No cost to open a Payactiv account where you can easily manage your everyday needs and plans for the future
In 2012 we innovated the way to get paid when you work, not two weeks later. So far we’ve moved $5B+ in wages to workers, helping save $400M+ in predatory fees and penalties.**
As a Certified B-Corp, Payactiv meets the highest standards of social and environmental performance, transparency, and accountability, helping you thrive today and plan for tomorrow. Because our economy—and our world—flourish only when the people who work to create it have an honest chance to prosper.
Everybody! Even if your employer isn’t enrolled in Payactiv, you can apply for the Payactiv Visa Card* and receive your paycheck up to 2 days early1 and use our in-app savings tools, prescription discounts, and 1:1 financial counseling.
1 Many (but not all) employers, government benefits providers, and other originators send direct deposits early with an effective of 1-2 days later. Beginning with your second direct deposit of at least $5 from the same source, Central Bank of Kansas City (CBKC) will post the funds to your Payactiv Visa Card when we receive it, rather than on the effective date. This may result in your having access to the funds sooner. The date CBKC receives your direct deposit and the effective date are controlled by the originator.
If you have Payactiv from work, you will see hours worked and your current earnings in the app and you can transfer the accessible amount to your bank, card or get as cash.
Funds accessed using Payactiv will show as a deduction on your next paycheck.
We make money from the “interchange rate” when you use the Payactiv Visa Card* for online or in-store purchases. That’s the fee a merchant pays us with every card transaction. If you get Payactiv through your employer and have a Payactiv Visa Card* with direct deposit, you can access your earned wages at no cost when funds are transferred to the Payactiv Card. If you haven’t signed up for direct deposit yet, there is a $1.99 fee for instant wage access. Other transfer types range from $0 to $2.99. Fees are the same for our Direct Users (Earned Wage Access is unavailable for Direct Users). Program fees are capped at $3 for weekly payroll and $5 for bi-weekly payroll.
Payactiv uses time and attendance data to provide earned wage access to employees. It works with existing systems and there’s no cost to the business in offering Payactiv services as an employee benefit.
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* The Payactiv Visa Prepaid Card is issued by Central Bank of Kansas City, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Certain fees, terms, and conditions are associated with the approval, maintenance, and use of the Card. You should consult your Cardholder Agreement and the Fee Schedule at payactiv.com/card411. If you have questions regarding the Card or such fees, terms, and conditions, you can contact us toll-free at 877-747-5862, 24 hours a day, 7 days a week.
**Central Bank of Kansas City is the issuer of the Payactiv Visa Prepaid Card only and does not administer, endorse, nor is liable for the Payctiv App.
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