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Earned Wage Access

Improve recruitment and impact the daily lives of your workforce with Payactiv, the innovator of Earned Wage Access. 

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Earned wage access provider app

9 of 10 employees want Earned Wage Access

Want employer sponsored EWA
0 %
Will stay longer if you offer EWA
0 %
Will switch jobs to get EWA
0 %

Source: Visa research on the impact of Earned Wage Access on employee wellness, satisfaction, and productivity.

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Their money when they need it:
The benefits of Earned Wage Access.

Instant Access to earned wages
FastAccess

Instant Access

Users can access their earned wages and transfer to their bank account, Payactiv card, or pick up cash at Walmart. We front the money.

Gear

There is more

Pay a bill, call an Uber and get daily necessities from Amazon with EWA funds directly from the Payactiv app.

Savings

Low or NO Cost

Both free and low-cost options help save an average of $200 a month in overdrafts, late fees, and high-interest loans.

Eligible

Works for everyone

Exempt, non-exempt, part-time, salaried, everyone can access their earned wages from day one through an easy opt-in enrollment process.

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Their money when they need it

Users can immediately access money in their bank account, load it on a Payactiv card, or pick up cash at Walmart.
Both free and low-cost options help employees save an average of $200 a month in overdrafts, late fees, and high-interest loans.

They can even use their earned wages to call an Uber and get daily necessities from Amazon, or pay bills directly from the Payactiv app.

All of your employees are eligible for this benefit from day one through an easy opt-in enrollment process.
2M+ workers have saved $400M+ with Payactiv.
52K Reviews
4.8/5

From fortune 500 to small businesses
4 reasons companies choose Payactiv as their Earned Wage Access Provider

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Improves Hiring and
Retention

Payactiv is proven to increase retention by an average of 30% and can save businesses millions in turnover cost.

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Seamlessly Integrates with
Existing Systems

Payactiv partners with all major HCM, payroll and T&A providers like ADP, Paychex, Kronos and over 70 others.

Streamline

Streamlines Payroll
at No Cost

Payactiv fronts the money requested by your employees and is paid back when you process payroll normally. It’s a zero-cost benefit that requires no change to cash flow.

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Reduces Employee
Financial Stress

Timely access to earned wages helps tackle day to day finances without worry. The app also includes free financial learning and counseling, discounts, and goal-based savings.

Don’t just take our word for it

Our attrition has been cut almost in half.
-Robert Dechant, CEO IBEX
Employees who used the app had 20% lower turnover.
- Todd Baker, Senior Fellow Columbia Business School
In the first three months, we've had over 50% enrollment.
- Lori Brown, Chief Experience Officer, The Results Companies

Learn how Earned Wage Access benefits your business

Talk to a Payactiv Specialist

Have questions about Earned Wage Access?
We have answers

Get more answers

EWA is a service that allows employees immediate access to their earned but unpaid wages before payday. This flexibility helps employees manage financial needs in real-time without relying on payday loans or overdrafts.

Once a business is partnered with Payactiv, employees can access a portion of their earned wages via a simple opt-in. They can transfer funds to their bank, load them onto a Payactiv Visa® Card*, or even pick up cash at Walmart. Payactiv fronts the funds, which are then repaid upon regular payroll processing.

Payactiv’s EWA is available to employees of organizations that are partnered with Payactiv. Your business must be enrolled first.

Yes, these terms are used interchangeably and refer to giving employees the ability to access earned wages whenever they need it, instead of waiting for payday

EWA is a zero cost benefit for employers that can improve hiring, retention, and employee satisfaction. We integrate seamlessly with existing payroll systems and streamline payday. Employees report reduced financial stress with access to a lifeline that helps them avoid costly fees associated with borrowing money.

Today, Payactiv is the only EWA provider to provide 5 free options – only charging for expedited delivery – to access earned wages:
  • ACH bank transfer (1-3 business days)
  • Uber Rides
  • Amazon Load
  • Bill pay
  • Payactiv Visa® Card* (instant with a Direct Deposit of $200 or more per pay period)
EWA enables employees to avoid late fees, overdrafts, and payday loans. Learn more: https://www.payactiv.com/program-pricing/

No. EWA is low or no-cost access to wages employees have already earned, whereas payday loans charge high fees and can lead to debt cycles. EWA through Payactiv is affordable, responsible, and directly tied to hours worked.

EWA apps, like Payactiv, allow employees to view and access earned wages instantly. These apps integrate with payroll systems to facilitate real-time access, and Payactiv’s app1 also enables payments for bills, Uber rides, and purchases directly. 1Standard data rates may apply from your wireless service provider.
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Our mission is to help more people have access to the best financial services at the best possible price—zero.