Financial wellness at your fingertips

Subway® partnered with us so you can access your earned wages on-demand from the Payactiv app1. 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 app1.

*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


How does it work?

Every day you work, a portion of your earned wages will be available to you in the Payactiv app1. 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 app1

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Smart budgeting

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

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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.

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Rx medicine

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

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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 app1
  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.

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, all fees to access your earned wages are less than $3. Payactiv Visa Card users with direct deposit enjoy free real-time EWA transfers and additional exclusive discounts. View our transaction pricing details here.

No. You can transfer the earned wages to any bank or card.

The benefit of using the Payactiv Visa Card* is that your earned wages transfer real time to the card and there’s no processing fee for those transfers.

The Payactiv Visa Card* has no monthly fees*, no inactivity fees* and no hidden fees*.

You can transfer to the Payactiv Card or your personal card in real-time for free for less than $3. ACH  bank transfers are completed in 1-3 business days.

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