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FAQ

For You

Who can use Payactiv?

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.

How do I access my earned wages?

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.

How much money can I get from Payactiv?

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.

Do I need a bank account or card to use Payactiv?
No.
Is credit score a factor in using Payactiv?
No, as Payactiv is not a lending service, there is no impact on your credit score.
How long does it take to get the money?

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.

If I take $100 today when will it be deducted from my paycheck?
Funds accessed using Payactiv will show as deductions on your next paycheck.
How much does it cost?
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.

For Companies

How do businesses offer Payactiv to their employees?

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.

Who pays the money accessed by employees?
We do. Payactiv fronts the cash to the employees. There is no income or expense impact for the employer.
How much does it cost businesses to offer Payactiv?
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.
How is information shared between payroll systems and Payactiv?

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

How do you receive time and attendance data?
Payactiv has API integration with most payroll and time and attendance system. Highest security standards are followed.
How does the service work for salaried employees?
For salaried employees, Payactiv works as it would for any user.
What employee information do employers share with Payactiv?

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

How long does it take to start offering Payactiv to employees?
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

Is the Payactiv card a credit 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.

How long does it take to receive my card?

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.

How can I set up Direct Deposit on the Payactiv Visa Card?
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
How can I check my balance on the card?

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.

How much does it cost to get the card?

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

Who is eligible to get the Payactiv Visa Payroll Card?

Anyone with a valid U.S. social security number who is 18 years or older may apply for the payroll card if their employer offers it.

What is the difference between the Payactiv Visa Prepaid Card and the Payactiv Visa Payroll Card?

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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* 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. Certain fees, terms, and conditions are associated with the approval, maintenance, and use of the Card. You should consult your Cardholder Agreement and the Fee Schedule at payactiv.com/card411. If you have questions regarding the Card or such fees, terms, and conditions, you can contact us toll-free at 877-747-5862, 24 hours a day, 7 days a week.

** Central Bank of Kansas City is the issuer of the Payactiv Visa Prepaid Card only and does not administer, endorse, nor is liable for the Payctiv App.

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