Time is money we help you with both

Employee financial wellness benefit offered in partnership with your employer.

1-minute video on How it Works

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How does Payactiv help?

0 %
Avoided late fees
0 %
Avoided overdrafts
0 %
Avoided payday loans

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Your money in your hands

Payactiv app

With Payactiv you don’t have to wait for payday to get paid. If an expense comes up, you can take from what you’ve already earned (up to $500) anytime, and get the remainder on payday. 

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Get more from what you already have



Save with discounts, up to 80% on prescription medicine and 10 cents per gallon gas discount at MurphyUSA.​

Financial counseling

Financial counseling

Get free consultation over phone on budgeting, paying off debt, or building credit.

Savings plan


Want to start a savings plan? Our app helps you stay on track with your spending and saving goals.

2+ million use Payactiv to live today and save for tomorrow

User testimonials

It's easy to use and all employees are eligible


Join today!

Your earnings, your savings, and your spending with you in control.

  • No cost to sign-up
  • No recurring cost
  • Cancel anytime
  • No credit check
Payactiv App Card Make livelihood yours

Have questions? We have answers.

Just your name and mobile phone number. That’s it.

Free Services: Viewing your accessible balance and using
Rx Discounts, Financial Advice, or Savings features are free to use anytime for all users.

Program Fees: Payactiv is free to use if you direct deposit
your paycheck to the Payactiv card. Without direct deposit
to a Payactiv card, there’s a program fee of $1 on the day
you use bank transfer, card load, cash access, Bill Pay, Uber, or Amazon. It covers 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 $1.99 processing fee per
transaction for Walmart cash pickup and upgraded Instant transfers to debit cards.

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

The benefit of using the Payactiv card is that your earned wages transfer instantly to the card and there’s no processing fee for instant transfers. 

The Payactiv Visa Card is a prepaid debit card with no fees monthly fees, inactivity fees or minimum balance requirement.

Transfers to bank accounts and other debit/prepaid cards are completed within 48hrs. Card transfers can be made instant for $1.99/transaction.

Transfers to the Payactiv card are instant 24/7/365 and there is no instant 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.