Get what you’ve already earned1, right now, to pay bills or buy what you need. It’s just your money, in your hands.
Know what’s possible to save or spend, get help with budgets, savings, and debt—all in the Payactiv App.
Access exclusive discounts on everyday items. Spending less means saving more for what matters.
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 We give you access to your direct deposits from employer and government payers on the day we receive them, which is typically up to 2 days earlier than your scheduled pay date.
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 of $200 or more per pay period, you can access your earned wages2 at no cost when funds are transferred to the Payactiv Card. Creating a Payactiv account is free for all users and contains many free features including bill pay, discounts, financial counseling, and budgeting and savings tools. If your employer offers EWA, you can view disbursement options and fees at payactiv.com/program-pricing. Payactiv Visa Card users with direct deposit (minimum required) enjoy fee-free3 real-time EWA transfers and additional exclusive discounts.
2 Central Bank of Kansas City does not administer, nor is liable for earned wage access.
3 To qualify, you must have one (1) successful direct deposit of $200 or more to the per pay period. If this qualification isn’t met, then a load fee of $1.99 will be charged.
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 and the Payactiv Visa Payroll Card are 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 1-877-747-5862, 24 hours a day, 7 days a week.
** Central Bank of Kansas City does not administer, nor is liable for earned wage access.
Payactiv holds earned wage access services (EWA) license number 2591928EWA with the Wisconsin Department of Financial Institutions.
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