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The Best Savings App You Will Ever Need

Watch the presentation and demo of our mobile app at Finovate Spring 2016.

Savings App FinovateToday, up to 90M working people in the US don’t have $500 for an emergency. Clearly the current methods to encourage savings for the working poor have failed. At PayActiv we have reimagined the concept of savings in a mobile app. Our approach changes the status quo and makes savings simple, practical and achievable. Instead of using the percent of income approach for savings a more practical ‘units of time approach’ is used. People who found it impossible to save $500 were able to start saving without any training.


Saving in Units of Time

Earnings are calculated in units of time. PayActiv’s savings app now allows employees to think of saving in the same way. For instance, they can allocate an hour a day towards an upcoming expense or towards a savings goal like rent, childcare, vacation, or emergency fund. Our software starts allocating the funds as a deduction directly from payroll, enabling you to save before you spend!


Start Saving Now

Allocate minutes and hours to save every day or every pay period and PayActiv starts allocating funds towards that goal. Users set their own categories, goals, and bank accounts where the funds should be transferred.


15 minutes per day $20 80 $400
30 minutes per day $20 40 $400
60 minutes per day $20 20 $400


How to get the PayActiv Savings App

PayActiv is offered as a voluntary benefit by employers, which means employees can enroll and use our services only if it is offered as a benefit by your employer.

Get started if you an employer or an employee.


PayActiv is an alternative to short term, small dollar, predatory lending products that are used by millions of workers while waiting for pay day. Offered in partnership with businesses, PayActiv’s mobile savings app becomes the bank for the underserved and working poor – 90M in the US alone. PayActiv’s services include instant cash access, bill pay, bank transfer, savings, budgeting tools and lots more. Businesses can onboard and get operational in one day. Quantified benefits include turnover reduction, increased retention and engagement.


Access is more than a paycheck.
It's peace of mind.

Access is more than a paycheck. It's peace of mind.

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