Get instant and timely access to funds

Never pay a late fee or overdraft fee

Not a loan, it is your earned wages

Save as you earn, prepare for tomorrow

Never pay a late fee, overdraft fee or payday loan fee again

PayActiv ends the stress of waiting for your paycheck. You can now access up to half the money you've earned but not yet been paid, when you need it most.

It's not a loan because you have already earned it.

And the only cost is a flat $5 transaction fee. Period.

Shouldn't you get timely access to what's already yours?

Avoid all those fees
that catch you off guard



Late with the rent, car payment, or the phone bill? $50 fee on average.


A returned check fee is $25 or more! And think you’re covered by overdraft protection? Think again. It triggers a $27 fee, on average.


Let’s say you need $375. After a payday loan, you’ll owe the lender $415 or more from your next paycheck.

"I have room for dreams now"  -- Michelle Dean, PayActiv user

Every time someone uses PayActiv, they avoid a penalty. Small savings add up and help pay off old loans faster. A stress-free life is when you can dream for tomorrow.

Employees love PayActiv

Besides instant and timely access to funds, PayActiv provides a suite of free services that include better banking products, savings and budgeting tools, bill payment and financial health measurement.


    Check your earned balance, get up to $500. Not a loan, no hidden fees, no risk of adding debt


    Use the savings tool to budget and allocate as you earn


    Get rewarded for excellence


    Unlimited online bill pay and bank transfers. No fees or cost


    Available to all employees regardless of their banking or credit status

Security, Dignity and Savings

No more fear of facing an unexpected expense. No more shame of asking for money. No more costly penalties cutting into your wallet.

No additional debt

PayActiv is not a loan, simply a portion of what you have already earned, paid in advance of the scheduled payday.

Save as you earn

PayActiv has reimagined savings. If you earn by the hour, now you can save by the hour too. Start your savings at the source so there's no chance of not having enough to save.

Hourly employees

How PayActiv Financial Wellness Benefit Works

How do employees signup?

PayActiv financial wellness employee benefit is offered through your employer.

Enroll now. Enrollment is free and takes only 2 minutes. You can cancel anytime.

Need help getting started? You can enroll from a web browser, phone app, email or even text messaging.

Have a question? Send us a message and we will get back to you right away.

Is PayActiv not offered at your work?

Tell your employers about PayActiv.

Share the PayActiv story with your friends and co-workers.

Inform your company's human resource and employee benefits personnel about PayActiv.

Contact us and we can talk to your company about introducing PayActiv at your work.


6 out of 10 Americans don't have $500 for emergencies

If this service would help you prepare for your next emergency

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

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

© 2017 – PayActiv, Inc. All Rights Reserved