Your money, in your control
Track your spending, automate your savings, and get paid up to 2 days early1 — all with no hidden fees*, ever.
Access exclusive discounts through the Payactiv discount marketplace with our award-winning app and card.
2021 Winner of B-Corp Best for the World™ for Positive Social Impact, Digital Wallet Impact Innovation Award for Product Design, and American Business Award for Company of the Year in Financial Services.
65k+ people love and trust Payactiv.
“This app is a life safer! Not to mention easy to use and always there when I need it!.”
– Payactiv User
“The ability to not only access your pay early but also to directly pay your biller is a life saver!! Thank you, Payactiv!”
– Payactiv User
Get paid early
Get fast access to your money when you deposit to your Payactiv account, use everywhere Visa® debit cards are accepted, pay bills directly from the app, and locate surcharge-free withdrawals at 37,000 in-network MoneyPass® ATMs. With direct deposit:
- Get paid up to 2 days early
- Gov’t payments up to 4 days early
- Access to wages earned anytime2
Spend safely with smart guidance
Our mobile banking technology does the work so you stay on track with spending and saving goals.
- Track spending habits at a glance
- Know what’s safe to spend
- Be alerted of low balance
- Auto transfer from earned wages2
Save in more ways than one
- Automated insights on what you can save
- See your savings grow with each paycheck
- Discounts on Rx, car insurance, movie tickets and more!
- Get financial advice for near- and long-term planning
- 1-1 phone service with trained financial coaches
No hidden fees* ever
- No activation fees
- No monthly maintenance fees
- No inactivity fees
Designed to give you control, not the other way around.
2021 Winner of B-Corp Best for the World™ for Excellence Beyond Profit, Digital Wallet Impact Innovation Award, and American Business Award for Company of the Year in Financial Services.
Get ahead of your finances
No credit check.
Get started in minutes and receive your digital card immediately upon approval.
Have questions? We have answers.
Is the Payactiv card a credit card?
No. Payactiv Visa® Card1 is a prepaid card issued by Central Bank of Kansas City, Member FDIC, pursuant to a license from Visa U.S.A.
How long does it take to receive my card?
After you apply in the app or online, you can use the virtual card right away. The physical card will arrive by mail in 7 to 10 business days.
How can I check my balance on the card?
You may check your card balance at any time by using the PayActiv mobile app, website (payactiv.com), or by calling our customer service at (877) 937-6966.
How much does it cost to get the card?
Zero. There is no activation fees, monthly fees, inactivity fees, or other fees. See the Cardholder Agreement and the Fee Schedule at payactiv.com/card411.
© 2025 Payactiv, Inc. All Rights Reserved
*The Payactiv Visa Prepaid Card is 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.
1 Many (but not all) employers, government benefits providers, and other originators send direct deposits early with an effective of 1-2 days later. Beginning with your second direct deposit of at least $5 from the same source, Central Bank of Kansas City (CBKC) will post the funds to your Payactiv Visa Card when we receive it, rather than on the effective date. This may result in your having access to the funds sooner. The date CBKC receives your direct deposit and the effective date are controlled by the originator.
2 Earned Wage Access requires employer participation.
3 Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your issuer for more detail.
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Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents.