | Sign up with PayActiv directly, then contact UZIO Support to enable the integration. |
| Enabling DailyPay | Sign up with DailyPay, then contact UZIO Support to enable it for your company. Employee enrollments sync automatically once live. |
Still stuck?
To enable, re-establish, or disconnect any of these integrations, please reach out to us at support@uzio.com or call +1-571-601-1752. Include your company name, the provider, your provider account contact, and the pay date you want the integration live for. Allow time before that pay date; enablement is not instant.
Related articles
- Processing a Regular Payroll: where repayment deductions appear
- Setting Up Company Level Deductions
- Setting Up Employee Payroll: the payment-method form DailyPay locks
- Troubleshooting: I Can't Start or Approve Payroll: the DailyPay approval blockers
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