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Benefit offered by your employer

Get paid as you earn

With Earned Wage Access (EWA) you can get a portion of the money you’ve already earned before payday and avoid high interest loans, overdrafts and late fees. Access your earned wages through the Payactiv app1 and transfer them to your existing bank account or debit card. You can even use your earned wages to pay bills, call an Uber, shop on Amazon or pick up cash at Walmart right from the app1.

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Financial Wellness at your fingertips

Access earned wages

Get up to 50% of your earned wages before payday and choose how to use them. You can transfer earned wages to your bank or card, load to AmazonCash, pickup cash at Walmart, pay for an Uber, or pay a bill, right from the app1.

Spend smarter

When you link your bank or cards, Payactiv SmartSpend can help you build good spending habits and suggest what is safe to spend.

Save as you go

Set money aside each paycheck, get financial advice, and get discounts on things like gas and prescriptions to help you reach your savings goals.

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How it works

Payactiv how it works step1

Access your earned wages

Your worked hours turn into accessible wages in the Payactiv app1

Payactiv how it works step2

Tackle daily expenses

Use wages to pay for an upcoming bill, an Uber, discounted gas, and more

Payactiv how it works step3

Automatically settle funds

On payday, the wages you accessed show as deductions on your paycheck

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

Join Payactiv!

  • No cost to sign-up
  • No maintenance fees
  • Cancel anytime
  • No credit check (this is not a credit card)
Create Your Account
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Have questions? We have answers.

All you need is your name, phone number, employer, and employee ID. That’s it! You can find your employee ID on your pay stub or ask your manager
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 Visa Card* is that your earned wages transfer real time to the card and there’s no processing fee for those transfers.

The Payactiv Visa Card* has no monthly fees*, no inactivity fees* and no hidden fees*.

Transfers to bank accounts through ACH and completed within 48hrs. Debit card transfers can be made in real-time for $1.99 fee.

Transfers to the Payactiv Visa Card* are made in real-time 24/7/365 and there is no transfer cost.

Bank transfers made after 12:50 PM EST M-F are processed the next business day.

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