Get paid before payday
You can have the money you’ve already earned, when you need it. With Payactiv, sign up and verify your employer and you’re ready to manage your bills, save, and get ahead of your finances.
Every two weeks, millions of working Americans need to stretch to make it between paydays. Let Payactiv help make your life easier.
All you need is your phone number and your Employee ID.
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
Live
Your money when you need it
- See what you’ve earned, access what you need
- Know what’s safe to spend and when
- Pay bills directly from the app
- Redeem discounts at stores near you
- Book Uber rides using earned wages
Grow
Reach goals with SmartSave
- Get automated insights on what's possible to save
- See your savings grow with each paycheck
- Track your spending trends at a glance
- Get financial advice on managing debt
- Explore tips on near and long term plans
Connect
Stay informed, pick more shifts
- Receive alerts about account activity
- Get company announcements
- Check for open shifts and request to work
- Group chat and DM with team members
Our users have saved
$400M+ with Payactiv.
Here's one of them.
“The best thing that could have happened, as a new employee, is Payactiv.”
Jeremiah
IBEX call center agent
IBEX call center agent
Have questions? We have answers.
How much does it cost?
Creating a Payactiv account is free for all users and contains many free features including bill pay, discounts, financial counseling, and budgeting and savings tools. If your employer offers EWA, you can view disbursement options and fees at payactiv.com/program-pricing. Payactiv Visa Card users with direct deposit (minimum required) enjoy free real-time EWA transfers and additional exclusive discounts.
How much money can I get from Payactiv?
Every pay period, you can access a portion of what you’ve already earned. The maximum accessible amount is determined by employer settings.
Do I need a bank account or card to use Payactiv?
No. You can transfer earned wages to a debit card, prepaid card, bank account, or pick up cash from a Walmart Money Center near you.
Is credit score a factor in using Payactiv?
No. Payactiv is not a lending service, there’s no credit check.
How long does it take to get the money?
Transfers to the Payactiv Card are instant 24/7/365. Transfers to bank accounts and other debit/prepaid cards are completed within 48hrs. Card transfers can be made instant for $1.99/transaction. Bank transfers made after 12:50 PM EST M-F are processed the next business day.
If I take $100 today when will it be deducted from my paycheck?
Funds accessed using Payactiv will show as deductions on your next paycheck.
We’re accountable
Payactiv operates as a public benefit corporation and certified B Corp—using business as a force for good. We’re required to balance purpose and profit by considering how our decisions affect our workers, customers, and community.
© 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.