On-demand Access to Earned Wages
On-Demand Pay
Access your earned wages1 on-demand from the Payactiv app. No more waiting for payday, borrowing, overdrafts and late fees. Now you can use your money to pay for what you need when you need it.
Subject to successful ID verification.
1 Central Bank of Kansas City does not administer, nor is liable for earned wage access.
How it works
Access your
earned wages
Your worked hours turn into accessible wages in the Payactiv app
Tackle daily
expenses
Use wages to pay for an upcoming bill, an Uber, gas, and more
Automatically
settle funds
On payday, the wages you accessed will show as deductions on your paycheck
EARNED WAGE ACCESS
Your money when you need it
Every day you work, a percentage of your net earnings will be accessible to you in the Payactiv on-demand pay app. It is totally up to you when and how you want to transfer these funds.
- Move money to your bank account, non-Payactiv debit card, prepaid or payroll card1
- Transfer wages to your Payactiv Visa® Card
- Pick up your earned wages as cash at Walmart1
- Use your accessible earnings to pay a bill, call an Uber, or shop on Amazon
3Fees may apply. For more information about disbursement options and fees, please see payactiv.com/program-pricing
In their own words
It’s my money. It’s nobody else’s money. I worked for it. I’m not borrowing it. So you know, it’s peace of mind to have Payactiv.
– Payactiv User 
Don’t have access to EWA?
Head to the Payactiv app to search through thousands of job listings from companies we partner with. You can also fill out the form so our people can call your people and make Payactiv EWA available at your workplace.
Have questions? We have answers.
How do I access my earned wages?
If you have Payactiv from work, you will see hours worked and your current earnings in the on-demand pay app 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. Transfer your wages to your card or bank account, or pick up cash from a Walmart Money Center. The limit for a single EWA transfer is $750 without Direct Deposit set up, and $1500 with Direct Deposit set up. However, the maximum accessible amount is ultimately determined by employer settings.
How long does it take to get my earned wages?
You can transfer to the Payactiv Card or your personal card in real-time for a small fee. If your employer offers EWA, you can view disbursement options and fees at payactiv.com/program-pricing. 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.
Learn More about On-Demand Pay
© 2025 Payactiv, Inc. All Rights Reserved
24 hour support: 1 (877) 937-6966 | [email protected]
* The Payactiv Visa Prepaid Card and the Payactiv Visa Payroll Card are 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 does not administer, nor is liable for earned wage access.
Payactiv holds earned wage access services (EWA) license number 2591928EWA with the Wisconsin Department of Financial Institutions.
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