The Payactiv app puts you in control of your earning, spending, and saving so you can access your pay when you need it, stretch every dollar, and achieve your financial goals faster.
We created Earned Wage Access (EWA) so you can access a portion of your paycheck as soon as you earn it, without waiting for paydays. You can even schedule automatic payments. That means more financial freedom for you and your family.
* The Payactiv Visa® Prepaid Card is issued by Central Bank of Kansas City, Member FDIC, pursuant to a license from Visa U.S.A. Inc.
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Payactiv is the inventor of Earned Wage Access and the maker of the Payactiv app, an all-in-one digital wallet that gives people more control with how they earn, spend, and save their money.
Creating a Payactiv account is free for all users and contains many free features including bill pay, discounts, financial counseling, and budgeting and savings tools. If your employer offers EWA, you can view disbursement options and fees at payactiv.com/program-pricing. Payactiv Visa Card users with direct deposit (minimum required) enjoy free real-time EWA transfers and additional exclusive discounts.
We recommend linking your primary bank account in the Payactiv app to ensure the best possible experience. It gives us the ability to give you better guidance with what is safe to spend and what is safe to save when we have this information. It also allows you to easily transfer money from your existing debit card to the Payactiv Visa Card.
The Payactiv Visa Card is a reloadable prepaid card that can be used for purchases everywhere Visa debit cards are accepted. You can only spend the money that you load on the card. It is not a credit card and applying for it and using it does not affect your credit score.
Payactiv is not a bank, we are a financial technology company that offers banking services provided by the Central Bank of Kansas City, Member FDIC.
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* The Payactiv Visa Prepaid Card is issued by Central Bank of Kansas City, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Certain fees, terms, and conditions are associated with the approval, maintenance, and use of the Card. You should consult your Cardholder Agreement and the Fee Schedule at payactiv.com/card411. If you have questions regarding the Card or such fees, terms, and conditions, you can contact us toll-free at 1-877-747-5862, 24 hours a day, 7 days a week.
** Central Bank of Kansas City is the issuer of the Payactiv Visa Prepaid Card only and does not administer, endorse, nor is liable for the Payctiv App.
1 Many (but not all) employers, government benefits providers, and other originators send direct deposits early with an effective date of 1-2 days later. Beginning with your second direct deposit of at least $5 from the same source, Central Bank of Kansas City (CBKC) will post the funds to your Payactiv Visa Card when we receive it, rather than on the effective date. This may result in your having access to the funds sooner. The date CBKC receives your direct deposit and the effective date are controlled by the originator.
2 Visa Zero Liability policy covers U.S.-issued cards only and does apply to ATM transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit http://www.visa.com/security.
3 Standard rates for data and messaging may apply from your wireless provider.
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