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Payactiv Visa® Card
Get the card made for living your best life
Get paid early1, stay on track with budgeting and discounts, and save toward your goals.
At Payactiv we are all about eliminating unnecessary fees and getting our users the best value for their hard earned money.
- 🚫 No overdraft fees—because we’re not a bank
- 🚫 No monthly or annual fees
- 🚫 No minimum balance fees
Get paid early
Receive your paychecks and government payments sooner on the Payactiv Visa® Card*. If your employer offers Payactiv, you can get paid on-demand and even schedule your paydays any day of the week.
- Set up direct deposit and get your paychecks up to 2 days early1
- Gov’t payments up to 4 days early1
- Get paid on-demand with Earned Wage Access2
Get cash when you need it
Stop by one of 37,000+ surcharge-free MoneyPass® ATMs or get cash back at Point of Sale or over-the-counter from a bank teller.
- Access to one of the largest surcharge-free networks in the nation
- Conveniently located near you at retailers such as 7-Eleven®
Grow your savings automatically
Start setting money aside from each paycheck for a rainy day or toward your goals. We make saving easy with SmartSave guidance and an exclusive discount marketplace.
- Automated savings to help you succeed
- Exclusive discounts for everyday things like gas, movie tickets and more
- Free 1-on-1 sessions with certified credit coaches
Pay friends and pay bills, fee-free
Splitting the check with friends? Send and receive money from other cardholders, use your card for online or in-store purchases, and pay your bills from the app.
- Send and receive money from other cardholders for free
- Manage your bills and set up autopay to avoid late fees
- Use everywhere Visa debit is accepted
Spend safely with smart guidance
Easily track your spending with SmartSpend budgeting tools, receive real-time alerts, and pay safely with the latest contactless technology.
- Use SmartSpend budgeting analysis
- Safe tap-to-pay contactless payments or add card to digital wallets
- Real-time alerts so you always know what’s happening with your money
Peace of mind - included
FDIC insured
through CBKC*
Visa’s Zero
Liability protection3
Lock and replace lost
or stolen cards
24/7/365
bilingual support
Your earnings, spending, and savings with you in control
Use the digital card immediately.
Have questions? We have answers.
Is the Payactiv card a credit card?
No. Payactiv Visa® Card1 is a prepaid card issued by Central Bank of Kansas City, Member FDIC, pursuant to a license from 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 right away. The physical card will arrive by mail in 7 to 10 business days.
How can I check my balance on the card?
You may check your card balance at any time by downloading the Payactiv mobile app, logging onto the Payactiv website, or by calling our customer service at (877) 937-6966.
How much does it cost to get the card?
Nothing. There are no activation fees, monthly fees, inactivity fees, or other fees. View the Cardholder Agreement and the Fee Schedule for more details.
24 hour support: 1 (877) 937-6966 | [email protected]
* 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.
**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.
1 Many (but not all) employers, government benefits providers, and other originators send direct deposits early with an effective date of 1-4 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 Prepaid 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 Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security
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