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Payactiv Visa® Payroll Card

Take control of your paydays

Get better visibility and control over your paydays with Payactiv. When you direct deposit your paycheck to the Payactiv Visa Payroll Card, you can get paid up to 2 days early1 and receive reimbursements and bonuses within minutes.
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Subject to successful ID verification.
We give you access to your direct deposits from employer and government payers on the day we receive them, which is typically up to 2 days earlier than your scheduled pay date.

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Payactiv Visa Payroll Card

Meet your new payroll card

Easily keep track of every deposit and transaction from Payactiv. Set up notifications and stay safe with one-click lock/unlock payroll card option. Plus, get access to saving and budgeting tools and exclusive marketplace discounts.
  • Get paid up to 2 days early1 with direct deposit
  • Receive reimbursements and bonuses in minutes
  • Surcharge-free cash withdrawals at 37,000+ MoneyPass® ATMs
  • Use everywhere Visa debit cards are accepted
  • No minimum balance requirements
  • No monthly or annual fees
  • Funds in your Payactiv Visa Card account are FDIC-insured through Central Bank of Kansas City, Member FDIC and protected by Visa’s Zero Liability3 protection.

1In order for you to be paid early, your payroll or benefits payment provider must submit the deposit early. Your payment provider may not submit the deposit early each payment period. Be sure to ask when they submit your deposit information to the bank for processing. Early deposit of funds begins upon the 2nd qualifying deposit. A qualifying deposit is defined as a direct deposit greater than $5.00 received from the same payer.
2Standard data rates from your wireless provider may apply.
3 Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your issuer for more detail.

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How to sign up

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Apply

Ask your employer how to apply for the Payactiv Visa Payroll Card.

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Activate

Download the Payactiv app, create an account, and activate your card.

You will need your Employee ID, which can be found on your pay stub.

Get paid

Use the Payactiv app to keep track of your earnings, saving and spending all in one place.

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EARNED WAGE ACCESS

Get paid on-demand with EWA

If your employer offers Earned Wage Access (EWA)4, every day you work, a portion of your earned wages will be available to you in the Payactiv app. It is totally up to you if you want to access these funds before payday to avoid high-interest loans, overdrafts, and late fees.
  • Move money to your Payactiv Visa Payroll Card any time
  • If you have direct deposit set up on your Payactiv Card, real-time EWA transfers are fee-free5!

4The Central Bank of Kansas City does not administer, nor is it liable for earned wage access.
5To qualify, you must have one (1) successful direct deposit of $200 or more to the <program name> per pay period. If this qualification isn’t met, then a load fee of $1.99 will be charged.

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Have questions? We have answers.

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The card you received from your HR manager can only be funded by your paycheck through your employer, while the card you apply for in the app can be funded by more sources. The perks, benefits, and functionality of the cards are the same.

You may check your card balance at any time by downloading the Payactiv mobile app, logging onto the Payactiv website, or by calling our customer service at (877) 937-6966.

If your payroll card says “Valued Cardholder” on it, that means that you have received the instant issue Payactiv Visa Payroll Card, with restricted load access, from your employer. To receive a personalized card with your name, please call our customer service at (877) 747-5862.

You can make surcharge-free cash withdrawals at more than 37,000 MoneyPass® ATMs. Alternatively, you can withdraw cash from any out-of-network ATM for an additional fee.
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