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True Financial Wellness - Live the Life You Earned

Get the money you worked for today, to spend on what matters to you
Join Today
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LIVE

Own your day

Get what you’ve already earned, right now, to pay bills or buy what you need. No loans—your money, in your hands.
Budgeting and Saving
GROW

Make room for plans

Know what’s possible to save or spend, get help with budgets, savings, and debt—all in the Payactiv App.1
Shift scheduling
CONNECT

Work your way

Get company announcements, pick up shifts, and get reminders and alerts from work.
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Your livelihood,
in hand

No cost to open a Payactiv account where you can easily manage your everyday needs and plans for the future

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We serve more than
2 million people today

Payactiv user - Kentucky

“It’s given me peace of mind.”

Payactiv user
Kentucky
Payactiv user - Florida

“This is the best buddy I could have.”

Payactiv user
Florida
Payactiv user - IBEX

“The best thing that happened to me.”

Payactiv user
IBEX call center agent
Payactiv user - Nazareth Homes

“Such a powerful benefit to our team.”

Mary Haynes
CEO, Nazareth Homes
Payactiv user - TTEC

“Banks don’t see me as worth it. But I am. I’m a human being.”

Payactiv user
TTEC
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Your livelihood is
our life’s work

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.

Learn more about us
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More than 1,500
companies use Payactiv

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uber-client
ttec-client
mercy-client
murphyusa-client
pizzahut-client
perdue-client
freshmarket-client
subway-client
signature-client
reddyice-client
veggiegrill-client
nyctaxi-client
hilton-client
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Good for people
is good for business

0 %
Reduced turnover
$ 0 M
Saved by workers
$ 0
Employer cost
See our employer solutions

Have questions? We have answers.

Get more answers

Who can use Payactiv?

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.

How do I access my earned wages?

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.

How is the accessed money paid back?

Funds accessed using Payactiv will show as a deduction on your next paycheck.

How does Payactiv make money?

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. 

How do businesses offer Payactiv to their employees?

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.

Get more answers

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Make livelihood yours

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We’re accountable

Payactiv operates as a public benefit corporation and certified B Corp—using business as a force for good. We’re required to balance purpose and profit by considering how our decisions affect our workers, customers, and community.
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© 2022 Payactiv, Inc. All Rights Reserved

* 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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