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Reliable and fast

Earned wage access

A rise in the need for on-demand pay means earned wage access providers must have effective systems in place to deliver secure, reliable and fast online payments to employees.

Zai’s powerful API is able to handle multiple steps in EWA, such as checking liquidity and verifying beneficiary details, integrating KYC and reconciling payments.

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Frictionless payment flows

Help workers access their money faster

Custom-build fast, flexible and frictionless payment flows to help your employees access payments when needed. The Zai API enables authentication, liquidity, and real-time settlement, so customers can access wages quickly.

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Adaptable, stable and reliable

Scalability and flexibility

Earned wage access providers need to respond to demand and scale fast. Our robust micro-service architecture adapts quickly to your needs, offering a stable platform with bank-grade processing volumes to handle large volumes of transactions reliably. 

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Enhanced payment workflows

Easy reconciliation

Enhance your existing payment workflow with Zai’s API - payins are easily tracked, unmatched payments are returned and reconciliations happen automatically - all with instant notifications.

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PCI DSS compliant

Accept payments securely

Accept card payments while remaining fully PCI DSS compliant. Embed payment collection on your website or application through secure hosted fields that optimise the user experience.

"Although complex to implement, this core value could differentiate us, giving us a unique selling point and a competitive advantage. After looking around the industry, we felt that Assembly (now Zai) had the most mature and reliable real-time payments platform in the market."

Dean Guo Mao

Co-Founder & CTO, Beforepay

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Create frictionless payment flows

Find out how you can gain agility, scale and free up time to focus on business priorities.

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