Earned money, for life
Life doesn’t always line up with payday. Payactiv helps close the gap by giving you access to wages you’ve already earned, plus tools to move, manage, and make the most of your money—so you can keep moving forward with confidence.
Access within reach
Access when timing matters
Having access to your earnings as bills, errands, and unexpected expenses arise, helps you stay ready for whatever’s next.
Access made simple
You work hard for your money, so we make getting it easy with a variety of transfer options so you’re always in control.
Access for what’s next
Use savings, bill pay, education and guidance tools that can help you plan ahead and move forward confidently.
How it works
For when life and payday are not in sync
1
Work and earn
Work your scheduled shifts and we’ll automatically get that data from your employer.
2
See what’s available
Open the Payactiv app to view the earned wages currently available to you.
3
Move what you need, when you need it
Transfer available earned wages with many fee-free and low-cost expedited options.
4
Plan, manage and move forward
Track your activity, pay bills, set money aside and use the tools available in your Payactiv App to help you plan ahead–all in one easy to use place.
5
Settle up automatically
Money you access is automatically deducted from your next paycheck and shows as a line item on your pay stub, so there’s no action needed from you on payday.
What you can do with Payactiv
Tools to keep you and your money moving
Earned Wage Access
Access a portion of wages you already earned, before your usual payday.
Payactiv Card
Use your Payactiv Card to access earned wages and make everyday purchases everywhere Visa debit is accepted.
Bill Pay
Pay bills directly from the app to prevent late fees and payment delays.
Discount Marketplace
Find exclusive discounts and offers that can help you save on everyday purchases.
Saving Tools
Create custom goals and automatically set money aside for what’s important to you.
Financial Education
Explore articles and resources designed to support greater financial knowledge and confidence.
Tips & Mileage
Get cashless same day access to eligible tips and mileage reimbursements directly to a Payactiv Visa Card.
Financial Counseling
Connect one-on-one with independent financial professionals for guidance on budgeting, debt, and planning.
See it in Action
How Payactiv moves you forward
Rest easy between paychecks
You have an unexpected expense before payday and want breathing room without using credit or loans.
Access what you earned
Open Payactiv, view available Earned Wage Access, and move what you need to your card or account.
Pay, then reset on payday
You cover the expense now and repayment is handled automatically from your paycheck on payday.
"Helped me get to my momma before she passed away… gave me a couple of days to spend with her before she passed…. Otherwise I'd have had to wait for payday and wouldn't have seen her before she passed."
— Payactiv user
"The best moment to share would be in February of this year, as my sister was in the hospital before she passed. Thanks to being able to have early access to my wages, I was able to make several necessary trips to be with her during her time off sickness. Thank you from the bottom of my heart! I use it all the time and I'm always completely satisfied."
— Payactiv user
"I've been struggling with pop-up bills since my liver transplant. UKG Wallet has helped me anytime I've been in a pinch! Because so much of what I make goes to medical bills (my Transplant was a million dollars!), Wallet is there for me to be able to put food on my table for my daughter and I"
— User of UKG Wallet powered by Payactiv
"A Moment UKG Wallet Was There for Me: Recently, I had an unexpected car repair that couldn't wait until payday. Thanks to UKG Wallet's earned wage access, I was able to access a portion of my paycheck instantly and cover the bill without stress. It was a huge relief not to have to use a credit card or borrow money, and it made a real difference in my peace of mind."
— User of UKG Wallet powered by Payactiv
"Payactiv has helped me in unexpected situations like - my son had a flat tire -I was able to get money from Payactiv the next day and was able to buy a new tire for my son . It wasn't on our budget so I have to help him and glad Payactiv was the answer .it wasn't a big help !"
— Payactiv user
"I started a new job and they use UKG services and I was able to access money on my second day of employment. It was so needed and amazing. I had been out of work for almost a year so the ability to access those funds literally got me to work. I love you guys."
— User of UKG Wallet powered by Payactiv
"very pleased with the service ukg provides, has gotten me out of a pinch in between paychecks many times, recently had to replace two tires and had a week before my next paycheck, ukg allowed me to make that payment without having to owe debt on a credit card"
— User of UKG Wallet powered by Payactiv
"UKG Wallet helped me keep from being late on my car note. My pay date wasn't aligning with my car note at one time. So I was able to pay the other portion due to UKG Wallet! This feature is very very helpful!"
— User of UKG Wallet powered by Payactiv
"You all are amazing I had a bill to pay and it was before my payday 😞 the Lord guide me to pay active when I opened it up I was shocked to know I had access to over 300$ that I accessed to pay my bill I was going to pay it anyway but didn't know it was due that soon I love pay active and I share it with all my co workers"
— Payactiv user
"I was not going to make rent and payactiv had what I needed to pay my rent if it was not for this I would not have a place to stay I always make the joke I am boogie I live payactiv to payactiv not pay check to pay check"
— Payactiv user
Get Started
You’ve earned it. Keep moving.
Payactiv is available through participating employers and programs. Download the app, create an account and see which access options and tools are available to you.
Download the app
Get Payactiv from the App Store or Google Play
Create an account
You will need your name, mobile phone number, personal email, employer name, and your employee ID.
See what’s available
Sign in to view the available earned wages and tools included in your employer’s Payactiv program.
Frequently Asked Questions
Does my employer offer Payactiv?
Payactiv is available through participating employers and programs. Download the Payactiv app and create an account to see whether your employer offers Payactiv and which tools are available to you.
How do I create a Payactiv account?
Download the Payactiv app from the App Store or Google Play and create an account. You’ll need your name, mobile phone number, personal email, employer name, and employee ID. Once you sign in, you can view your accessible earned wages and tools included in your employer’s Payactiv program.