ZayZoon vs Carta: Which Should You Choose in 2026?
Choosing between ZayZoon and Carta comes down to understanding what each tool does best. This comparison breaks down the key differences so you can make an informed decision based on your specific needs, not marketing claims.
By Toolradar Team · Last updated February 22, 2026 · Methodology
Short on time? Here's the quick answer
We've tested both tools. Here's who should pick what:
ZayZoon
Empower your deskless workforce with on-demand pay, perks, and financial wellness tools.
Best for you if:
- • You need something completely free
- • You need payroll features specifically
- • Offers on-demand earned wage access for employees.
- • Provides financial wellness tools, perks, and recognition features.
Carta
Equity management and cap table software
Best for you if:
- • You want the higher-rated option (8.8/10 vs 0.0/10)
- • You need financial planning features specifically
- • Carta is a platform for managing equity, cap tables, and valuations for startups
- • It handles 409A valuations, equity grants, and liquidity events
| At a Glance |  ZayZoon |  Carta |
|---|---|---|
Price | Free | Paid |
Best For | Payroll | Financial Planning |
Rating | —/100 | 88/100 |
| Feature | ZayZoon | Carta |
|---|---|---|
| Pricing Model | Free | Paid |
| Editorial Score | — | 88 |
| Community Rating | No ratings yet | No ratings yet |
| Total Reviews | 0 | 0 |
| Community Upvotes | 0 | 0 |
| Categories | PayrollFinancial Planning | Financial PlanningCompliance Management |
How ZayZoon and Carta Compare
ZayZoon
Empower your deskless workforce with on-demand pay, perks, and financial wellness tools.
Free
Carta
Equity management and cap table software
Paid · 88/100 score
ZayZoon is a payroll tool. Carta is in financial planning.
Who Should Use What?
On a budget?
ZayZoon is free. Carta is paid.
Go with: ZayZoon
Want the highest-rated option?
Carta scores 88/100. ZayZoon is unrated.
Go with: Carta
Value user reviews?
Neither has user reviews yet.
Go with: Carta
3 Questions to Help You Decide
What's your budget?
ZayZoon is free. Carta is paid. Go with ZayZoon if free matters most.
What's your use case?
ZayZoon is a payroll tool. Carta is in financial planning. Pick the category that matches your needs.
How important are ratings?
Not all tools have been rated yet.
Key Takeaways
Carta
- Higher score: 88/100 vs unrated
- Our pick for this comparison
ZayZoon
- Completely free
- Better fit for payroll
The Bottom Line
Carta (88/100) is our pick. That said, ZayZoon is free — hard to beat on price.
Frequently Asked Questions
Is ZayZoon or Carta better?
Carta scores 88/100 in our evaluation. ZayZoon is free and Carta is paid.
What are ZayZoon and Carta used for?
ZayZoon: Empower your deskless workforce with on-demand pay, perks, and financial wellness tools.. Carta: Equity management and cap table software.
What does ZayZoon cost vs Carta?
ZayZoon is completely free. Carta is a paid tool. Visit their websites for detailed pricing.