Financial wellness at your fingertips

Subway® partnered with us so you can access your earned wages on-demand from the Payactiv app. No more waiting for payday, borrowing, overdrafts and late fees. Now you can use your money to pay for what you need when you need it.
Payactiv for Subway Employees Hero

Get ahead with your finances

Stay in control of your daily expenses, avoid debt, and achieve your financial goals with access to on-demand pay, the Payactiv Visa® Card*, and smart saving and budgeting tools—all in one app.
Earned Wage
Access (EWA)
Payactiv Visa
Card & Savings
Budgeting &
Planning Tools

*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.

Earned Wage Access

Earned Wage Access App

How does it work?

Every day you work, a portion of your earned wages will be available to you in the Payactiv app. It is totally up to you when and how you want to transfer these funds.
  • Move money to your existing bank account or debit card
  • Move money to the Payactiv Visa® Card*
  • Pick up your earned wages as cash at Walmart
  • Use your earned wages to pay a bill, call an Uber, or shop on Amazon
Payactiv Visa Card Savings

Payactiv Visa Card & Savings

Take your finances to the next level with the convenience of the Payactiv Visa Card.

  • No fees for EWA transfers when you set up direct deposit on the card
  • No fees to send and receive money from other Payactiv cardholders
  • Access to goal-based savings for your short or long term plans
  • Get access to exclusive discounts
  • No minimum balance requirements, FDIC insured
Payactiv Visa Card Savings
Budgeting Planning Tools

Budgeting and Planning Tools

Access more financial wellness features in the Payactiv app

Coins icon

Smart budgeting

Get insights into your earning, spending and saving and get ahead with your financial goals.

AccountManager icon

Free financial

Schedule a 1-on-1 session with a professional financial coach to set a plan for reducing debt, improving credit score, and your financial future.

Discounts icon

Rx medicine

Get in-app coupons and save up to 85% on prescription medicine from pharmacies near you.

Auto icon

Find better car

Compare different car insurance options to see if you’ve been paying too much and choose an option that works best for you.

Budgeting Planning Tools
Get started with Payactiv

How to get started with Payactiv?

  1. Your store manager sends you an invitation to join Payactiv
  2. Click on the invitation link to register and create a Payactiv account
  3. Download the Payactiv app
  4. Your accessible earned wage balance will show on your home screen

In their own words:

Payactiv is the best buddy I can have

Find out more about how Payactiv has helped our users on their financial wellness journey

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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.
We’ve even earned a spot on B-Corp’s 2021 Best For The World list!

Have questions? We have answers.

Subway® employees have to receive an invite from their store manager with a personalized link to join Payactiv. Don’t share this link with anyone. Your store manager will send this invitation from the LiveIQ system.

*All fees will be waived to Subway employees for the first 6 months! After that, the following fees will apply:

Payactiv is free to use if you direct deposit your paycheck to the Payactiv Visa Card. For everyone else, the EWA program fee is $1 for a day of use. It covers all transactions until midnight Pacific Time that day. This fee is capped at $3 per weekly and $5 per bi-weekly pay period.

Additional fees of $0.99 to $1.99 per transaction may apply if you use services such as instant deposit or Walmart cash pickup.

No. You can transfer your earned wages to a bank account, a debit card, pick it up as cash at Walmart, or even use your wages to pay for Uber or shop on Amazon. The benefit of using the Payactiv Visa Card is that you don’t pay any fees when you set up direct deposit on the card.

Transfers to bank accounts and other debit/prepaid cards are completed within 48hrs. Bank transfers made after 12:50 PM EST M-F are processed the next business day.

Card transfers can be made instant for an additional $1.99/transaction.

Real-time transfers to the Payactiv Visa Card are free when you have direct deposit set up on the card. Otherwise transfers to the Payactiv card are done the next day or can be made real-time for an additional $0.99/transaction.

There is no catch! It’s just your money in your hands. It’s not a loan and has no hidden fees. Ever.