Benefit offered by your employer

Get paid as you earn

With Earned Wage Access (EWA) you can get a portion of the money you’ve already earned before payday and avoid high interest loans, overdrafts and late fees. Access your earned wages through the Payactiv app1 and transfer them to your existing bank account or debit card. You can even use your earned wages to pay bills, call an Uber, shop on Amazon or pick up cash at Walmart right from the app1.


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Download the free app1

Financial Wellness at your fingertips

Access earned wages

Get up to 50% of your earned wages before payday and choose how to use them. You can transfer earned wages to your bank or card, load to AmazonCash, pickup cash at Walmart, pay for an Uber, or pay a bill, right from the app1.

Spend smarter

When you link your bank or cards, Payactiv SmartSpend can help you build good spending habits and suggest what is safe to spend.

Save as you go

Set money aside each paycheck, get financial advice, and get discounts on things like gas and prescriptions to help you reach your savings goals.

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How it works

Payactiv how it works step1

Access your earned wages

Your worked hours turn into accessible wages in the Payactiv app1

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Tackle daily expenses

Use wages to pay for an upcoming bill, an Uber, discounted gas, and more

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Automatically settle funds

On payday, the wages you accessed show as deductions on your paycheck

Join Payactiv!

  • No cost to sign-up
  • No maintenance fees
  • Cancel anytime
  • No credit check (this is not a credit card)
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Have questions? We have answers.

All you need is your name, phone number, employer, and employee ID. That’s it! You can find your employee ID on your pay stub or ask your manager

No-cost Services: Viewing your earnings, accessible balance, and using exclusive discounts, Financial coaching, or Savings tools are included and available to use anytime for all users.

Program Fees: Earned Wage Access is no cost to use if you direct deposit your paycheck to the Payactiv Visa Card*. Without direct deposit to a Payactiv Visa Card*, there’s a program fee of $1 on the day you access and disburse EWA through bank transfer, card load, cash access, Bill Pay, Uber®, or Amazon®. $1 program fees cover all transactions until midnight Pacific Time that day. This fee is capped at $5 per pay period, even if you use Payactiv more than 5 days in a pay period.

Processing Fees: There’s a fee of $0.99 for next day transfer to a Payactiv card without direct deposit. There’s a $1.99 processing fee per transaction for Walmart® cash pickup and real time transfers to any Visa/MC/Discover debit cards.

For a full list of fees please see the Fee Schedule at

No. You can transfer the earned wages to any bank or card.

The benefit of using the Payactiv Visa Card* is that your earned wages transfer real time to the card and there’s no processing fee for those transfers.

The Payactiv Visa Card* has no monthly fees*, no inactivity fees* and no hidden fees*.

Transfers to bank accounts through ACH and completed within 48hrs. Debit card transfers can be made in real-time for $1.99 fee.

Transfers to the Payactiv Visa Card* are made in real-time 24/7/365 and there is no transfer cost.

Bank transfers made after 12:50 PM EST M-F are processed the next business day.

There is no catch! It’s just your money in your hands. It’s not a loan and has no hidden fees. Ever.