Exclusively For Murphy Usa Team Members
Your money, in your control
As an employee of Murphy USA, you can participate in exclusive benefits with Payactiv and get access to your earned wages. Plus, when you get the Payactiv Visa® Card*, you can receive discounts on everyday items including $0.10 per gallon gas discount at MUSA gas stations and earn referral rewards through our award-winning app.1
For a limited time, get $25 loaded onto your Payactiv Visa Card* when you apply for card and activate your physical card.2
Get ahead with your finances
Stay in control of your financial goals through access to on-demand pay, the Payactiv Visa Card*, and our award-winning app that brings earning, spending, savings and discounts—together. You can even rack up some extra rewards by participating in the Earn to Refer program, exclusively for Murphy employees.
*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.
Earned Wage Access
How does it work?
Every day you work, a portion of your earned wages will be available to you in the Payactiv app. It is totally up to you when and how you want to transfer these funds.
- Move money to your existing bank account or debit card
- Move money to the Payactiv Visa Card*
- Pick up your earned wages as cash at Walmart
- Use your earned wages to pay a bill, call an Uber, or shop on Amazon
- Automatically settle funds with the wages you accessed showing as deductions on your paycheck
Meet your new card
Save money on gas, access exclusive discounts, and get paid up to 2 days early4 with the Payactiv Visa Card*
When you set up direct deposit on the Payactiv Visa Card*, you can still access up to 50% of your earned wages and you’ll increase your maximum to $1000.
- Get 10¢ off every gallon when you purchase gas at a Murphy USA gas station, no gallon limits
- Get paid up to 2 days early4
- Make real-time transfers from any bank or card
- Send money to other Payactiv Visa Card cardholders
- Automate bill payments
Refer & Earn
Interested in extra earnings? We’ve made it seamless for you to earn more by referring a coworker or customer. With our program, you get $ and they get $. There’s no limit to how many people you can refer.3 It’s a win-win!
Gear up to earn
Apply for the Payactiv Visa Card and download the Payactiv App on your phone. You will need these to participate in the Earn to Refer Program.
Find your Unique Code
Click the Earn to Refer button in your Payactiv App and use your unique SMS link or QR Code to refer customers or coworkers.
Get rewarded
Once the referred employee or customer activates their physical Payactiv Visa Card, you will both earn $. Earnings will be transferred to your Payactiv Visa Cards*.
Don’t just take our word for it
See what Murphy USA customers have to say about Payactiv
Join today!
- No cost to apply
- No recurring cost*
- Cancel anytime
- No credit check since this is not a credit card
Have questions? We have answers.
What do I need to sign up?
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.
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.
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© 2025 Payactiv, Inc. All Rights Reserved
* 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 1 (877) 747-5862, 24 hours a day, 7 days a week.
1 Standard rates for data and messaging may apply from your wireless service provider.
2 You must activate your Payactiv Visa Card to be eligible for a reward. The offer is only valid if you apply for the Payactiv Visa Card between 2/7/2022 to 5/31/2022 at 11:59 PM PDT. Reward is generally deposited to Payactiv Card within 30 days of final qualifying card activation. Limit of one reward per customer.
3 You must activate your Payactiv Visa Card to be eligible for a referral reward. The offer is only valid for referrals made using your unique link in the Payactiv app between 2/7/2022 to 5/31/2022 at 11:59 PM PDT, and your referred co-worker must activate their Payactiv Visa Card by 6/30/2022 at 11:59 PM PDT to qualify. Rewards are generally issued to Payactiv Visa Cards within 30 days of qualifying activations. The value of this offer or program may result in miscellaneous income, and we may be required to send you and file with the IRS a Form 1099-MISC. You are responsible for any tax liability related to participating. Available to Murphy USA employees only. This offer is subject to change and may be canceled at any time without notice.
4 Many (but not all) employers, government benefits providers, and other originators send direct deposits early with an effective date of 1-2 days later. Beginning with your second direct deposit of at least $5 from the same source, Central Bank of Kansas City (CBKC) will post the funds to your Payactiv Visa Card when we receive it, rather than on the effective date. This may result in your having access to the funds sooner. The date CBKC receives your direct deposit and the effective date are controlled by the originator.
Some features of the Payactiv app are not sponsored, endorsed, administered by, or associated with Central Bank of Kansas City, the issuer of the Payactiv Visa Card, who has no liability in relation to the Payactiv App.
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.
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