The access standard for earned money
Payactiv is the infrastructure that connects employers, payroll providers, financial institutions, and workforce platforms.
Using
business
as a force
for good.
Why it matters
Earned money, for life.
Groceries. Gas. Rent. An unexpected bill. Earned Wage Access gives employees greater control over money they’ve already earned.
67%
live paycheck to paycheck
9 in 10
want Earned Wage Access
SERVING
Turnkey solutions
Offer capabilities like Earned Wage Access, payroll cards, instant issue cards, tips programs, and off-cycle payments.
Let's Meet
CREATING
Custom experiences
Leverage our infrastructure and retain your brand to launch your tailored program to amplify the value you already deliver.
Let's Talk
POWERING
APIs and developer kits
Launch your solution with our funding and program management to increase engagement and create new revenue.
Let's BuildGo further with Payactiv
Offer on-demand access to earned wages with flexible and fee-free options
•
Bank Transfer
•
Payactiv Visa® Card
•
Debit Card
•
Uber
•
Venmo/PayPal
•
Walmart Cash
•
Amazon
•
Bills
•
Cash App
Get end-to-end program management
Funding
Risk & Compliance
Program Management
Client & User Success
Support holistic financial wellness
Launch a payroll card for your workforce
Manage payments beyond the regular payroll cycle
Drive stronger workforce outcomes
Increase retention
Improve engagement
Boost productivity
Fill shifts faster
Reduce costs
Add new financial capabilities
to your platform
Earned Wage Access
Payroll Card
Off-cycle Pay
Financial Wellness Tools
Tips & Mileage
Meet our team to see what’s possible
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It was such an easy lift for our team to get up and running. We pay 20,000+ employees biweekly with just three payroll staff members. And Payactiv has not put anything additional on our plate to maintain.
– Melanie Ryan, Payroll Manager
HEALTHCARE
Norman Regional Health System Reduced Employee Financial Stress and Boosted Retention
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The level of gratitude we’ve received from our employees for helping them address their financial worries has been overwhelming. But for us, the best thing is knowing that our people are now in a place where they can function at their best both personally and professionally.
– Brittni McGill, Chief Nursing Officer and Co-Chair of NRHS’ Recruitment and Retention Committee
NON-PROFIT
How the YMCA of Metropolitan Dallas implemented Payactiv in under a month and strengthened recruiting
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When we discovered Payactiv, it was a no-brainer. It was a great way to help out our employees with their financials and stress.
– Susan Desilets, AVP of Human Resources
MANUFACTURING
How Reser’s Fine Foods Turned Pay Flexibility into a Retention Advantage
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Our employees no longer have to choose between waiting for payday and paying a bill on time.
– Teri Shook, Manager, HRIS and Payroll
What it means to be the standard.
For Payactiv, being the standard means more than just inventing Earned Wage Access. It means building the infrastructure that powers it, establishing the principles that define it, and continually raising the bar for what's possible with earned money.
Payactiv invented Earned Wage Access to close the timing gap between when money is earned and when it is accessed.
We expand access to earned money through broader capabilities and deeper connections across payroll and HCM.
We’re building toward a world where access to earned money moves as dynamically as the lives and systems around it.
The future of work and pay
Frequently asked questions
What is Payactiv?
Payactiv is an Earned Wage Access and financial technology company that provides the infrastructure for people to access and use their earned money. Payactiv powers Earned Wage Access, payroll card programs, real-time payments, and embedded financial experiences across employers, payroll and HCM providers, financial institutions, and workforce platforms, with financial wellness tools that help people manage their money.
What does Payactiv do for employers?
Payactiv enables employers to provide earned wage access, payroll cards, off-cycle pay, tips and mileage, and financial wellness tools—all alongside existing payroll systems. By giving employees more flexibility and control over their earned money, Payactiv can help employers improve retention, attendance, engagement, and overall workforce outcomes.
Who uses Payactiv?
Payactiv serves employers and workers across industries including healthcare, retail, hospitality, restaurants, manufacturing, logistics, senior care, and the public sector. Payactiv also powers earned money access through leading payroll and HCM providers, financial institutions, and workforce platforms, expanding its reach to millions of workers.
Is Payactiv a payday loan or cash advance service?
No. Payactiv is not a payday loan or cash advance service. Earned Wage Access lets employees tap wages they’ve already earned — it is not a loan or an advance against future earnings, and there is no interest.
What does Payactiv Earned Wage Access cost an employer to offer?
Payactiv Earned Wage Access is offered to employers at no cost.
Ready to move Earned Wage Access forward?
Whether you want to give employees access to money they have already earned or extend leading pay capabilities through your platform, our team can help you find the right approach that is simple, dependable and built for the way you work.