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Payactiv is proud to now be a licensed Earned Wage Access (EWA) provider in the state of Maryland In becoming licensed, Payactiv commits to upholding consumer protections enumerated in the Earned Wage Access Credit Modernization Act passed last year This […]

Payactiv applauds the federal Consumer Financial Protection Bureau (CFPB) on the release of a new Advisory Opinion affirming earned wage access (EWA) is not credit under the federal Truth in Lending Act […]

Shoes that cost $48 last year are now closer to $67 A gallon of milk is up nearly 20%, and monthly utility bills have climbed 10–15% in many states (Yale Budget Lab Report) For employees already stretched thin, these spikes […]

Not all “EWA” programs are created equal Two models with nearly identical names—Earned Wage Access1 and Estimated Wage Advance—work in fundamentally different ways One is employer-sponsored and payroll-integrated, giving employees safe access to wages they’ve already earnedThe other […]

Most people assume that income volatility only happens when hours are cut or jobs are unstable But even for full-time hourly workers with steady schedules, volatility is built into the calendar itself Every month doesn’t offer the same number of […]

In retail, a shift is more than time on the schedule—it’s equity in the business Each hour worked carries value across revenue, service quality, and team morale When even one shift goes unfilled in high season, the ripple effect is […]

Most people still think of Earned Wage Access (EWA)1 as a perk—or worse, just a faster payday But EWA done right is something much more powerful: it’s a reliable system for workforce performance, loyalty, and long-term business impact It’s not […]

Every holiday season, HR leaders, payroll managers, and store managers brace themselves for the same cycle: a surge in seasonal hiring, chaotic scheduling, and constant pressure to cover shifts Q4 often becomes less about strategy and more about survival But […]

Workplace stress is no longer just a personal burden or an HR concern It is a quantifiable business risk—one that silently inflates costs, weakens resilience, and erodes performance Research from both Walking on Earth (WONE) and Harvard Business Review in […]

The Wellness Trap “Financial wellness” is the term we inherited Not the one we need It entered the corporate vocabulary with good intentions — a borrowed concept from the broader wellness movement, implying balance, health, and wholeness But as it’s […]