Own your finances and make the most of every dollar
Fresenius partnered with Payactiv to offer you more control of your earnings and give you financial flexibility. Access your wages on-demand before payday, set saving goals, get exclusive discounts, and more!
See what's inside
Earned Wage Access
Get paid on-demand for hours you already worked before payday. For Fresenius employees, up to 90% of your earned wages will become available in the app. There is an access cap of $4000 per pay period, but when you set up direct deposit to your Payactiv Visa® Card and transfer wages to that card, the cap can increase to $5000.
Financial Counseling
Speak 1-on-1 with a professional and build a customized financial plan.
Exclusive Discounts
Find discounts on things like movie tickets, prescriptions, and gas. View all the available discounts in the app!
Get $20 when you create your first saving goal
- From the saving dashboard, tap the “+” to create a new goal.
- Specify the amount you’d like to save, a name, and an ending date.
- Select the monthly amount to be set aside toward your goal. That amount gets divided into daily contributions toward your goal from the available funds on your Payactiv Visa Card
- Once a goal has been created, Payactiv will deposit $20 into a new savings goal, titled “Goal Incentive”, within 14 days. This is a one-time incentive.
- You can transfer funds from a saving goal, at any time, to your Payactiv Visa® Card.
- You can increase the goal amount using the ‘edit’ function or set up a new goal at any time.
- Once you complete a goal, funds will no longer be set aside toward that specific savings goal.
Ready to get started?
We offer a simpler way to sign up for Fresenius employees. You can use your existing Okta credentials to create a Payactiv account using the Single Sign On method.
Download the app1
Have questions? We have answers.
Have questions? We have answers.
How much money can I get from Payactiv?
Your Earned Wage Access availability is based on your earnings so far this pay period, with limits set to ensure you use the service responsibly and still get a paycheck every payday.
If you don’t have direct deposit to a Payactiv account, you can withdraw up to $4,000 per on-demand pay request, or 50% of your earned wages, whichever is lower, unless your employer chooses a different limit. If you have your direct deposit to a Payactiv account, the limit is $5,000 per EWA transfer.
Is credit score a factor in using Payactiv?
Payactiv is not a lending service, and your use of Payactiv is completely separate from your credit. Your credit score and credit report are not considered when you use Payactiv, and Payactiv activity is not reported to the credit bureaus.
How long does it take to get the money?
Transfers to a Payactiv card are free and near-instant. For a fee, you can also send real-time transfers to a debit card, Venmo, PayPal, or a Walmart MoneyCenter cash pickup location. Free ACH transfers to a bank account typically take 1 to 3 business days.
How much does it cost?
Most Payactiv services are completely free, including eligible EWA transfers to a Payactiv Visa Card account or a linked bank account. Our financial wellness tools are also completely free.
If you transfer funds to a Payactiv Visa Card and don’t have direct deposit to your Payactiv account, the fee is $2.49 per EWA transfer. Real-time transfers to non-Payactiv debit or payroll cards, Walmart cash pickup, and transfers to Visa+ Wallets, including Venmo and PayPal, cost $4. You can find all pricing details here.
Is the Payactiv card a credit card?
No. It is Visa prepaid debit card is issued by Central Bank of Kansas City, Member FDIC, pursuant to a license from/by Visa U.S.A.
© 2026 Payactiv, Inc. All Rights Reserved
24 hour support: 1 (877) 937-6966 | [email protected]
* The Payactiv Visa Prepaid Card and the Payactiv Visa Payroll Card are 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.
** Central Bank of Kansas City does not administer, nor is liable for earned wage access.
Payactiv, Inc.
NMLS ID: 2591928
Payactiv holds earned wage access services (EWA) license number 2591928EWA with the Wisconsin Department of Financial Institutions.
Payactiv holds small loan license number SLC-2591928 with the Connecticut Department of Banking.
Payactiv holds earned wage access services (EWA) license number EWA00009 with the Nevada Financial Institution Division.
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