Get paid as you earn

Get the wages you’ve earned from hours you’ve already worked directly into your bank account or Payactiv card. Use it to pay bills, get a ride, and pick up cash at Walmart. No loans, no interest–just your money, in your hands.

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Download the free app¹

Financial Wellness at your fingertips

Access earned wages

Get up to 50% of your earned wages before payday and choose how to use them. You can transfer wages to your bank or card, load to AmazonCash, pickup cash at Walmart, pay for an Uber, or pay a bill, right from the app¹.

Spend smarter

When you link your bank or cards, Payactiv SmartSpend can help you build good spending habits and suggest what is safe to spend.

Save as you go

Set money aside each paycheck, get financial advice, and get discounts on things like gas and prescriptions to help you reach your savings goals.

How it works

Access your earned wages

Your worked hours turn into accessible wages in the Payactiv App¹

Tackle daily expenses

Use wages to pay for an upcoming bill, an Uber, discounted gas, and more

Automatically settle funds

On payday, the wages you accessed show as deductions on your paycheck

There are times Payactiv was the only reason I could pay bills, get gas and even eat.

Payactiv is always there for me when I need it. Can't live without it.

Its helped me more times then I can count. Desperately need money at times and I can always count on Payactiv.

It's been a great help keeping my family afloat after my wife lost her job due to the pandemic.

Payactiv is a great app. I have access to the money I need when I need it. Payactiv is incredibly convenient.

Join today!

No cost to sign-up
No recurring cost
Cancel anytime
No credit check

Create your account

Have questions? We have answers.

What do I need to sign up?

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

Does Payactiv charge any fees?

It’s free to transfer your earned wages to a bank account (1-3 business days) or to your Payactiv Visa^® Card* (same-day) with paycheck Direct Deposit. You can view other disbursement options and fees at payactiv.com/program-pricing.

Do I need the Payactiv Visa® Card* to access my earned wages?

No. You can transfer your earned wages to any bank, debit, or payroll card in addition to the Payactiv Card.

How long does it take to get Earned Wage Access funds?

You can transfer your earned wages same-day to your Payactiv Card or personal card for a small fee. ACH bank transfers are completed in 1-3 business days.

What's the catch?

There is no catch! It’s just your money in your hands. Funds accessed using Payactiv will show as deductions on your next paycheck. It’s not a loan and has no hidden fees. Ever.

¹ Standard message and data rates from your wireless service provider may apply.

**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 877-747-5862, 24 hours a day, 7 days a week.

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.