Earned Wage Access, built for the way you work
Works alongside payroll
Give employees more flexibility without changing processes.
Always a free option and never any tips
We make it so people don’t have to pay to access their money.
Access with guardrails
Eligibility and program controls to preserve wages for payday.
*Conservative estimate based on user data
Go further with Payactiv
Give employees more flexibility without disrupting payroll processes
Increase workforce retention, engagement and financial stability
Create a more competitive offering built for today’s workforce
Offer greater employee choice with multiple access options
Meet workforce needs without adding operational burden
Embed solutions to strengthen your platform adoption and value
Meet with our team to see what’s possible
Book a Demo
Earned Wage Access that fits the way you work
Whether you’re bringing EWA to your workforce or delivering it through your platform, Payactiv works with the systems, experience and program model already in place.
Connect to the systems you use
Payactiv works across payroll, HCM and workforce systems to make Earned Wage Access easier to bring to employees.
Deliver it your way
Offer EWA through Payactiv or within an existing experience, with flexibility around how the program is delivered and branded.
We handle the complexity
So you can focus on your clients and your business.
The positive impact of Payactiv
Supporting employees with access to earned money creates measurable outcomes for your workforce and your business. Employees gain greater flexibility to manage everyday life, while employers strengthen recruitment, improve retention and build a more engaged workforce—all while continuing to run payroll as usual.
71
%
improved financial
stability
16
+
hours of productivity
gained per month
36
%
improvement in
employee turnover
$
1
B
saved in turnover costs
by businesses
It was such an easy lift for our team to get up and running. We pay 20,000+ employees biweekly with just three payroll staff members. And Payactiv has not put anything additional on our plate to maintain.
– Melanie Ryan, Payroll Manager
HEALTHCARE
Norman Regional Health System Reduced Employee Financial Stress and Boosted Retention
Read Case Study
The level of gratitude we’ve received from our employees for helping them address their financial worries has been overwhelming. But for us, the best thing is knowing that our people are now in a place where they can function at their best both personally and professionally.
– Brittni McGill, Chief Nursing Officer and Co-Chair of NRHS’ Recruitment and Retention Committee
NON-PROFIT
How the YMCA of Metropolitan Dallas implemented Payactiv in under a month and strengthened recruiting
Watch Video
When we discovered Payactiv, it was a no-brainer. It was a great way to help out our employees with their financials and stress.
– Susan Desilets, AVP of Human Resources
MANUFACTURING
How Reser’s Fine Foods Turned Pay Flexibility into a Retention Advantage
Read Case Study
Our employees no longer have to choose between waiting for payday and paying a bill on time.
– Teri Shook, Manager, HRIS and Payroll
Explore the Growth Lab
Ready to bring Earned Wage Access to your workforce?
Give employees access to the money they’ve already earned while keeping your existing payroll process in place. Payactiv helps you launch, manage and grow so you can operate with confidence.
Frequently asked questions
What is Earned Wage Access?
Earned Wage Access (EWA) gives eligible employees access to a portion of wages they have already earned but have not yet been paid. Offered through employers and payroll providers, EWA gives employees more flexibility over when they can access their earned money while working alongside the existing payroll cycle.
Why do employers offer Earned Wage Access?
Employers use Earned Wage Access to help employees bridge the timing gap between life and payday while supporting retention, engagement and workforce wellbeing.
Does Earned Wage Access change payroll processes?
No. Payactiv works alongside your existing payroll process. Employees are still paid on their normal payday, while accessed amounts are reconciled through payroll.
How does Payactiv calculate available earned wages?
Payactiv uses validated payroll and workforce data together with your organization’s program settings to determine eligible earned wages.
How does Payactiv integrate with our payroll and time-and-attendance systems?
Payactiv connects to 150+ payroll and workforce systems, with active partnerships including ADP, Paychex, UKG, Paycor, Oracle, and Workday. Setup requirements depend on your existing systems — contact Payactiv for a timeline specific to your organization.
What does Earned Wage Access cost the employer?
Employers can offer Payactiv Earned Wage Access to employees at no cost.
How long does implementation take?
Timelines vary by integration path. For technology partners, Referral integrations can go live immediately and Reseller integrations typically go live within weeks, with embedded SDK setups taking just days; API integration takes longer depending on the partner’s existing stack. A direct, non-partner employer rollout depends on your current payroll and time-and-attendance setup — contact Payactiv for a timeline specific to your organization.
Is Earned Wage Access a loan?
No. Employees access money they’ve already earned through their employer’s Earned Wage Access program. It is not a loan or an advance against future earnings.