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Time is money we help you with both

Employee financial wellness benefit offered in partnership with your employer.

  • Get paid as you earn
  • Spend smarter
  • Save as you go

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1-minute video on How it Works

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How does Payactiv help?

Avoided late fees
0 %
Avoided overdrafts
0 %
Avoided payday loans
0 %

30,000+ survey participants

Your money in your hands

Payactiv app

With Payactiv you don’t have to wait for payday to get paid. If an expense comes up, you can take from what you’ve already earned (up to $500) anytime, and get the remainder on payday. 

51,957 reviews
4.8 star ratings

4.8/5

Get more from what you already have

Discounts

Discounts

Save with discounts, up to 80% on prescription medicine and 10 cents per gallon gas discount at MurphyUSA.

Financial counseling

Financial counseling

Get free consultation over phone on budgeting, paying off debt, or building credit.

Savings plan

Savings

Want to start a savings plan? Our app helps you stay on track with your spending and saving goals.

2+ million use Payactiv to live today and save for tomorrow

User testimonials
There are times Payactiv was the only reason I could pay bills, get gas and even eat.
- Payactiv user since 2019
Payactiv is always there for me when I need it. Can't live without it.
- Payactiv user since 2020
Its helped me more times then I can count. Desperately need money at times and I can always count on Payactiv.
- Payactiv user since 2020
It's been a great help keeping my family afloat after my wife lost her job due to the pandemic.
- Payactiv user since 2020
Payactiv is a great app. I have access to the money I need when I need it. Payactiv is incredibly convenient.
- Payactiv user since 2020

It's easy to use and all employees are eligible

  • No credit check. It’s not a loan.
  • Unlike other apps, you don’t need to upload timesheets.
  • No interest is charged and no tips! Only $1 when you use it.
  • Payactiv does not withdraw from your bank account. A bank account is not required to use Payactiv.
  • You can transfer your money to a bank, card, or pick up cash from a Walmart Money Center.
Get started
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Join today!

Your earnings, your savings, and your spending with you in control.

  • No cost to sign-up
  • No recurring cost
  • Cancel anytime
  • No credit check
Create your account
Payactiv App Card Make livelihood yours

Have questions? We have answers.

Just your name and mobile phone number. That’s it.

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.

No. You can transfer the earned wages to any bank or card.

The benefit of using the Payactiv card is that your earned wages transfer instantly to the card and there’s no processing fee for instant transfers. 

The Payactiv Visa Card is a prepaid debit card with no fees monthly fees, inactivity fees or minimum balance requirement.

You can transfer to the Payactiv Card or your personal card in real-time for free for less than $3. ACH  bank transfers are completed in 1-3 business days.

There is no catch! It’s just your money in your hands. It’s not a loan and has no hidden fees. Ever.