Earned Wage Access

The employee benefit with the most impact

Improve recruitment and impact the daily lives of your workforce with Payactiv, the innovator of Earned Wage Access and the only EWA provider with an approval order from Consumer Finance Protection Bureau.
Payactiv EWA

9 of 10 employees want EWA

0 %
Want employer sponsored EWA
0 %
Will stay longer if you offer EWA
0 %
Will switch jobs to get EWA
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Their money when they
need it

MONEY ON THE WAY
FastAccess

Instant Access

Users can transfer their earned wages to their bank account, Payactiv card, or pick up cash at Walmart. We front the money.

Gear

There is more

Pay a bill, call an Uber and get daily necessities from Amazon with EWA funds directly from the Payactiv app.

Savings

Low or NO Cost

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

Eligible

Works for everyone

Exempt, non-exempt, part-time, salaried, everyone can use EWA from day one through an easy opt-in enrollment process.

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Their money when they need it

Users can immediately access money in their bank account, load it on a Payactiv card, or pick up cash at Walmart.
Both free and low-cost options help employees save an average of $200 a month in overdrafts, late fees, and high-interest loans.

They can even use their earned wages to call an Uber and get daily necessities from Amazon, or pay bills directly from the Payactiv app.

All of your employees are eligible for this benefit from day one through an easy opt-in enrollment process.
2M+ workers have saved $400M+ with Payactiv.
52K Reviews
4.8/5

From fortune 500 to small businesses
4 reasons companies offer Payactiv EWA

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Improves Hiring and
Retention

Payactiv is proven to increase retention by an average of 30% and can save businesses millions in turnover cost.

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Seamlessly Integrates with
Existing Systems

Payactiv partners with all major HCM, payroll and T&A providers like ADP, Paychex, Kronos and over 70 others.

Streamline

Streamlines 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.

Heart

Reduces Employee
Financial Stress

Timely access to earned wages helps tackle day to day finances without worry. The app also includes free financial learning and counseling, discounts, and goal-based savings.

The only EWA program with CFPB* approval order

The CFPB approval order describes it as an “innovative mechanism for allowing consumers to bridge the gap between paychecks;” and also covers both Payactiv’s free and fee-based EWA models.

Don’t just take our word for it

Learn how Earned Wage Access can boost your business

Have questions? We have answers.

We do. Payactiv fronts the cash to the employees. There is no income or expense impact for the employer.

There are no setup or recurring costs to the business. Even if an employee discontinues their employment, there is Zero Risk to employers, as Payactiv protects employers against financial losses associated with our service.

Employers or designated payroll providers process payroll. Services within Payactiv’s financial wellness program are independent of payroll and associated taxes.

Payactiv has API integration with most payroll and time and attendance system. Highest security standards are followed.

For salaried employees, Payactiv works as it would for any user.

Only name, employee ID, and clock-in/clock-out information is needed.

Once an employer agrees to offer Payactiv as an employee benefit, the service can go live within 48 hours. We provide on-site implementation and training where required.

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Our mission is to help more people have access to the best financial services at the best possible price—zero.
* The CFPB Approval Order relates only to Payactiv’s Payroll Deduction EWA Programs and not to all Payactiv products or services. The Approval Order is a public document, and may be reviewed here.