Earned Wage Access

The Benefit that Employees Want

Used by over 1 million workers every month, it's the most powerful financial wellness benefit on the market that's loved by employees and employers alike.

  • Employees can instantly get their earned pay anytime
  • It's proven to reduce turnover by 30%
  • PayActiv works with existing systems and is quick to rollout
  • There is no cost or change in cash flow for the business

What is Earned Wage Access?

Earned Wage Access (EWA) is the fintech service that allows users to receive on-demand a portion of their wages for hours they have already worked but not yet been paid for by their employer. PayActiv invented EWA in 2012.


Already earned but unpaid.

Not Early


Contribution of work done.

Not a Loan


Instant and timely.

Not an Advance

Fortune 500 to small businesses: why are companies offering Earned Wage Access?

Walmart, the world’s largest retailer partnered with PayActiv in 2017 to offer EWA to its 1.4 million employees. But it’s not just large employers, small businesses are rapidly adopting earned wage access too. PayActiv impact in 2019 alone helped save over $700 Million in turnover related costs for our partner employers and our users have gained $240 Million in savings by avoiding overdrafts, payday loans, and late fees.


Attract and Retain Employees

It’s proven to increase retention by an average of 30% and can save businesses millions in turnover cost.

Streamline Payroll at No Cost

PayActiv fronts the money requested by your employees and is paid back when you process payroll normally. It’s a zero-cost benefit that requires no change to cash flow.

Seamlessly Integrates with Existing Systems

PayActiv partners with all major HCM, payroll and T&A providers like ADP, Paychex, Kronos and more.

Complete Financial Wellness Solution

In partnership with Visa, Uber, Walmart, and Amazon, PayActiv has turned Earned Wage Access into a new payment instrument, allowing users to access valuable services with their earned but unpaid wages.

81% of employees say they would be less likely to leave their current employer if they offered PayActiv.

See what experts, client, and users are saying

What does it mean for my employees?

Instant Access to Earned Wages

Access up to 50% of earned wages between paychecks, transferring them to a bank account, prepaid or debit card, or by cash pick up at any Walmart Money Center.

Access to Uber, Amazon, and Bill Pay

From the PayActiv app, employees can also use their earned but not yet paid wages to call an Uber, purchase daily essentials on Amazon, and pay bills electronically at no additional cost.

100% Eligibility with an Easy Opt-in

All of your employees are eligible for this benefit from day one through an easy opt-in enrollment process.

Low or NO Cost

Both free and low-cost options help employees save an average of $200 a month in overdrafts, late fees, and high-interest loans.

See How It Works

Access is more than a paycheck.
It's peace of mind.

Access is more than a paycheck. It's peace of mind.

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