2M+ workers have saved
$400M+ with Payactiv.
“The best thing that could have happened, as a new employee, is Payactiv.”
IBEX call center agent
Every two weeks, millions of working Americans must stretch to make it between paydays. We pick up shifts, miss out on everyday moments, and sometimes swallow our pride to ask for an advance.
With Payactiv, you can have the money you’ve already earned when you need it, to manage bills, save, and even find extra shifts at work so your time and money can work better for you.
Direct deposit your paycheck to the Payactiv Visa® card* and use the funds up to 2 days before payday arrives.1 The card works everywhere Visa debit cards are
accepted, including a network of over 37,000 surcharge-free MoneyPass ATMs.
Payactiv benefit makes businesses work better for everyone.
Every pay period, you can access a portion of what you’ve already earned. The maximum accessible amount is determined by employer settings.
No. You can transfer earned wages to a debit card, prepaid card, bank account, or pick up cash from a Walmart Money Center near you.
No. Payactiv is not a lending service, there’s no credit check.
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.
65k+ people love and trust Payactiv.
*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 1(877) 747-5862, 24 hours a day, 7 days a week.
1 Many (but not all) employers, government benefits providers, and other originators send direct deposits early with an effective of 1-2 days later. Beginning with your second direct deposit of at least $5 from the same source, Central Bank of Kansas City (CBKC) will post the funds to your Payactiv Visa Card when we receive it, rather than on the effective date. This may result in your having access to the funds sooner. The date CBKC receives your direct deposit and the effective date are controlled by the originator.
2 Earned Wage Access requires employer participation.
3 Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your issuer for more detail.
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IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents.