Payactiv Visa® Card
Access what you earn on your Payactiv card
An employer-connected Payactiv Visa® debit card for simple, transparent access to your earned pay, spending, and ATM withdrawals.
Flexibility without unnecessary fees
No overdraft fee
Spend only what is available, with clear balances and history.
No monthly or annual fees
Keep more of your money with no hidden monthly or annual fees.
No minimum balance fees
Use your card freely with no minimum balance and no hidden fees.
Built for everyday life
The Payactiv Card is designed to help you receive and use your earnings simply and securely. Whether it’s earned wage access or your regular paycheck, your money moves directly to you — without delays or unnecessary fees.
Receive your earnings at the speed of life
Banking access without barriers
Everyday transactions made simple
Spend anywhere Visa is accepted
Use your card online, in-store, and worldwide wherever Visa works.
Surcharge-free ATMs withdrawals
Get cash when you need it at nationwide surcharge-free ATMs.
Pay bills directly in the app
Pay utilities, rent, and other bills directly from the Payactiv app.
Send and receive money
Move money to friends, family, or your bank in a few taps.
Turn access into progress
Discount marketplace
Unlock everyday discounts on gas, groceries, and more through the Payactiv app.
1-1 financial coaching
Talk with financial coaches for personal guidance on budgeting, debt, and goals.
Real time alerts
Get instant alerts for deposits, purchases, and low balances to stay in control.
SmartSpend budgeting
See safe-to-spend guidance based on upcoming bills and your earnings.
Automated savings tools
Set aside money automatically into goal-based savings purses inside the app.
Protected and secure
FDIC insured through partner bank
Visa Zero Liability
Lock and replace lost cards
24/7 support
Apply Today
You can apply for a Payactiv Card directly from the Payactiv App:
Frequently Asked Questions
What is the Payactiv Visa® Card?
The Payactiv Visa Prepaid Card is a prepaid Visa card available to both Earned Wage Access users and non-EWA users. You can use it to deposit funds, pay bills, withdraw cash at ATMs, and make retail or online purchases anywhere Visa debit cards are accepted. With direct deposit to the card, you can receive paychecks up to 2 days early and government benefits up to 4 days early.
Who is eligible to get the Payactiv Visa® Card?
Anyone in the United States, who is 18 years or older may apply for a Payactiv Visa® Card. No bank account is required and there is no credit check nor is your credit affected because it’s not a credit card.
How much does it cost to get the Payactiv Visa® Card?
Nothing. There are no enrollment or activation fees, no monthly usage fees, no activity requirements, and no minimum balance requirements. You can get started and use the card for direct deposit and purchases at no cost.
Is the Payactiv Visa® Card a credit card?
No. The Payactiv Visa® Card is a prepaid card, not a credit card. No credit check is required to open an account, and activity is not reported to any credit reporting agency, so it should not affect your credit score.
How long does it take to receive my card?
After approval, your virtual Payactiv Visa® Card is available in the Payactiv app immediately and can be used for online purchases, mobile wallets, and other eligible transactions. Your physical card typically arrives within 7 to 10 business days.
What is the routing number for my Payactiv Visa® Card?
The routing number for Payactiv Visa® Card accounts is 101019084. This is the routing number of our banking partner, Central Bank of Kansas City. You can view or copy your unique account number and the routing number on the Card page in the Payactiv app.
Is the Payactiv Visa® Card FDIC insured?
Payactiv funds are FDIC-insured through Central Bank of Kansas City, Member FDIC. FDIC insurance limitations apply.
How do I get a replacement card if mine is lost or stolen?
If your card is lost or stolen, log in to the Payactiv app immediately and lock the card to prevent unauthorized transactions. Then open the Card page, tap Manage Card, tap Replace your card, and follow the prompts to order a replacement. New cards typically arrive in 7 to 10 business days. You can also order a replacement by calling Payactiv Card customer service at 877-747-5862.