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Access money you've already earned

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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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 app.

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.
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How it works

Payactiv how it works step1

Access your earned wages

Your worked hours turn into accessible wages in the Payactiv App

Payactiv how it works step2

Tackle daily expenses

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

Payactiv how it works step3

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 user since 2019
Payactiv is always there for me when I need it. Can't live without it.
- Payactiv user since 2020
Its helped me more times then I can count. Desperately need money at times and I can always count on Payactiv.
- Payactiv user since 2020
It's been a great help keeping my family afloat after my wife lost her job due to the pandemic.
- Payactiv user since 2020
Payactiv is a great app. I have access to the money I need when I need it. Payactiv is incredibly convenient.
- Payactiv user since 2020
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Join today!

  • No cost to sign-up
  • No recurring cost
  • Cancel anytime
  • No credit check
Create Your Account
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Have questions? We have answers.

All you need is your name, phone number, employer, and employee ID. That’s it! You can find your employee ID on your pay stub or ask your manager.

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.

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