The Payactiv app puts you in control of your earning, spending, and saving so you can access your pay when you need it, stretch every dollar, and achieve your financial goals faster.
We created Earned Wage Access (EWA) so you can access a portion of your paycheck as soon as you earn it, without waiting for paydays. You can even schedule automatic payments. That means more financial freedom for you and your family.
* 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.
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Payactiv is the inventor of Earned Wage Access and the maker of the Payactiv app, an all-in-one digital wallet that gives people more control with how they earn, spend, and save their money.
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.
We recommend linking your primary bank account in the Payactiv app to ensure the best possible experience. It gives us the ability to give you better guidance with what is safe to spend and what is safe to save when we have this information. It also allows you to easily transfer money from your existing debit card to the Payactiv Visa Card.
The Payactiv Visa Card is a reloadable prepaid card that can be used for purchases everywhere Visa debit cards are accepted. You can only spend the money that you load on the card. It is not a credit card and applying for it and using it does not affect your credit score.
Payactiv is not a bank, we are a financial technology company that offers banking services provided by the Central Bank of Kansas City, Member FDIC.