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FAQ

For You

Everybody! Even if your employer isn’t enrolled in Payactiv, you can apply for the Payactiv card and receive your paycheck up to 2 days early and use our savings tools, get exclusive discounts, and 1:1 financial counseling.

If you have Payactiv from work, you will see hours worked and your current earnings in the app and you can transfer the accessible amount to your bank, card or get as cash.

Every pay period, you can access a portion of what you’ve already earned, up to 50%, and transfer to your card or bank account, or pick up cash from a Walmart Money Center. The maximum accessible amount is determined by employer settings.

No.
No, as Payactiv is not a lending service, there is no impact on your credit score.

Transfers to the Payactiv Card are instant 24/7/365.

Transfers to bank accounts and other debit/prepaid cards are completed within 48hrs. Card transfers can be made instant for $1.99/transaction.

Bank transfers made after 12:50 PM EST M-F are processed the next business day.

Funds accessed using Payactiv will show as deductions on your next paycheck.

Payactiv is free to use if you direct deposit your paycheck to the Payactiv card. For everyone else, there’s a program fee of $1 on the day you use bank transfer, card load, cash access, Bill Pay, Uber, or Amazon. It covers all transactions until midnight Pacific Time that day. This fee is capped at $5 per pay period, even if you use Payactiv more than 5 days in a pay period.

Processing Fees: There’s a $1.99 processing fee for cash pickup at Walmart stores and instant deposit to cards other than the Payactiv card.

Free Services: Viewing your accessible balance and using Rx Discounts, Financial Counseling, and Savings features are free to use anytime for all users.

For Companies

Payactiv uses time and attendance data to provide earned wage access to  employees. It works with  existing systems and there’s no cost to the business in offering Payactiv services as an employee benefit.

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 the Payactiv 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 employee 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.

Card

No. It is Visa prepaid debit card is issued by Central Bank of Kansas City, Member FDIC, pursuant to a license from/by Visa U.S.A.

After you apply in the app or online, you can use the virtual card immediately. The physical card will arrive by mail in 7 to 10 business days.

Setting up direct deposit is the best way to get access to some of Payactiv’s most popular features. You can set up direct deposit in the following ways:
  1. Use the Payactiv app to get your Direct Deposit information
    • Log in to your Payactiv account
    • Tap on the Card icon on the bottom menu
    • On the Card page, tap on the 3 dots in the top right corner of the screen
    • The routing number and your account number are at the top of the screen
    • You can:
      • Tap on the Direct deposit menu item below and click the “Email me the complete form” button to have it emailed to you. Remember to forward this email to your payroll department.
      • Copy these numbers to fill out an online or paper form provided by your payroll department.
  2. Fill out the paper form that comes with your card in the mail
    3. When your card arrives in the mail, it will be attached to a card carrier with a direct deposit slip attached at the bottom. The direct deposit slip will have the routing number and your account number already printed on it.
    • Select the amount of your paycheck that you want to deposit
    • Sign and date the form
    • Detach the form and give it to your payroll department for processing

You may check your card balance at any time by using the Payactiv mobile app, website (payactiv.com), or by calling our customer service at (877) 747-5862.

Zero. There is no activation fees, monthly fees, inactivity fees, or other hidden fees. 

Anyone with a valid U.S. social security number who is 16 years or older may apply for the payroll card if their employer offers it.

The main difference is that the payroll card is issued through employers to disburse employees’ paychecks while the prepaid card is available directly to consumers via our website. The functionality of the cards is essentially the same.

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