PayActiv commitment

From our inception, we made a commitment to "reduce the systemic burden placed on hard-working individuals." With this goal we invented PayActiv, a fair and safe solution for working people who are struggling to pay bills without getting deeper in debt. What we have discovered is that we are not alone in our mission, every new business that offers PayActiv force multiplies in doing good by their low-income workers.

 

Together with forward looking businesses that practice corporate social responsibility we make a positive impact in society.

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Avoiding one penalty at a time. Reducing one debt at a time. Realizing one dream at a time.

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  Photo Credit: Craig Froehle 

Every time someone uses PayActiv they avoid an impending financial penalty. Small savings add up and help pay off old loans faster. Stress free life is when you can dream for tomorrow.

Read what our users are saying

"I have room for dreams now"  -- Michelle Dean, PayActiv user

 

Strategic corporate social responsibility in action.

Without PayActiv

With less than $400 in savings, half of the working population is paying crippling costs in bank overdraft and payday lending fees for their short-term small-dollar financial needs.

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Overdraft and payday lending revenue across the U.S.

$38 billion in 2014

2014 CFSI Underserved Market Size, R.K Hammer

FEES
High cost of access

INTEREST
Prohibitive interest rates

FINANCIAL STRESS
Restricted access and increased cost for auto insurance, rent, lease, and loans

Sources: American Community Survey 2014;  CFSI Underserved Market Size Report 2014;  US Census NAICS

With PayActiv

Your employees are able to avoid predatory fee-debt traps and better manage income-expense needs all without incurring any additional debt.

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AVOID
Fee-debt traps

ALLOCATE
Align income with expenses

SAVE
Build savings and credit for future plans

Sources:  American Community Survey 2014;  FDIC National Survey of Unbanked and Underbanked 2013; CFSI Underserved Market Size Report 2014;  US Census NAICS

Employers can make the change

By offering PayActiv, employers create positive change for their employees and protect them from falling into fee-debt traps for occasional financial shortfalls.

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NO MORE LATE PAYMENTS

NO MORE INTEREST PAYMENTS

NO MORE FINANCIAL STRESS

Sources: American Community Survey 2014;  CFSI Underserved Market Size Report 2014;  US Census NAICS

Businesses offer PayActiv to create financial inclusion, upward mobility, and equity in their communities

 Introduce PayActiv wellness benefit at your workplace

Businesses offer PayActiv to create financial inclusion, upward mobility, and equity in their communities

 Introduce PayActiv wellness benefit at your workplace

It is more than a paycheck,
it is peace of mind!

It is more than a paycheck, it is peace of mind!

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All Rights Reserved