Hello Spar Team
Welcome to Payactiv
Spar has partnered with Payactiv to offer employees on-demand access to wages you’ve earned from hours you’ve already worked directly into your bank account or the Payactiv Visa® Card.* No loans, no interest—just your money, in your hands.
* This is a Payactiv Visa Prepaid Card issued by Central Bank of Kansas City, Member FDIC, pursuant to a license from Visa® U.S.A. Inc.
Financial wellness at your fingertips
Access earned wages
Get up to 50% of earned but unpaid wages and choose how to use them. The program fee is $1 for single or multiple transactions on the day you access funds, capped at $5 for a bi-weekly pay period.
Max amount you can access is $500 or less and depends on hours worked, amount already accessed, and company payroll cycles
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 movie tickets and prescriptions to help you reach your savings goals.
Meet the Payactiv Visa Card
You can get FREE access to your earned wages when you set up direct deposit to the Payactiv Visa Card!
- No cost to sign-up
- No recurring cost
- Cancel anytime
- No credit check
- No minimum balance
Our app is loved by more than 60k people
“This app is a life safer! Not to mention easy to use and always there when I need it!.”
– Payactiv User
“The ability to not only access your pay early but also to directly pay your biller is a life saver!! Thank you, Payactiv!”
– Payactiv User
How it works
Access your earned wages
Your worked hours turn into accessible wages in the Payactiv app
Tackle daily expenses
Get your earned wages when you them. Transfer to your bank, card or pick as cash.
Automatically settle funds
On payday, the wages you accessed show as deductions on your paycheck
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.