The PayActiv Platform

Holistic, effective,

A complete platform that provides financial security, personal dignity, and readiness for tomorrow. Whether you are a small business or a large enterprise, your employees need holistic financial wellness.



Employees get instant and timely access to earned wages when they need it most, plus tools to plan and save at every level.

  • Access earned wages
  • Allocate and save
  • Get financial counseling
  • Get Rx discounts
  • Pay bills online and much more


Timely access to earned wages enables employees to be self-reliant and it prevents fee and debt traps.

  • No more payday loans
  • No more late fees or bank overdrafts
  • No additional debt
  • No more financial stress


All employees are eligible and access services via PayActiv website, mobile app, or ATM kiosks.

  • No change to employee banking
  • Connect from anywhere
  • One seamless platform
  • Available in all 50 states

World's First On Demand Real Time Access to Earned Wages

Timely Earned Wage Access

At the heart of PayActiv holistic financial wellness platform is timely earned wage access or EWA. It is the simplest and safest way to break free of predatory products and rising debt.

EWA is voluntary, intuitive, and on-demand. Between paychecks, employees can get a part (for example 50%) of their already earned wages instantly for a nominal flat fee. EWA is not a loan; there’s no underwriting, no hidden fees, no debt caused or any interest charged.

They can transfer the funds to a bank, pay unlimited online bills, load a prepaid card, or get cash, all for no additional charge – Nada, Zilch, Free.

Intelligent Budgeting and Saving

Employees can take their financial planning to the next level with our goal-based budgeting and planning engine. Powered with machine learning and AI, employees benefit instantly.

The PayActiv savings tool aligns with their behavioral conditioning so that employees can intuitively calculate their savings goals in units of time. It’s a revolutionary and effective way to start saving, specially designed for hourly workers. 

Employers now have multiple options to incentivize savings for their employees. 


Financial Literacy and Counseling

PayActiv financial wellness benefit includes free and unlimited access to knowledgeable financial coaches.

Whether the goal is to learn effective budgeting skills, save for the future, or find a way out of debt, employees can use financial literacy resources to develop balanced personal budgets and spending habits while learning important savings strategies.
Financial Literacy Resources for Employees


In addition, PayActiv users qualify for discounts at local stores. They simply find and access the discounts from the mobile app.


Introducing the PayActiv Card

PayActiv proprietary prepaid card solution is much more than your typical prepaid card. In addition to benefits such as fraud protection, cash withdrawal, direct deposit, and other features, the PayActiv card allows real-time access to earned income any time, any day of the week, 24/7/365.

The PayActiv Visa® prepaid card is issued by Central Bank of Kansas City, member FDIC

Employer Portal

A rich backend provides features for employers to create the ideal workplace environment for engagement, retention, and recruitment.


Get adoption and impact reports for your business.


Send and track notifications to employees.

Pulse Surveys

Available to employers. Voluntary and confidential. 

Rewards Program

Use cash rewards program for employee recognition.

Turnkey Solution

  • Frictionless

    • Offered as a voluntary benefit by businesses to their employees.
    • Only time and attendance data is needed. PayActiv works with all payroll and time-attendance systems.
    • PayActiv fronts the money for earned wage access. No change to your cash-flow.
    • Customizable rules. We adapt to you.
  • All Employees Are Eligible

    • Employees enroll using their own unique ID. No personally identifiable information (PII) data is required.
    • All employees are eligible from day one of employment.
    • Employees can get up to 50% of their earned wages instantly.
    • All other financial wellness services are at no cost even if they don't use earned wage access.
  • Clear And Simple

    • The money taken using PayActiv is deducted from upcoming paychecks when payroll is processed.
    • Employees receive their net paycheck from their employer, like before.
    • No change to user's banking services. PayActiv is completely non-invasive.

Why offer PayActiv to your employees?

How does it work?

Designed for Every Business

Security and Compliance

Meets the highest security and compliance standards. 

  • PCI DSS Level 1 Certification
  • SSAE18/SOC1 Type II and SOC2 Type II
  • ISO27001
  • HIPAA Certified

Customizable and Configurable

  • 450+ rules to customize for your business
  • Supports Single Sign-On (SSO) for a seamless integration/access. Multiple authentication options are available.
  • Works with all HR/HCM/payroll systems
  • No operational change is needed
  • Supports multiple locations
  • Accessible anytime, anywhere, from a phone app or web interface


PayActiv is a complete standalone ready-to-use mobile app and API is also available if you want to leverage our very highly available and scalable solution in your own app. Partners can easily integrate it via RESTful web interface or embed it via OAuth-like feature.


Many employers subsidize employee costs because of the measurable savings to their business.


There is no setup or recurring cost to the employer.


Employees can access their earned wages for a nominal flat fee of $0 to $5 depending on the employer program.

Best Practice

Our partners choose to pay all or part of the earned wage access fees as an added benefit for their employees.


By partnering with PayActiv, businesses have a more engaged, reliable, and productive workforce. Employee turnover is measurably reduced, and employee wellness and loyalty flourishes. Everyone wins.

User Stories


"It was an easy and fast enrollment. No credit check or personal information was needed. Honestly, I want others to know about what a great program this is. You never have to pay late fees for bills or borrow from anyone. I love PayActiv."


Works in retail, mother of a 4-year-old

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"Once our bills were paid, not enough money was left to refill the prescription. I used PayActiv to get my wife her medicine on time. She depends on me. PayActiv is very good for people."


Works in security, 65 years old and a grandfather

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"I’m always short on my rent and before I had PayActiv I would always start stressing when the due date was near. I would lose sleep over how and who I was going to borrow the money from. Now I use PayActiv to complete my rent money."


Technician, has 3 children

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"I found an apartment and met the deadline to bring money by Friday. I used PayActiv to pay the deposit for rent to hold the apartment. It also helps me pay the $250 out of every one of my paychecks for childcare."


Works in retail, mother of a new-born

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"I found an apartment and met the deadline to bring money by Friday. I used PayActiv to pay the deposit for rent to hold the apartment. It also helps me pay the $250 out of every one of my paychecks for childcare."


Has 2 jobs, his wife works too

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It's more than a paycheck.
It's peace of mind.

It's more than a paycheck. It's peace of mind.

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