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PAYACTIV FOR XOME TEAM MEMBERS

Get paid as you earn

With Earned Wage Access (EWA) you can get a portion of the money you’ve already earned before payday and avoid high interest loans, overdrafts and late fees. Access your earned wages through the Payactiv app1 and transfer them to your existing bank account or debit card. You can even use your earned wages to pay bills, call an Uber, shop on Amazon or pick up cash at Walmart right from the app1.

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Payactiv app
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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.

Pay debt sooner

Pay bills on time and avoid late fees and penalties with Payactiv. We want to empower our team members to spend wise and save. With Payactiv team members can avoid high fees associated with Pay Day loans and avoid overdraft fees.

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Achieve your financial goals

Achieve your financial goals

With free 1-on-1 advice from a licensed coach with Kofe

Get helpful budgeting skills and savings strategies, learn about your options to reduce and pay off debt, and understand and improve your credit score.

Schedule an appointment from the Payactiv app

To get started, tap the menu icon at the top right and choose “Financial Counseling” under “Services.”

Coaching hours:

Monday – Thursday……….9:00am-8:00pm ET
Friday……………………………9:00am-5:00pm ET

Effortless savings for any budget

  • Create Unlimited personalized goals
    • Set money aside for a rainy day
    • See your financial goals grow each day
    • Plan for all your monthly expenses
  • Know how much is safe to save
  • Save small amounts automatically each day
Effortless savings for any budget

How it works

Payactiv how it works step1

Access your earned wages

Your worked hours turn into accessible wages in the Payactiv app1

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 Payactiv!

  • No cost to sign-up
  • No maintenance fees
  • Cancel anytime
  • No credit check (this is not a credit card)
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.