We make pay and the pace of life feel more in sync
Take care of today
From groceries, to gas, to bills. Access your available earnings midweek as expenses pop up.
Flexibility in the moment
Some expenses aren’t always planned. Your earned wages are ready to go when you are.
Stay one step ahead
Whether you’re saving for a rainy day or the holidays, you can plan and save for what’s next.
Tools to keep you and your money moving
Earned Wage Access
Access your earned wages before your usual payday
Payactiv Visa Card
The card made to work as hard as you do
Custom goal-based saving†
Create custom saving goals for what’s next
Discount marketplace
Explore discounts on everyday items
Automated bill pay
Pay bills on time using your earned wages
Financial counseling
Talk to a financial professional
Available features, limits, fees, and eligibility may vary by employer and location.
†Requires a Payactiv Visa Card. Additional terms may apply.
How Earned Wage Access works
You work hard to earn it, and we help make it accessible.
1
Work your shift and we’ll calculate your earnings
2
Check the app to see how much you have available
3
Use earnings for what you need, when you need it
4
We’ll automatically deduct the amount from your next paycheck, no action needed on payday
The Payactiv Visa® Card
The simple card where control meets convenience
Access earnings fee-free with qualifying direct deposit
Get paid up to 2 days early
Use your card anywhere Visa is accepted
Tap with Apple Pay or Google Pay
Get cash from a surcharge-free MoneyPass ATMs
No hidden, minimum balance, or maintenance fees
FDIC Insured and Visa-backed with fraud protection
A little setup goes a long way
Some easy steps to get the most out of your Payactiv experience
Connect your accounts
Add a bank account or debit card to make those options available while accessing your earnings
Turn on notifications
Stay up to date on your account and get alerts for updates and special promotions
Set up direct deposit
Set up direct deposit to your Payactiv Card to unlock extra benefits and easily access your pay
Get started with Payactiv today!
Payactiv is available through participating employers and programs.
1
Download the App
Get Payactiv from the App Store or Google Play
2
Create an Account
You will need your name, mobile phone number, personal email, employer name, and your employee ID (found on your paystub).
3
See what’s available
Sign in to view the available earned wages and tools included in your employer’s Payactiv program.
"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
Frequently asked questions
Is Payactiv free for employees?
There is no cost to get started and no enrollment or activation fees. Many services are free. A transaction fee may apply to instant Earned Wage Access transfers, but real-time EWA transfers are free with a qualifying direct deposit of $200 or more per pay period to the Payactiv Card.
When can I access my earned wages?
As you work, a portion of your earned wages becomes available to access through Payactiv. Check the Payactiv app to see your available amount and access your money when you need it.
How much of my paycheck can I access?
The amount depends on your employer’s Payactiv settings. In most cases, employees can access up to 50% of earned wages, with a maximum of $500 per pay period. With direct deposit set up to the Payactiv Visa Card, you may be able to access up to $1,000 per request.
Does using Payactiv affect my regular paycheck?
The amount you access is automatically deducted from your next paycheck and appears as a line item on your pay stub. There is no interest — it’s simply access to money you’ve already earned.
Who is eligible to get the Payactiv Visa® Card?
Anyone in the United States, who is 18 years or older may apply for a Payactiv Visa® Card. No bank account is required and there is no credit check nor is your credit affected because it’s not a credit card.
How much does it cost to get the Payactiv Visa® Card?
Nothing. There are no enrollment or activation fees, no monthly usage fees, no activity requirements, and no minimum balance requirements. You can get started and use the card for direct deposit and purchases at no cost.