Generated by All in One SEO v4.9.9, this is an llms.txt file, used by LLMs to index the site. # Payactiv Employee Financial Wellness Program ## Sitemaps - [XML Sitemap](https://payactiv.com/sitemap.xml): Contains all public & indexable URLs for this website. ## Posts - [How Edgewood Healthcare Strengthened its Total Rewards Strategy with Payactiv](https://growth.payactiv.com/payactiv-edgewood-healthcare-case-study) - Customer Success Story: Reducing Financial Stress with Earned Wage Access. How Edgewood Healthcare Strengthened its Total Rewards Strategy with Payactiv. - [How Surgery Partners Improved Retention by Reducing Financial Stress.](https://growth.payactiv.com/payactiv-surgery-partners-case-study) - Customer Success Story: Reducing Financial Stress with Earned Wage Access. How Surgery Partners Improved Retention by Reducing Financial Stress. - [Payactiv Wins Gold at the 2026 TITAN Business Awards for FinTech & Digital Payments](https://payactiv.com/press/titan-business-awards-2026/) - We are honored to share that Payactiv has received the Gold Award in the Product & Services – FinTech & Digital Payments category at the 2026 TITAN Business Awards. This recognition affirms that our approach to Earned Wage Access (EWA)¹ — one that puts workers' financial well-being at the center — is setting the standard - [Nurses & Hospital Week 2026: Putting Financial Security at the Forefront of Benefits](https://payactiv.com/blog/nurses-hospital-week-2026/) - Nurses & Hospital Week celebrates the contributions nurses make to our healthcare system. It's also important to remember their year-round financial wellness. - [Is Mileage Reimbursement Taxable? A Payroll Leader's Guide](https://payactiv.com/blog/is-mileage-reimbursement-taxable-a-payroll-leaders-guide/) - Is Mileage Reimbursement Taxable? Managing mileage reimbursement for your team can be simple, but it’s vital to handle taxes correctly. A little mistake in the mileage reimbursement process for your business could turn into a costly problem, so it’s worth taking the time to understand if mileage reimbursement is taxable and how mileage reimbursement taxes - [Earned Wage Access: The Evolution of the Pay Cycle](https://growth.payactiv.com/smartbrief-panel-recording-page-032026) - In this SmartBrief panel, Payactiv CEO Safwan Shah—pioneer of Earned Wage Access—shares how the category emerged, how it works alongside payroll, and why the way EWA is implemented will define outcomes for both employees and employers. - [Payactiv Wins 2025 FinTech Cloud Award for Best FinTech in Payroll, Expenses, and Employee Benefits](https://payactiv.com/blog/fintech-cloud-award-2025/) - We are honored to share that Payactiv has received a top award in the Best FinTech for Payroll, Expenses, and Employee Benefits category at the 2025 FinTech Awards, presented by The Cloud Awards. This recognition from The Cloud Awards confirms that Earned Wage Access (EWA)1 is now a core part of how people receive their - [Payactiv Licensed in Wisconsin Following EWA Legislation Enactment](https://payactiv.com/blog/payactiv-licensed-in-wisconsin-following-ewa-legislation-enactment/) - Payactiv is proud to be a licensed earned wage access (EWA) provider in the state of Wisconsin, following the passage of bipartisan legislation and its signing by Governor Tony Evers in March 2024. The Wisconsin Legislature passed Assembly Bill 574, establishing a clear regulatory framework for EWA providers, and Governor Evers signed the bill into - [Payactiv Becomes Licensed EWA Provider in Indiana](https://payactiv.com/press/payactiv-becomes-licensed-ewa-provider-in-indiana/) - Payactiv is pleased to announce that we are now a licensed earned wage access (EWA) provider in Indiana. Securing this licensure underscores our commitment to helping employees across Indiana access their earned wages responsibly. Governor Eric Braun signed House Bill 1125 into law on May 6, 2025. The new law recognizes the unique features of - [Payactiv Becomes Licensed Earned Wage Access Provider in Connecticut](https://payactiv.com/press/payactiv-becomes-licensed-earned-wage-access-provider-in-connecticut/) - Payactiv is proud to be among the first Earned Wage Access (EWA) providers to receive a license in the state of Connecticut. This milestone reflects our continued commitment to operating within clear regulatory frameworks while expanding access to responsible financial tools for workers. With this license, employers and employees across Connecticut can confidently access Payactiv’s - [Payday Pulse: Where Americans Are Most Burdened By Household Debt](https://payactiv.com/blog/payday-pulse-where-americans-are-most-burdened-by-household-debt/) - Household debt is not just a number on a statement. For many families, it becomes the tool they use to keep life moving when costs hit before cash does. Payactiv partnered with Visual Capitalist to map where household debt is creating the greatest pressure. In Payday Pulse: Where Americans Are Most Burdened By Household Debt, - [Payday Pulse: America’s Growing Mountain Of Debt](https://payactiv.com/blog/payday-pulse-americas-growing-mountain-of-debt/) - Debt in America is often framed as one big, abstract number. But for many working households, debt shows up in countless daily decisions, from what to pick at the grocery store to juggling utility bill due dates. While some people use debt as a tool to reach important goals, like homeownership, it can be financially - [Introducing Payday Pulse: 5,000 Years of Wages in One Giant Timeline](https://payactiv.com/blog/introducing-payday-pulse-5000-years-of-wages-in-one-giant-timeline/) - Payday has never been static. Today, it matters more than ever. We’re excited to share Payday Pulse: 5,000 Years of Wages in One Giant Timeline, a new infographic created in partnership with Visual Capitalist that traces how wages have evolved over thousands of years, from in-kind rations to modern payroll systems, and why the way - [Payactiv Becomes a Licensed Earned Wage Access Provider in Maryland](https://payactiv.com/blog/payactiv-becomes-a-licensed-earned-wage-access-provider-in-maryland/) - Payactiv is proud to now be a licensed Earned Wage Access (EWA) provider in the state of Maryland. In becoming licensed, Payactiv commits to upholding consumer protections enumerated in the Earned Wage Access Credit Modernization Act passed last year.This licensure is a positive step for both employers and workers in the state, who can continue - [A Win for Workers: New 2025 CFPB Advisory Opinion Confirms EWA is Not a Loan](https://payactiv.com/blog/a-win-for-workers-new-2025-cfpb-advisory-opinion-confirms-ewa-is-not-a-loan/) - Payactiv applauds the federal Consumer Financial Protection Bureau (CFPB) on the release of a new Advisory Opinion affirming earned wage access (EWA) is not credit under the federal Truth in Lending Act (TILA). - [Rising Costs Are Squeezing Your Employees: Here’s How You Can Help](https://payactiv.com/blog/rising-costs-are-squeezing-your-employees-heres-how-you-can-help/) - Shoes that cost $48 last year are now closer to $67. A gallon of milk is up nearly 20%, and monthly utility bills have climbed 10–15% in many states (Yale Budget Lab Report). For employees already stretched thin, these spikes aren’t just inconvenient—they’re destabilizing. The pressure shows up everywhere: at the checkout line, in grocery - [Utah Governor Cox Signs Earned Wage Access Bill into Law](https://payactiv.com/press/utah-governor-cox-signs-earned-wage-access-bill-into-law/) - On March 25, 2025, Utah Governor Spencer Cox signed HB 279, the Earned Wage Access Services Act, into law. By passing this law, Utah codifies earned wage access (EWA) products as a financial service requiring its own unique and dedicated regulatory system distinct from traditional lending frameworks. The bill requires EWA providers to register with - [Workday Integrates Payactiv to Put Financial Empowerment Within Reach](https://payactiv.com/press/workday-integrates-payactiv-to-put-financial-empowerment-within-reach/) - This Partnership Unlocks Timely Access to Earned Wages for Millions, Fueling Financial Growth for Workers and Businesses Alike SILICON VALLEY, Calif. – [July 23] – Payactiv, a leading provider of employer-integrated Earned Wage Access (EWA) and holistic financial wellness benefits, today announced it has joined the Workday partner program.a Together, Payactiv and Workday will work - [Payactiv Launches Visa+ For Fast, Timely Access to Earned Wages](https://payactiv.com/press/payactiv-launches-visa-for-fast-timely-access-to-earned-wages/) - Introducing more employee-centric options for accessing earned wage advances Milpitas, CA, April 8, 2025 – Payactiv, Inc., the pioneer and leading provider of Earned Wage Access (EWA) and employer-sponsored holistic financial wellness benefits, today announced the launch of Visa+, enabling real-time earned wage disbursements to Venmo and PayPal2. With Visa+, Payactiv is expanding how people - [Payactiv Earned Wage Access Solution Now Available on SAP® Store](https://payactiv.com/press/payactiv-earned-wage-access-solution-now-available-on-sap-store/) - Enterprise Organizations Now Have Seamless Access to Award-Winning Financial Wellness Platform That Improves Retention and Reduces Employee Financial Stress at Zero Cost to Employers SILICON VALLEY, Calif. – December 19, 2025 – Payactiv, the creator of Earned Wage Access (EWA) and a Certified B Corporation, announced its official listing on the SAP® Store, enabling SAP SuccessFactors - [Earned Wage Access vs. Wage Advances: The Real Difference](https://payactiv.com/blog/earned-wage-access-vs-wage-advances-the-real-difference/) - Not all “EWA” programs are created equal. Two models with nearly identical names—Earned Wage Access1 and Estimated Wage Advance—work in fundamentally different ways. One is employer-sponsored and payroll-integrated, giving employees safe access to wages they’ve already earned.The other bypasses employers entirely, predicts future earnings, and behaves like credit—often creating financial stress that shows up in - [Bills Don’t Take Holidays: The Hidden Volatility of Hourly Pay](https://payactiv.com/blog/bills-dont-take-holidays-the-hidden-volatility-of-hourly-pay/) - Most people assume that income volatility only happens when hours are cut or jobs are unstable. But even for full-time hourly workers with steady schedules, volatility is built into the calendar itself. Every month doesn’t offer the same number of working days. When weekends and holidays shift, a worker can earn almost 10% less income - [The Equity of a Shift: Why Every Missed Hour Costs More Than You Think](https://payactiv.com/blog/the-equity-of-a-shift-why-every-missed-hour-costs-more-than-you-think/) - In retail, a shift is more than time on the schedule—it’s equity in the business. Each hour worked carries value across revenue, service quality, and team morale. When even one shift goes unfilled in high season, the ripple effect is immediate: sales slip, customers wait longer, and permanent staff shoulder extra strain. Too often, labor - [The EWA Blueprint: Build a Program That Lasts](https://payactiv.com/resources/the-ewa-blueprint-build-a-program-that-lasts) - We listened. To workers caught between paychecks. To employers navigating the balance of cost, care, and compliance. And what we learned is clear: not all Earned Wage Access is created equal.Some models reroute payroll and put control in the hands of third parties, creating confusion for employees, compliance questions for HR, and more work for - [Why EWA Isn’t a Perk—It’s Infrastructure for Workforce Growth](https://payactiv.com/blog/why-ewa-is-not-a-perk-it-is-infrastructure-for-workforce-growth/) - Most people still think of Earned Wage Access (EWA)1 as a perk—or worse, just a faster payday. But EWA done right is something much more powerful: it’s a reliable system for workforce performance, loyalty, and long-term business impact. It’s not a transaction. It’s infrastructure. The Problem We’re Solving For too long, the gap between when - [Beyond Survival: Building a Loyalty Loop in Retail’s Busiest Season](https://payactiv.com/blog/beyond-survival-building-a-loyalty-loop-in-retails-busiest-season/) - Every holiday season, HR leaders, payroll managers, and store managers brace themselves for the same cycle: a surge in seasonal hiring, chaotic scheduling, and constant pressure to cover shifts. Q4 often becomes less about strategy and more about survival. But survival mode comes at a cost. It leads to burnout, turnover, and lost productivity—just when - [Connecticut Governor Ned Lamont Signs Bill to Restore Full EWA Access in the State ](https://payactiv.com/blog/connecticut-governor-signs-bill-to-restore-full-ewa-access/) - On July 8, Governor Ned Lamont signed SB 1396, An Act Concerning Earned But Unpaid Wage or Salary Income Advances, into law. The bill restores full earned wage access (EWA) offerings for Payactiv’s product in the state by the fall. The new law reverses prior guidance issued by the Connecticut Department of Banking in September - [Payroll Timing: The Risk Factor You’re Not Measuring](https://payactiv.com/blog/payroll-timing-the-risk-factor-youre-not-measuring/) - Workplace stress is no longer just a personal burden or an HR concern. It is a quantifiable business risk—one that silently inflates costs, weakens resilience, and erodes performance. Research from both Walking on Earth (WONE) and Harvard Business Review in June 2025 makes the case clear: organizations that ignore employee stress pay for it in - [Community Wellness Activities: Your Path to Reducing Financial Stress](https://payactiv.com/financial-learning/community-wellness-activities-your-path-to-reducing-financial-stress/) - Financial stress can feel overwhelming, but you don't have to face it alone. Community wellness activities offer affordable and supportive ways to reduce stress, enhance well-being, and improve your health. And remember, as financial stress can lead to physical stress with real bodily harm, addressing both types of stress can be important. Here’s a look - [Crowdsourcing Financial Wellness: How Online Communities Offer Support](https://payactiv.com/financial-learning/crowdsourcing-financial-wellness-how-online-communities-offer-support/) - The internet has changed how we manage our money. The digital world has revolutionized financial management, from online banking to budgeting apps and beyond. But improving your money online doesn’t stop there. You can also connect with helpful financial communities to keep you accountable and help you navigate financial decisions, which is a win-win for - [Healthy Financial Habits: Aligning Your Finances With Your Personal Health Goals](https://payactiv.com/financial-learning/healthy-financial-habits-aligning-your-finances-with-your-personal-health-goals/) - When people talk about living a healthier lifestyle, the first thoughts are often eating more vegetables, exercising regularly, and getting enough sleep. But there’s another area where your health and wellness can greatly benefit from mindful habits: your finances. By aligning your money goals with your personal health goals, you can build a more balanced, - [Investing 101 – Simple, Accessible Ways to Learn About Investing](https://payactiv.com/financial-learning/investing-101-simple-accessible-ways-to-learn-about-investing/) - Disclaimer: The information provided in this blog is for educational purposes only and should not be considered financial, investment, or legal advice. Payactiv is not a licensed broker-dealer or investment advisor. Please consult with a qualified financial professional before making any investment decisions. Financial Literacy Month is a great time to take a fresh look - [Debt Repayment Strategies: Take Control and Crush Your Debt](https://payactiv.com/financial-learning/debt-repayment-strategies-take-control-and-crush-your-debt/) - If you’re in debt in 2025, you’re not alone. Millions of Americans deal with credit card balances, personal loans, and other financial burdens. The good news? Paying off debt is possible with the right strategy and commitment. Prioritizing high-interest debt, avoiding payday loans, and creating a realistic repayment and spending plan can help you achieve - [Understanding Your Credit Score and How to Improve It](https://payactiv.com/financial-learning/understanding-your-credit-score-and-how-to-improve-it/) - What is a credit score and why does it matter? Learn more in this guide to credit health. Your credit score is one of the most important numbers in your financial life. It’s a three-digit number representing how reliable you’ve been at repaying borrowed money in the past. Lenders, and even some landlords and employers, - [Payactiv Signs MOU with the State of Maine Bureau of Consumer Credit Protection](https://payactiv.com/blog/payactiv-signs-mou-with-the-state-of-maine-bureau-of-consumer-credit-protection/) - On July 21, 2025, Payactiv signed a Memorandum of Understanding (MOU) with the State of Maine Bureau of Consumer Credit Protection, ensuring the company can continue to offer its earned wage access (EWA) services in the state. Through the MOU, Payactiv agrees to uphold a number of best practices and consumer protections already embedded in - [Stretching Your Paycheck: Inflation Hacks for Hourly Workers](https://payactiv.com/financial-learning/stretching-your-paycheck-inflation-hacks-for-hourly-workers/) - Inflation is one of the biggest complaints most Americans have about the economy, and factors like new tariffs on imports are likely to just drive prices higher. As everyday expenses rise, it feels harder and harder for hourly workers to make ends meet. From groceries to rent, prices seem to keep rising while wages often - [Stop Calling It Financial Wellness: Start Designing for Growth](https://payactiv.com/blog/stop-calling-it-financial-wellness-start-designing-for-growth/) - The Wellness Trap “Financial wellness” is the term we inherited. Not the one we need. It entered the corporate vocabulary with good intentions — a borrowed concept from the broader wellness movement, implying balance, health, and wholeness. But as it's been implemented across benefit programs and HR platforms, the term has drifted into ambiguity. What - [From Transactional to Transformational: How to Reduce Turnover and Build Lasting Loyalty](https://payactiv.com/blog/from-transactional-to-transformational-how-to-reduce-turnover-and-build-lasting-loyalty/) - 55% of frontline workers plan to leave their jobs within the next year. The reason? Work feels like a transaction, not a relationship. We’re living in an era of high churn, quiet quitting, and employee disengagement. And while compensation matters, the deeper issue runs through the very structure of work itself. In many workplaces, employment - [Louisiana Becomes Eleventh State to Enact EWA Regulations](https://payactiv.com/blog/louisiana-becomes-eleventh-state-to-enact-ewa-regulations/) - On July 1, 2025, Louisiana became the 11th state to enact a dedicated regulatory framework for the earned wage access (EWA) industry. This follows the passage of HB 368, the Louisiana Earned Wage Access Services Act, on June 4, 2025, that passed with broad, bipartisan support. Louisiana joins California, Maryland, Arkansas, Indiana, Kansas, Missouri, Nevada, - [Debt Consolidation 101: Guide to Debt Consolidation](https://payactiv.com/financial-learning/debt-consolidation-101-guide-to-debt-consolidation/) - Debt isn’t just numbers on a statement. It’s the late-night worry, the juggling act at payday, and the feeling that there’s never quite enough to go around. Debt consolidation can put an end to that chaos. Instead of wrestling with three, four, or even ten separate payments, you roll them into one predictable bill, often - [Maryland Enacts New EWA Bill to Protect Access in the State](https://payactiv.com/blog/maryland-enacts-new-ewa-bill-to-protect-access-in-the-state/) - Maryland’s bill HB 1294, Earned Wage Access and Credit Modernization, went into effect today, following passage by the Maryland General Assembly on April 7. The bill comes after two years of collaboration between legislators, industry, consumer advocates, and the state’s banking regulator to create appropriate consumer protections and oversight of the EWA sector. The bill - [Payactiv is Now Officially Registered as an Earned Wage Access Provider in Utah](https://payactiv.com/blog/payactiv-is-now-officially-registered-as-an-earned-wage-access-provider-in-utah/) - Effective June 17, 2025, Payactiv is now a registered earned wage access (EWA) services provider in Utah under the state’s Department of Commerce. This follows the Utah Legislature’s passage of HB 279 on March 25, 2025, which received strong bipartisan support. In enacting this new regulatory framework, Utah lawmakers have taken the important step of - [UKG Wallet: Revolutionizing Employee Financial Wellness From Everyday Needs to Long-Term Stability](https://payactiv.com/webinars/revolutionizing-employee-financial-wellness-with-ukgwallet) - LIVE WEBINAR UKG Wallet: Revolutionizing Employee Financial Wellness From Everyday Needs to Long-Term Stability July 10, 2025 01:00 PM Eastern Time (US and Canada) Overview In today’s economy, financial stress remains a leading cause of employee turnover and disengagement, leading more employers to explore the benefits of financial wellness programs as part of their recruitment - [The 401(k) Is Not a Starting Line. It’s the Summit.](https://payactiv.com/blog/the-401k-is-not-a-starting-line-its-the-summit/) - When it comes to employee financial wellness, the conversation almost always starts — and ends — with a single solution: the 401(k). And while retirement plans remain a cornerstone of financial security, here’s the uncomfortable truth: For millions of American workers, retirement savings aren’t just out of reach — they’re out of relevance. We’ve built - [Fresno Logistics Fuels Retention with Earned Wage Access](https://payactiv.com/case-studies/fueling-driver-retention-with-earned-wage-access) - Industry: Logistics and Last Mile Delivery Meeting the Needs of a Growing, On-the-Go WorkforceAs a third-party Delivery Service Partner (DSP) for Amazon, Fresno Logistics operates with over 200 employees—primarily drivers—delivering packages across Central California and the Bay Area. As the company expanded both its headcount and geographic footprint, it faced a familiar challenge: how to - [Timing of pay and the velocity of money](https://payactiv.com/videos/timing-of-pay-and-the-velocity-of-money/) - Watch Safwan Shah, PayActiv CEO, speaking at the Banking Disrupted Conference by Silicon Valley Innovation Center “..there is a massive transformation that is taking place. Rather than being critical of banks, lets think of an idea, the idea that is at the core of what we call movement of money between millions of people in this - [Timing of Pay and the Velocity of Money](https://payactiv.com/blog/timing-of-pay-and-the-velocity-of-money/) - Watch Safwan Shah, PayActiv CEO, speaking at the Banking Disrupted Conference by Silicon Valley Innovation Center "..there is a massive transformation that is taking place. Rather than being critical of banks, lets think of an idea, the idea that is at the core of what we call movement of money between millions of people in this - [How Financial Wellness Helps Amidst Small-Business Closures](https://payactiv.com/blog/how-financial-wellness-help-amidst-small-business-closures/) - As coronavirus resurges, small businesses face tough choices about their livelihood amidst financial stress. How can financial wellness benefits help? - [Payactiv Named 2021 BAI Global Innovation Award Finalist](https://payactiv.com/press/payactiv-named-2021-bai-global-innovation-award-finalist/) - SAN JOSE, CA, November 24, 2021 — Payactiv, Inc, a certified B Corp and the leader in Earned Wage Access (EWA), is named a finalist in the 2021 BAI Global Innovation Awards. Key Facts Payactiv is a finalist in the 11th annual BAI Global Innovation Awards in the “Human Capital” category. This award recognizes product - [Top Method for Employee Attraction & Retention](https://payactiv.com/blog/method-for-employee-attraction-and-retention-in-current-job-market/) - In this segment of The Compassionate Capitalist Show™, Karen Rands is joined by Sabina Bhatia, Chief Customer Officer at Payactiv, the champion of Earned Wage Access (EWA) to talk about the impact 'financial insecurity and well being' of hourly wage workers have on the profitability and scalability of businesses. EWA is rapidly becoming the #1 - [Enactment of Historic Missouri Bill Shows Momentum for EWA Registration](https://payactiv.com/blog/enactment-of-historic-missouri-bill-shows-momentum-for-ewa-registration/) - In a historic year for EWA legislation, Missouri Governor Mike Parson signed the country’s second EWA bill into law on July 6, 2023. This bill establishes a registration system for EWA providers in Missouri, confirms EWA is not a credit product, and creates a number of important consumer protections for Missourians. Employers in Missouri have - [Everyday Pay: What is it and What are the Advantages?](https://payactiv.com/blog/everyday-pay/) - Everyday pay presents a practical opportunity to immediately pay workers what they’re due. In this article, we’ll explore the concept and mechanics of the Everyday Pay model and outline some of the key benefits it offers both employers and employees. What is Everyday Pay? As the name suggests, everyday pay is a payment model where - [How You Can Get Paid Early with EWA](https://payactiv.com/blog/how-you-can-get-paid-early/) - Check out our guide to learn how you can get your pay when you need it. - [EWA Solutions: Financial Stress Relief | Payactiv](https://payactiv.com/blog/employees-have-other-options-than-401k-withdrawals-to-manage-financial-hardship/) - When workers run low on funds, financial stress could push them to make poor long-term decisions in pursuit of short-term solutions. For example, someone could tap into their retirement accounts, triggering taxes and penalties, rather than find better solutions to improve their finances. A recent Bank of America report found mixed news when reviewing 401(k) - [How to Find a Job that Offers Earned Wage Access](https://payactiv.com/financial-learning/how-to-find-a-job-that-offers-earned-wage-access/) - In the market for a job that offers more? Jobseekers on the hunt can find all kinds of fun, employer-offered perks out there. While dog-friendly workspaces and free snack bars are great, why not look for a job that offers access to your earned wages before payday? We built the Payactiv Jobs Boards portal to - [Benefitfocus Adds Payactiv as Financial Wellness Partner](https://payactiv.com/press/benefitfocus-payactiv-partnership-employee-financial-wellness/) - Benefitfocus, Inc.843-981-8898pr@benefitfocus.com Benefitfocus Adds PayActiv as Financial Wellness Partner On-demand access to earned wages helps improve workplace engagement, recruitment and retention Charleston, S.C. – September 17, 2020 – Benefitfocus, Inc. (NASDAQ: BNFT), a technology platform provider enabling rapid innovation for employers, health plans and consumers, announced today it has added Payactiv to the ever-growing range of - [Why payday loans work and the perfect substitute](https://payactiv.com/blog/payday-loans-work-perfect-substitute/) - But will these proposed reforms eliminate the need for payday loans? In some manner these regulations legitimize them. The right method should be to identify the crux of why payday loans are popular and then develop a solution. - [Why to Avoid Predatory Payday Loans](https://payactiv.com/financial-learning/why-to-avoid-predatory-payday-loans/) - If you need quick cash, a payday loan can seem like a tempting offer. You can walk into a store, sign a few papers, and walk out with fast cash. But you’re not just signing up to get some money. You’re signing up to pay an ultra high-interest loan, one that’s often called predatory for - [Good Cents Ep. 9: Miranda Marquit, MBA on “Why Payday Loans Stink Like a Dumpster Fire”](https://payactiv.com/good-cents-podcast/miranda-marquit-mba-on-why-payday-loans-stink-like-a-dumpster-fire/) - If you already know, you know. But if you don’t, we’re here to talk about why predatory payday loans, salary loans, and small-dollar loans are the absolute worst. Eric brings on finance expert Miranda Marquit to talk about what makes them so awful (3 letters, A-P-R), and alternative means to go to before taking one - [Nevada Enacts First EWA Bill, Confirms Not a Payday Loan](https://payactiv.com/blog/in-watershed-moment-nevada-enacts-first-ewa-bill-and-confirms-ewa-is-not-a-loan/) - On June 13th, Nevada Governor Joe Lombardo signed into law the first-in-the-country earned wage access (EWA) bill – a bipartisan effort that creates numerous consumer protections and confirms EWA is not a Payday loan. Instead of forcing EWA into ill-fitting legacy regulatory frameworks, Nevada legislators created a new license tailored to EWA providers. In doing - [Arizona AG Opinion: EWA Not a Payday Loan](https://payactiv.com/blog/regulatory-update-arizona-attorney-general-opinion-reaffirms-ewa-is-not-a-loan/) - As earned wage access (EWA) becomes more widespread, some states are considering regulatory frameworks that create important consumer protections, while also enabling the EWA industry to continue to provide users access to their pay on-demand. Earlier this week, Arizona Attorney General Mark Brnovich issued an Opinion on EWA confirming that non-recourse EWA products that do - [Montana Attorney General Affirms EWA is Not a Payday Loan](https://payactiv.com/blog/montana-attorney-general-affirms-ewa-is-not-a-loan/) - Joining a growing number of states that have affirmed earned wage access (EWA) is not a payday loan product, Montana Attorney General Austin Knudsen recently outlined in the Montana Administrative Register that EWA products are not payday loans. The question presented in the Register is whether an EWA product meets the definition of a consumer - [Company of the Year in Financial Services, 2021 American Business Awards](https://payactiv.com/press/company-of-the-year-in-financial-services/) - Payactiv also captures “Corporate Social Responsibility Program of the Year” SAN JOSE, CA,—Payactiv, Inc, a leading provider of financial-empowerment services for wage earners, wins multiple Stevie® Awards at the 2021 American Business Awards. Key Facts Payactiv wins big at the 2021 American Business Awards – earning top honors in two of the premier categories: “Company - [Wisconsin's Earned Wage Access Legislation Signed](https://payactiv.com/blog/wisconsin-governor-tony-evers-signs-earned-wage-access-legislation/) - March 21, 2024 Today in Madison, Wisconsin Governor Tony Evers signed into law legislation that creates a new license for earned wage access (EWA) providers in the state. The bill received broad bipartisan support in the Assembly and Senate, and was signed into law today by the Democrat governor. The bill follows Nevada and Missouri - [Aimbridge Hospitality Selects Payactiv to Deliver Financial Empowerment to 35,000 Associates](https://payactiv.com/press/aimbridge-hospitality-selects-payactiv-deliver-financial-empowerment/) - Aimbridge Hospitality expands its deep commitment to associate financial wellness through Earned Wage Access (EWA) from Payactiv. SAN JOSE, CA, July 28, 2021 — Payactiv, Inc., a leading provider of financial-empowerment services for wage earners, today welcomes Aimbridge Hospitality and its 35,000 associates to its portfolio of leading corporations providing Earned Wage Access (EWA). Payactiv’s - [Sridhar Ande Joins Payactiv as CFO](https://payactiv.com/press/sridhar-ande-joins-payactiv-as-cfo/) - Senior Visa executive will lead Payactiv finance as market demand for earned-wage access and financial-empowerment solutions heats up […] - [Indiana Becomes Ninth State to Enact EWA Regulations](https://payactiv.com/blog/indiana-becomes-ninth-state-to-enact-ewa-regulations/) - Indiana Governor Mike Braun signed into law the country’s ninth statutory framework regulating earned wage access (EWA) today, joining California, Nevada, Missouri, Kansas, South Carolina, Wisconsin, Utah, and Arkansas in creating a distinct regulatory framework for EWA providers. Named the Indiana Earned Wage Access Act, HEA 1125 creates a new licensure for EWA providers that - [Payactiv is now a Licensed Earned Wage Access Provider in Nevada](https://payactiv.com/blog/payactiv-is-now-a-licensed-earned-wage-access-provider-in-nevada/) - Payactiv is now a licensed earned wage access (EWA) provider in Nevada, the first state to create a unique EWA licensing system and set the gold standard in consumer protection. Following the passage of the legislation creating the license, the Nevada Financial Institutions Division issued its final regulations and licensing requirements in July 2024. The - [From Pay to Performance: Why Earned Wage Access Drives Retention and Resilience](https://payactiv.com/blog/from-pay-to-performance-why-earned-wage-access-drives-retention-and-resilience/) - If compensation is the cornerstone of employee experience, why do so many workers still feel financially trapped between paychecks? That’s the question Payactiv CEO Safwan Shah explored in his recent article, The Spendable Dollar Hierarchy — Through the Lens of Phishing for Phools. His concept of the Spendable Dollar Hierarchy offers a powerful framework for - [Payactiv Adds Kansas To Growing List of State Registrations](https://payactiv.com/blog/payactiv-adds-kansas-to-growing-list-of-state-registrations/) - Following the passage of the Kansas Earned Wage Access Services Act in the 2024 state legislative session, Payactiv is now registered as an earned wage access (EWA) services provider in Kansas through the Nationwide Multistate Licensing System and Registry. Governor Laura Kelly (D) signed the bill into law in April 2024, and it was effective - [Payactiv Becomes Registered EWA Provider in South Carolina](https://payactiv.com/blog/payactiv-becomes-registered-ewa-provider-in-south-carolina/) - Payactiv is proud to announce that the company is now a registered earned wage access provider in South Carolina under the South Carolina Earned Wage Access Services Act. This follows South Carolina’s passage of a legislative framework in May 2024 that protects South Carolina workers and enables continued growth and innovation in the EWA industry. - [5 Ways Employee Pay Cards Improve Financial Access and Flexibility](https://payactiv.com/blog/5-ways-employee-pay-cards-improve-financial-access-and-flexibility/) - Given today's workforce's diverse needs and personal circumstances, traditional payment methods such as paper checks and direct bank deposits may not always be the most effective or beneficial. That’s why alternative payroll solutions like employee pay cards are gaining more traction. In this article, we’ll examine the features of free pay cards for employees, explain - [The Role of Empathetic Leadership in the Workplace](https://payactiv.com/blog/empathetic-leadership-in-workplace/) - Key takeaways: Empathetic leadership is a vital business strategy that all leaders need to master to be successful. Empathy lets you connect with your teams more deeply and understand their needs and wants. Empathetic leadership isn’t about grandiose gestures; it’s about small, meaningful actions, words, and benefits that are low-cost but high-impact. In this article, - [Cashless Tipping App​s for Automated Employees Tips](https://payactiv.com/blog/3-reasons-to-use-cashless-tipping-apps-for-automated-tipping/) - Key takeaways: Automated cashless tips provide a secure and efficient way to compensate tipped employees, reducing the risks associated with cash handling. This system offers transparency and simplifies the tip distribution process for both employees and employers. Implementing cashless tips can enhance employee satisfaction, trust, and retention in industries reliant on tips. Today, the majority - [Why Traditional Employee Benefits Aren’t Enough Anymore](https://payactiv.com/blog/why-traditional-employee-benefits-arent-enough-anymore/) - Key takeaways: Traditional employee benefits may not fully address the diverse financial needs of the modern workforce. Offering innovative solutions like on-demand pay can enhance financial wellness and support employees in managing unexpected expenses. Adapting benefits to current employee expectations can lead to increased satisfaction, engagement, and loyalty. If you’re struggling to attract and retain - [Your Paycheck and Policy: What Economic Changes Could Mean for Your Wallet](https://payactiv.com/financial-learning/your-paycheck-and-policy-what-economic-changes-could-mean-for-your-wallet/) - When watching or reading the news, it can feel overwhelming trying to understand how political speeches and economic data truly impact our finances. While words like "tax reform," "minimum wage increases," "tariffs" and "payroll deductions" can sound complicated, today, we aim to demystify these and other common economic terms. Here’s an objective look at how - [5 Financial Wellness Benefits Employees Want in 2025](https://payactiv.com/blog/5-financial-wellness-benefits-employees-want-in-2025/) - Key takeaways: Employees in 2025 seek financial wellness benefits like Earned Wage Access and savings programs. Providing personalized financial education can empower employees to manage their finances. Implementing these benefits can lead to increased job satisfaction and loyalty. Research data and market trends point to a change in the mindset of the American workforce in - [How to Calculate Employee Turnover Rate](https://payactiv.com/blog/how-to-calculate-employee-turnover-rate/) - Calculate employee turnover rate to understand how much it's costing your company and learn how you can reduce it significantly at no cost to your business. - [Arkansas Becomes Seventh State to Enact EWA Oversight Framework](https://payactiv.com/blog/arkansas-becomes-seventh-state-to-enact-ewa-oversight-framework/) - Earlier today, Arkansas Governor Sarah Huckabee Sanders signed House Bill 1517, The Earned Wage Access Services Act, into law. In enacting this bill, Arkansas recognizes earned wage access (EWA) products as a financial service requiring its own, dedicated oversight system distinct from lending frameworks. The bill enacts new definitions related to EWA and requires providers - [Planning a Summer Vacation on a Budget](https://payactiv.com/financial-learning/planning-a-summer-vacation-on-a-budget/) - Summary Determining what you can afford is the most important part of planning a summer vacation. This information will help you decide where to travel and what to do while you’re there. Before you leave, research discounts and smart savings strategies unique to your destination. Remember to account for food costs, too! Traveling a few - [5 Innovative Ways to Boost Employee Satisfaction](https://payactiv.com/blog/5-innovative-ways-to-boost-employee-satisfaction/) - For modern workers, showing up, performing their tasks, and heading home isn’t good enough. They also want to feel invested in and enthusiastic about their jobs, connected to their colleagues, and valued by their organization. Unfortunately, the majority of American workers don’t feel that way. Research from Gallup in 2023 reveals that just 31% of - [Understanding the Employee Life Cycle: An HR Guide](https://payactiv.com/blog/understanding-the-employee-life-cycle-an-hr-guide/) - In every organization, large or small, there’s a constant ebb and flow of employees joining and departing from the business. This is known as the employee life cycle. In this guide, we’ll explore the different stages of the employee life cycle and how to optimize each one to build positive employee experiences, increase productivity, and - [Employee Benefits: Trends, Programs, and Strategies](https://payactiv.com/blog/the-essential-guide-to-employee-benefits-programs-trends-and-strategies/) - As we move into 2024, companies are increasingly recognizing the importance of employee well-being and how it affects productivity, engagement, and retention. With this in mind, leading organizations are exploring ways to enhance their employee benefits packages in the year ahead and beyond. In this comprehensive article, we’ll look to the future of employee benefits - [Six Recruiting Trends in 2024](https://payactiv.com/blog/six-recruiting-trends-shaping-2024/) - Most industries in 2024 continue to cite talent shortages as a critical business challenge. According to a report from May 2024, the U.S. Chamber of Commerce states “workforce participation remains below pre-pandemic levels. We are missing 1.7 million Americans from the workforce compared to February of 2020.” These numbers from the last 4 years imply - [March Forward with These 5 Goals to Boost Employee Productivity](https://payactiv.com/blog/march-forward-with-these-5-goals-to-boost-employee-productivity/) - During an 8-hour workday, the average employee spends only 4 hours and 12 minutes actively working. This represents a significant amount of time inefficiency on a daily basis that could be costing your business. In this article, we’ll explore some tools you can use to keep your employees motivated and inspire them to put 100% - [Employee Wellness Benefits for Your Quick Service Restaurant Workers](https://payactiv.com/blog/employee-wellness-benefits-for-your-quick-service-restaurant-workers/) - Many quick service restaurant (QSR) operators are hopeful that 2023 will mark a return to financial health as the pandemic’s disruption fades. However, the new year holds some new challenges for QSRs. Inflation, supply chain woes, and staffing shortages – QSR operators have a lot on their plates in 2023. Employers need to craft an - [Corporate ESG and Employee Recruitment](https://payactiv.com/blog/does-corporate-esg-encourage-recruitment-and-retention-for-employees/) - Companies’ environmental, social, and governance (ESG) credentials are becoming increasingly important to attract, motivate and keep the best workers. According to new research, 45% of job seekers want to see a corporate commitment to sustainability when choosing an employer, and 55% are looking for high ethical standards. These statistics refer to the “E” and “G” - [Corporate Wellness Programs and Productivity](https://payactiv.com/blog/how-corporate-wellness-programs-can-lead-to-increased-productivity/) - If there’s anything the events of the last two years and the ongoing impact of the Great Resignation have taught employers, it’s that they need to shift their focus to better accommodate employees – and their mental and physical wellbeing. Building and sustaining a company culture focused on holistic wellness should be part of every - [Financial Health as the Cornerstone of Workplace Well-being](https://payactiv.com/blog/financial-health-as-the-cornerstone-of-workplace-well-being/) - When companies evaluate employee health, they often focus solely on physical well-being. However, this perspective overlooks other crucial aspects of health. The World Health Organization describes health as a "state of complete physical, mental, and social well-being, not just the absence of disease or infirmity." This broadens our understanding of health, encompassing all significant facets - [Best Innovative Tech Solution 2022 HR Tech Awards](https://payactiv.com/blog/payactiv-named-best-innovative-or-emerging-tech-solution-at-2022-hr-tech-awards/) - We are thrilled to announce that the Payactiv Livelihood Platform has been recognized as the award winner for Best Innovative or Emerging Tech Solution in the Total Rewards and Employee Wellbeing category of the 2022 HR Tech Awards by the Lighthouse Research & Advisory. Since inventing Earned Wage Access back in 2012, Payactiv has been - [Beyond the Minimum Wage: What Factors Drive Employee Turnover in Retail?](https://payactiv.com/blog/beyond-the-minimum-wage-what-factors-drive-employee-turnover-in-retail/) - Retail is the US’s largest private-sector employer, contributing $5.3 trillion to the annual GDP and supporting more than 1 in 4 jobs in the country (55 million working Americans). However, the retail industry is plagued by high turnover rates that exceed the average in other sectors. As of May 2024, the average employee turnover rate - [Cracking the Retention Code: Why Do Call Centers Have High Turnover Rates?](https://payactiv.com/blog/cracking-the-retention-code-why-do-call-centers-have-high-turnover-rates/) - Most call center managers are laser-focused on meeting KPI metrics relating to customer experience. However, the employee experience is equally important, especially given that the call center industry is renowned for its high turnover rate. In this article, we’ll explore the most common causes of high call center turnover and some strategies for greater employee - [Company Communication for Organizational Success](https://payactiv.com/blog/drive-success-through-company-communication/) - The majority of the global workforce is deskless. In fact 80% of workers or 2.7 billion people don’t sit at a desk. Shockingly only about 1% of new technology has been developed to serve this large group of people. Most of the existing employee communication platforms were developed by people sitting behind a desk for - [Industry Insights: Senior Care](https://payactiv.com/industry-insights/senior-living/) - Welcome to our resource page for Senior Living Hiring! We built this page with you in mind – use it as a learning tool, reference page, and more!This page is set up to give you the latest information on what’s happening in the hiring market right now, as well as the trends senior living care - [From Stress to Success: How Financial Tools Support Your Workforce](https://payactiv.com/blog/from-stress-to-success-how-financial-tools-support-your-workforce/) - Financial insecurity is an unsettling reality for many workers in today's fluctuating economic landscape. As inflation remains high, financial stress among employees continues to rise. Recent research found that half of all employees report moderate to high levels of financial worry, and many are leaning on retirement accounts as their primary emergency fund. The associated - [Increase Retention with this Easy and Cost-Free Solution](https://payactiv.com/blog/increase-employee-retention-easy-cost-free-solution/) - It's costing you too much if you don't deal with it Turnover is costing you exorbitant amounts of money every year and HR departments have been fighting it for decades. The numbers continue to inflate, the need to differentiate yourself from competitors is more important every year, and the cost associated with turnover can debilitate - [How Small Businesses Benefit from Access To Earned Wages](https://payactiv.com/blog/how-small-businesses-benefit-from-earned-wage-access/) - Earned Wage Access has been a success among individual employees and Fortune 500 companies and it's time for small business to enjoy the benefits too. - [How to Reduce Your Monthly Expenses](https://payactiv.com/financial-learning/creative-ways-to-reduce-monthly-expenses/) - Learn how to reduce your monthly expenses and save more money by following these simple tips. - [3 Ways Payactiv Saves You Money on Essentials](https://payactiv.com/financial-learning/3-ways-payactiv-saves-you-money-on-essentials/) - In this new savings-based equation, PayActiv discounts plus earned wage access equals an incredible amount of money and time saved. - [Payactiv: Simple, Direct, Compliant](https://payactiv.com/blog/payactiv-simple-direct-compliant/) - With PayActiv, the worker always comes first, and always has the right to receive unpaid, earned wages directly from the employer. - [Practical Benefits for a Worn Out Workforce](https://payactiv.com/blog/practical-benefits-for-a-worn-out-workforce/) - Payactiv's zero-cost benefit creates opportunities for workers to fully engage in their work and lives. - [Are Your Employees Struggling to Pay Utility Bills?](https://payactiv.com/blog/survey-workers-struggling-to-pay-utility-bills/) - According to the National Energy Assistance Directors’ Association, more than 179 million people are at risk of utility shut-offs. This time of year, hourly workers who live paycheck-to-paycheck are also living with acute financial stress – which affects their cognitive functions, damages health, and compromises the capacity to cope emotionally. These employees are worried about their power, - [The Best Employer Benefits to Look For](https://payactiv.com/blog/how-to-choose-the-best-employer-in-2021/) - When companies put your financial wellness into your own hands, you can say no to borrowing and yes to dignity. - [4 Payroll Trends to Watch in 2024](https://payactiv.com/blog/4-payroll-trends-to-watch-in-2024/) - Until recently, companies viewed their compensation and rewards strategies as fairly static, in need of occasional modifications. Today, employers must think beyond offering traditional benefits and think outside the box in order to attract and retain employees. To meet the needs of the workers, businesses are re-evaluating their benefits offering. They are shifting away from - [The Hidden Costs of Paycheck Advances: Why Employers Should Avoid Them](https://payactiv.com/blog/the-hidden-costs-of-paycheck-advances-why-employers-should-avoid-them/) - Whether it’s a medical bill, a broken appliance, or an auto repair, financial emergencies and unexpected expenses can happen to anyone. Many workers are unprepared to deal with these unwelcome surprises. Employees in such situations often turn to their employers for a paycheck advance. However, while granting financially strapped workers a paycheck advance gives them - [The Importance of EWA In Employee Benefits Packages](https://payactiv.com/blog/stand-out-in-2022-why-ewa-needs-to-be-in-your-employee-benefits-package/) - Who would have believed 18 months ago that there would be over 9 million Americans out of work today and that employers would be struggling to fill positions despite that number? Not many of us! So, how did we get here, and what’s the solution? Let’s start with the obvious: Many people dropped out of - [Visa and Payactiv: Bringing Access to Earned Wages](https://payactiv.com/blog/visa-and-payactiv-access-to-earned-wages/) - Over 30 million U.S. households are either unbanked or underbanked (2017 FDIC report), they pay costly fees when cashing their paychecks, paying electronics bills or sending money orders to make these payments, and loading their money on prepaid cards. With the VISA-PayActiv partnership, all users of PayActiv financial wellness services, irrespective of their banking status, will - [Signs Your Employees Struggle Financially](https://payactiv.com/blog/employee-financial-help/) - From maxed-out credit cards and mounting student loan debt to rising interest rates, more workers across the country are struggling to make ends meet. A recent survey found that the number one cause of anxiety among employees is money, with 65% reporting financial stress. Lower-income earners and households are experiencing the most financial anxiety, with - [Top Benefits of Using Visa Payroll Debit Cards for Your Business](https://payactiv.com/blog/top-benefits-of-using-visa-payroll-debit-cards-for-your-business/) - In recent years, there’s been an increasing demand for instant access to funds driven by changing consumer expectations, partly fueled by the rapidly growing gig economy. Today, many workers would prefer to be paid out as soon as their tasks are completed. This expectation is at odds with traditional payroll cycles. Visa and Payactiv have - [Paychex and Payactiv Partner to Aid Businesses and Employees](https://payactiv.com/blog/paychex-and-payactiv-join-forces-to-provide-relief-to-businesses-and-employees/) - Paychex and PayActiv partner to provide much-needed financial relief amidst COVID-19. - [Using OnShift Wallet to Increase Employee Financial Wellness](https://payactiv.com/blog/empowering-employees-financial-wellness-fireside-chat-onshift/) - We’re happy to present this pre-recorded fireside chat with Payactiv Chief Executive Officer Safwan Shah and OnShift Chief Executive Officer, Mark Woodka. - [Women Supporting Women: Financial Circles That Empower](https://payactiv.com/financial-learning/women-supporting-women-financial-circles-that-empower/) - Financial success doesn’t just take dollars and cents. Knowledge, community, and support can make a big difference when building a solid financial foundation. For women looking to build wealth and financial independence or simply get a better grip on their money, one of the most powerful tools available isn’t a high-yield savings account or an - [Payactiv Becomes Registered Provider in California](https://payactiv.com/blog/payactiv-becomes-registered-provider-in-california/) - Payactiv has become a registered earned wage access (EWA) provider in California in February 2025. In becoming a registered provider, Payactiv commits to upholding consumer protections and reporting data outlined in the California Consumer Financial Protection Law. This did not require any changes to Payactiv’s product, and there are no changes required for our employer - [Good Cents Podcast Episode 47: How to Save Big on Groceries Each Week](https://payactiv.com/good-cents-podcast/good-cents-podcast-episode-47-how-to-save-big-on-groceries-each-week/) - In this episode of Good Cents by Payactiv, host Eric Rosenberg discusses the rising cost of groceries and how mindful budgeting can help. He’s joined by Justin from The Price of Avocado Toast, who shares how he and his wife paid off $132,000 in debt and learned to be intentional with their grocery spending. Key - [Good Cents Podcast Episode 46: New Year New Budget](https://payactiv.com/good-cents-podcast/good-cents-podcast-episode-46-new-year-new-budget/) - In this episode, the host, Eric Rosenberg, discusses the importance of budgeting for the new year and how it can set the foundation for financial success. He breaks down the budgeting process into simple, actionable steps to help listeners take control of their finances. Key Takeaways: Why Budgeting Matters – Budgeting helps reduce financial stress, - [Payroll Best Practices for 2025 and Beyond](https://payactiv.com/blog/payroll-best-practices-for-2025-and-beyond/) - The heart of every business is its employees, and these employees need to be paid their wages on a regular basis. Whether a monthly, bi-weekly, or weekly pay schedule, payroll is typically done via a payroll system. But too often, it ends up being something that takes up a great deal of time and resources. - [The Biggest Financial Pain Points of Your Employees and How You Can Help](https://payactiv.com/blog/the-biggest-financial-pain-points-of-your-employees-and-how-you-can-help/) - When your employees go home at the end of a long day, they’re excited to see their families and take care of their basic needs. But depending on their financial pain points, how well they can accomplish this might vary widely. In this article, we’ll explore some of the most pressing financial pain points American - [How Many Hours Do Retail Workers Work?](https://payactiv.com/blog/how-many-hours-do-retail-workers-work/) - Retail workers fulfill a critical role in the economy. They’re the folks that help you find and purchase goods in stores. They’re also the ones working in back offices or warehouses, ensuring the steady flow of merchandise in and out of retailers’ facilities. But how many hours do retail workers work exactly? And what do - [5 Strategies for Supporting Senior Care Workers](https://payactiv.com/blog/5-strategies-for-supporting-senior-care-workers/) - Given their limited budgets, the option of increasing salaries and offering comprehensive insurance and retirement benefits isn’t a feasible one for many employers in this sector. However, there are some creative and easy-to-implement tactics they can adopt to increase their employee value proposition. - [Financial Dignity: How Payactiv Can Help](https://payactiv.com/blog/financial-dignity/) - One of the pillars of Payactiv is to provide services to low to moderate-income employees so that they can achieve financial dignity. - [How to Reduce Absenteeism in the Workplace](https://payactiv.com/blog/how-to-reduce-absenteeism/) - The cost of unplanned absenteeism is estimated to exceed a staggering $600 billion a year, with an average cost of $4,080 per full-time employee and $2,040 per part-time worker. Like many companies, you’re looking for practical strategies to reduce absenteeism in your business. In this article, we’ll look at the causes of absenteeism and their - [Benefits for Healthcare Workers](https://payactiv.com/blog/how-employee-benefits-can-help-struggling-health-care-workers-and-attract-new-talent/) - Benefits for healthcare workers are becoming increasingly vital as employers in the healthcare sector struggle to attract and retain staff. These workers are the unsung heroes of our society, providing essential services that keep our communities healthy and safe. Their dedication and expertise are more evident now than ever. In this article, we shine the - [PTSD and Financial Stress: Are They Related?](https://payactiv.com/blog/ptsd-and-financial-stress-how-are-they-related/) - Research shows that 1 in 4 Americans experience PTSD-like symptoms from financial stress. Needless to say, understanding acute financial stress is a crucial asset in improving workplace performance and employee financial health. - [Maximizing Tax Refunds: Strategies to Make the Most of Your Tax Return](https://payactiv.com/financial-learning/maximizing-tax-refunds-strategies-to-make-the-most-of-your-tax-return/) - Tax season is a great opportunity to boost your finances… if you plan carefully. By understanding tax credits, deductions, and strategies to optimize your return, you can maximize your refund and put the cash to the best use for your financial goals. Let’s explore practical ways to maximize your tax refund this year. Understand Tax - [Budget-Friendly Ways to Love Your Pet](https://payactiv.com/financial-learning/budget-friendly-ways-to-love-your-pet/) - A relationship with a pet can be one of the greatest joys in life, but it can also be expensive. From food to vet visits, costs can add up fast. The good news is that you don’t have to spend a fortune to show your furry (or feathery or scaly) friend some love. Here are - [Attracting and Retaining the Hourly Workforce of Tomorrow, Today](https://payactiv.com/blog/attracting-and-retaining-the-hourly-workforce-of-tomorrow-today/) - Businesses that have a sizable hourly workforce—like the retail and hospitality sectors—remain in dire need of employees but are struggling to hire them as they opt for gig-like jobs or leave the workforce altogether. A Look at the Numbers Just over 80 million Americans are paid hourly, representing the majority of US workers at just - [5 Common Tax Season Challenges for Hourly Workers and How HR Leaders Can Help](https://payactiv.com/blog/5-common-tax-season-challenges-for-hourly-workers-and-how-hr-leaders-can-help/) - Tax season is in full swing. For hourly employees, the pressure to ensure they have all their paperwork and correctly filled forms can be overwhelming. Compassionate employers are stepping in and offering assistance to help employees successfully navigate their taxes. Let’s look at a few ways you can take some of the pain out of - [Honoring Black History Month Through Economic Empowerment](https://payactiv.com/blog/honoring-black-history-month-through-economic-empowerment/) - February is Black History Month, a time to honor the rich history, vibrant culture, and remarkable achievements of Black and African Americans. This month is a celebration of hope, inspiration, and strength that highlights the community's journey through countless obstacles, discrimination, and adversity. While Black History Month is a time to recognize these achievements, it - [Payactiv and Uber are Providing Transportation for Essential Hourly Workers](https://payactiv.com/blog/payactiv-uber-rides-for-essential-workers/) - Essential hourly workers' transportation needs are met during COVID 19. Come see how PayActiv and Uber make a difference! - [3 Top Recruiting Tool for Employers: Financial Wellness](https://payactiv.com/blog/3-recruiting-tools-nobody-else-is-using/) - To keep successful talent and hard workers, employers must reassess their recruitment practices, including the types of benefits they offer. - [How to Help Employees Reach Their Financial Goals](https://payactiv.com/blog/help-employees-reach-their-financial-goals/) - Help your employees reach common financial goals with these helpful strategies. - [A New Way to Pay: Online Alternatives to AFS Student Loans](https://payactiv.com/blog/a-better-way-to-pay-choosing-an-alternative-to-afs/) - Millions of Americans use AFS to manage monthly expenses during periods of income volatility or financial insecurity. They deserve a better option. - [Harvard Business Review Highlights Payactiv](https://payactiv.com/blog/harvard-business-review-highlights-payactiv/) - Harvard Business Review reveals how our Earned Wage Access provides critical benefits to both employers and their workers. - [Employees Need Essential Financial Services](https://payactiv.com/blog/essential-workers-deserve-essential-financial-services/) - The global pandemic COVID 19 has caused 17 million Americans to apply for unemployment benefits in just three weeks. When is hiring happening? - [5 Ways PayActiv Beats the Competition](https://payactiv.com/blog/5-ways-payactiv-beats-the-competition/) - Several providers promise to help deliver the core benefit—on-demand access to wages—but PayActiv is the leader in EWA for a reason. Here's why. - [5 Things You Can Do to Support an Employee with COVID-19](https://payactiv.com/blog/5-things-you-can-do-to-support-an-employees-with-covid-19/) - During COVID-19, employment at small businesses fell 40% while 1.8% of businesses were permanently closed. What can you do to support your employees? - [Gen Z: The Digital Generation That Needs Earned Wage Access](https://payactiv.com/blog/gen-z-the-digital-generation-that-needs-earned-wage-access/) - The latest generation to enter the workforce expects immediate access to anything they need. What can employers offer to help? - [Visa Partners With PayActiv, to Help Workers Get Fast Access to Funds](https://payactiv.com/blog/visa-partners-payactiv/) - Visa partners with PayActiv to help workers get fast, secure access to funds digitally. - [Payactiv's RxDiscount Program](https://payactiv.com/blog/rxdiscount-with-payactiv/) - RxDiscount, PayActiv provides financial wellness for the people in need, especially in medical care. - [TimelyTips: A Benefit for Restaurant Workers](https://payactiv.com/blog/timelytips-a-vital-employee-benefit-for-restaurant-workers/) - For most hourly workers, America’s tipping culture is not very reliable, but those tips are essential to restaurant workers. How can we solve this problem? - [Rising Rent? How to Negotiate with Landlords in a High-Inflation Market](https://payactiv.com/financial-learning/rising-rent-how-to-negotiate-with-landlords-in-a-high-inflation-market/) - With rents soaring and inflation impacting everyday expenses, many renters feel the pinch of tighter budgets. However, negotiating with your landlord can help keep your housing costs manageable. While it may feel intimidating, understanding your options and presenting your case effectively can make a big difference. Here’s a guide to help you navigate rent negotiations - [Does ALICE Work at Your Company?](https://payactiv.com/blog/does-alice-work-at-your-company/) - ALICE works at many businesses across the nation. She (or he) has to make some tough choices each month: Do I pay for rent or my medication? Should I get a short-term loan or try living on one meal a day again? - [EWA & the Best Employee Benefits](https://payactiv.com/blog/does-earned-wage-access-rank-among-the-best-employee-benefits/) - While private planes for employees may be out of reach, you can offer Earned Wage Access and financial wellness benefits to your hourly wage workers. - [Top 8 Financial Wellness Tips for 2023](https://payactiv.com/blog/financial-wellness-tips/) - You have the power to improve your wellness, and you don’t have to break the bank getting there. - [How to Improve Company Culture in 3 Ways](https://payactiv.com/blog/3-ways-to-enhance-company-culture/) - While as many as 60% of CEOs believe that their organizations are empathetic, only 24% of employees agree. Here's 3 ways to enhance company culture. - [Payactiv Partners With NYC Taxi to Provide Financial Relief to Cab Drivers](https://payactiv.com/blog/payactiv-partners-nyc-taxi-driver/) - PayActiv partners with New York city and the app Uncork’d to provide the city’s taxi drivers access to their wages as they deliver food across the city. - [Mental Health is Good for Business](https://payactiv.com/blog/mental-health-is-good-for-business/) - Reduce your employees’ financial stress with Earned Wage Access. - [2019 Payactiv Impact Report](https://payactiv.com/blog/2019-payactiv-impact-report/) - PayActiv offers workers access to affordable services,encourages financial responsibility, and provides a path towards financial stability and inclusion. Today we reach a million users at a 1000 businesses, saving users $240M in Fin-Tax alone. - [COVID-19 Is Creating More Employee Chutes Than Ladders](https://payactiv.com/blog/covid-19-is-creating-more-employee-chutes-than-ladders/) - For Moira, there were so many chutes before the Coronavirus crisis. Now there would be more. None was good. But some would be brutal. - [Things to Consider When Hiring New Employees](https://payactiv.com/blog/5-things-you-may-forget-when-hiring-new-employees/) - People change jobs frequently, even when they just started a new job. If you want to retain qualified employees, here are 5 things to keep in mind. - [There are 5 Cost-Saving Benefits Provided by PayActiv](https://payactiv.com/blog/5-unexpected-cost-saving-benefits-of-payactiv/) - What are the 5 unexpected cost-saving benefits of PayActiv? In the midst of COVID-19 pandemic, what can employers offer to those essential workers? - [Be the Force for Employee Wellbeing](https://payactiv.com/blog/be-the-force-for-employee-wellbeing/) - As an employer, you may wonder if your corporation is a force for good, and whether the question even has a place in a capitalist society. - [PayActiv Mentioned as a Must in Harvard Business Review](https://payactiv.com/blog/payactiv-a-company-advances-in-racial-justice/) - PayActiv commits to an employee emergency relief fund or low-cost loan program definitely opens a lot of doors for many hourly workers. - [How to Retain Employees and Talent – 3 Things Every Company Must Do](https://payactiv.com/blog/3-things-companies-must-do-to-retain-employees/) - Businesses and especially HR leaders have the opportunity to make a real difference for their workforce. - [Financial Resilience for COVID-19 (Part 2)](https://payactiv.com/blog/financial-resilience-for-covid-19-part-2/) - Jade is a twenty-six girl with two relatively low-wage jobs. Come to see how she stay strong during COVID 19 by timely access to her earned wages. - [Our Heart Beats for Those We Serve](https://payactiv.com/blog/our-heart-beats-for-those-we-serve/) - We are human when alone and we are community when together. Our values when combined don’t diminish, they amplify. - [Thwarted Expectations in the Time of COVID-19](https://payactiv.com/blog/thwarted-expectations-in-the-time-of-covid-19/) - As COVID-19 cases continue to grow in the U.S., many hourly workers walk the thin lifeline. With the uncertain working situation, what can they expect? - [Safe and Paid: Why Should Workers Risk More for Less Pay?](https://payactiv.com/blog/safe-and-paid-why-should-workers-risk-more-for-less-pay/) - Over half of U.S. workers feel so-so about work, even reluctant to return to work. What can companies do to make those essential workers feel safe? - [COVID-19 Caused Employees to Face Child Hunger Issue](https://payactiv.com/blog/covid-19-caused-employees-to-face-child-hunger-issue/) - Employers must acknowledge the needs and problems that many of their hourly workers face, such as the critical problem of child hunger. - [Post-Pandemic Hiring: The Importance of Security](https://payactiv.com/blog/post-pandemic-workforce-rehiring/) - The paycheck is important. Hourly workers report being more worried about their finances than their health. - [A Place to Call Home: How Much Can Workers Bear to Lose?](https://payactiv.com/blog/a-place-to-call-home-how-much-can-workers-bear-to-lose/) - What workers need to get back on their feet right now is money—money to pay the rent on time. So, what can employers offer them? - [5 Ways Your Business Will Change Post-COVID](https://payactiv.com/blog/5-ways-your-business-will-change-post-covid/) - In the crisis of COVID-19, many businesses were forced to change the way they usually operate. What are the 5 changes businesses will face post-COVID? - [Let's End Financial Stress Together](https://payactiv.com/blog/payactiv-ends-financial-stress-for-employees/) - Constant financial stress leads to irreversible affect on people's lives. Come see how PayActiv brings financial relief to your employees. - [PayActiv Helps to Prepare for a Fall Wave of COVID-19](https://payactiv.com/blog/payactiv-helps-to-prepare-for-a-fall-wave-of-covid-19/) - Usually, the autumn season brings a flurry of activity in the U.S. But are the employers and employees ready for the fall wave of COVID-19? - [3 Ways to Transform the Workplace by Offering PayActiv](https://payactiv.com/blog/3-ways-to-transform-the-workplace-by-offering-payactiv/) - Facing the uncertainty of the current situation, what are the 3 ways you can do to transform your workplace in ways that boost workplace productivity? - [Achieving Financial Freedom](https://payactiv.com/blog/financial-freedom-and-the-responsibility-of-being-a-leader/) - A great supervisor cares about his team members' financial freedom and wellness. Come see a true testimonial story of a supervisor. - [Employer-Sponsored Financial Wellness Benefit](https://payactiv.com/blog/employer-sponsored-financial-wellness-benefit/) - It started with chicken nuggets “Mommy, I’m hungry,” Deja said, while tugging on her mom’s maroon jacket. Collette checked her purse to see if a granola bar from work made its way into one of her secret pockets. No dice. “We can go to the corner store when we get home. I’ll get some rice - [What Your Favorite Employee Isn’t Telling You](https://payactiv.com/blog/what-your-favorite-employee-isnt-telling-you/) - As you consider gifts for employees this holiday season, consider the gift of access. With EWA from Payactiv, employees can get wages as they earn them. - [Reimagining Memorial Day Weekend in Light of COVID-19](https://payactiv.com/blog/memorial-day-weekend-covid-19/) - American families used to celebrate Memorial Day Weekend by hosting barbecues. But what can we do in the midst of COVID 19 pandemic? - [Financial Wellness Program for Workforce](https://payactiv.com/blog/10-benefits-to-having-a-financial-wellness-program-for-your-workforce/) - Businesses that sponsor financial wellness programs experience greater productivity and a more engaged workforce. - [5 Numbers That Show Why Employers Must Offer On-Demand Pay](https://payactiv.com/blog/5-numbers-show-why-employers-must-offer-on-demand-pay/) - 7 million Americans have to decide whether to use their earnings for utilities or for groceries. Here's 5 numbers why employers must offer on-demand pay. - [When It Rains, It Pours: Financial Resilience During COVID-19](https://payactiv.com/blog/financial-resilience-during-covid-19/) - Rhonda’s story isn’t unique, as the realities of our world in the midst of COVID-19 is one of emotional struggle and economic strain. - [More Than Elves](https://payactiv.com/blog/more-than-elves/) - Workers are not only essential to the functioning of the business, but they are essential to the fabric that binds society together. - [5 Quotes That Tell You Why PayActiv Is the Most Critical Employee Benefit You Don’t Have Yet](https://payactiv.com/blog/5-quotes-of-payactiv-employee-benefits/) - There are many employee benefits that makes employees happy, but the ones that PayActiv offered release financial stress. Here's what they say. - [Human Resources in a Post-COVID World](https://payactiv.com/blog/hr-in-a-post-covid-world/) - As we entering the reopening phase, companies are dying to return to normal, workers ache for stability. What can hurman resources help post COVID-19? - [“The New Recruits:” Hiring and Rehiring in a Post-COVID Economy](https://payactiv.com/blog/payactiv-in-post-covid-economy/) - Affected employees face increased financial stress, low morale, depleted financial and health resources, and uncertainty about the future. How can PayActiv help in Post-COVID economy? - [Giving Thanks...To You](https://payactiv.com/blog/giving-thanks-to-you/) - We are nothing without our users. You are the ones who define us, inspire us, and complete us. - [5 Ways Hourly Workers Can Save Money](https://payactiv.com/blog/5-ways-hourly-workers-can-save-money/) - For most people, deprivation is the source of anxiety, not poetry; it lingers on until it's resolved. What are the 5 ways hourly workers can save money? - [Payactiv Provides Advice on How to Save Money When You Have None](https://payactiv.com/blog/savings-easier-said-than-done/) - Various statistics showed a certain percentage of Americans lacked the savings to meet a certain expense. But why don't they have enough savings they need? - [3 Ways to Respond to Employee Fears When Reopening](https://payactiv.com/blog/3-ways-to-respond-to-employee-fears-when-reopening/) - The gradual reopening of American business is underway after months of lockdown amid the COVID-19 pandemic. What should we respond to employees' fears? - [We Believe in American Workers](https://payactiv.com/blog/we-believe-in-american-workers/) - On-demand pay provides choice and flexibility for the American worker, and provides them with the opportunity to save and invest. - [How EWA is Helping Walmart Employees](https://payactiv.com/blog/how-payactiv-is-helping-walmart-employees/) - Hundreds of thousands of Walmart associates use Earned Wage Access powered by PayActiv each month. And why not? The rewards are substantial with on-demand access to their own money. - [It’s Time to be Amazing – IBEX’s Employee Financial Wellness Benefits](https://payactiv.com/blog/its-time-to-be-amazing-ibexs-secret/) - What does IBEX do? It’s simple. At no cost to the company itself, IBEX offers its 3,000 US based employees the PayActiv Holistic Financial Wellness Benefit. - [Teams Up with Fiserv for Instant Wage Access](https://payactiv.com/blog/payactiv-partners-provide-earned-wage-access/) - Fiserv-PayActiv partnership is an important milestone in the PayActiv journey to provide instant, affordable financial services at scale. - [NPC Offers Payactiv's Financial Wellness Benefit](https://payactiv.com/blog/npc-offers-payactiv-financial-wellness-benefit/) - NPC the nation’s fifth largest restaurant operator, has added PayActiv financial wellness benefit, to its list of employee benefits. - [How to Improve Employee Financial Wellness with EWA](https://payactiv.com/blog/how-to-improve-employee-financial-wellness/) - While you can’t help employees overcome every obstacle, you can give them the tools to succeed with their personal finances. - [How To Use Uber with Payactiv](https://payactiv.com/blog/uber-access-is-now-easier-for-payactiv-users/) - Payactiv Integrates with Uber for Business Read the press release Payactiv is proud to announce an innovative method to access Uber services. Rides are now available to the many who find themselves unable to enjoy Uber due to lack of liquidity and/or banking status. The creator of Earned Wage Access, Payactiv allows users to acquire - [Are Your Employees Struggling to Pay Utility Bills?](https://payactiv.com/blog/getting-utilities-shut-off-is-a-severe-issue/) - PayActiv surveyed 5,000 workers making less than $25 per hour across 58 companies in retail, manufacturing, healthcare, senior care, and hospitality jobs. Over half the participants were more than a month behind on utility bills. When you are worried about having the power, water, or gas shut off, it is difficult, if not impossible, for - [Paid, but Poor: The Hidden Hurts of Waiting for Pay](https://payactiv.com/blog/paid-but-poor-the-hidden-hurts-of-waiting-for-pay/) - He’s worried that he won’t have enough to buy food that night. She’s panicked that she’ll lose her electricity again. PayActiv puts wages in workers’ pockets so that they can tuck their worries away. Learn how. - [How to Improve Workplace Financial Wellness Programs](https://payactiv.com/blog/5-tips-financial-wellness-programs/) - Even after human resource managers invest heavily in planning and implementation, there is no guarantee that employee uptake and usage will be promising. - [5 Ways to Reduce Employee Financial Stress](https://payactiv.com/blog/5-ways-to-reduce-employee-financial-stress/) - As a manager, you’re in the best position to help your team thrive. Here are five great low-cost or no-cost methods to reduce employee financial stress. - [Alternative to Payday Loans: A Self-Sufficient Option](https://payactiv.com/blog/alternative-to-payday-loans-self-reliant-choice/) - The rising costs of goods and services, not to mention inflation hitting 9.1% in June, means more U.S consumers are feeling the pinch. As a result, many of them are taking on increasing debt in order to cope: Overall U.S. consumer debt is at an all-time high of $16.2 trillion, some $2 trillion higher than - [How to Reduce Employee Turnover](https://payactiv.com/blog/how-to-reduce-employee-turnover/) - While you may think your employee’s financial wellness is not a business concern, the reality is that improving an employee’s personal life can positively affect their performance. - [Strategies for Employee Retention](https://payactiv.com/blog/employee-retention-strategies-you-can-start-implementing-today/) - As a leading provider of an employee financial wellness solution, PayActiv has studied the impact of our services on employee retention. We’ve also compared it to other employee retention strategies. Here we have 4 effective ways you can effectively and measurably improve your employee retention rates. Once implemented, these strategies will create a work environment that caters - [Hourly Workers: Financial Security & Engagement](https://payactiv.com/blog/hourly-workers-financial-security-engagment-at-work/) - Any financial blow that overwhelms you can undermine you at work. And so goes the chain of events that make opportunity elusive to many hourly workers struggling to better themselves. - [Why Employees Need Timely Earned Wage Access](https://payactiv.com/blog/why-your-employees-use-earned-wage-access/) - Understanding Employee Needs Not only 40% of Americans don't have $500 in savings, they are also unbanked or underbanked. For an employer, it’s incredibly important to understand the financial stresses facing their employees when they are paid every two weeks while life happens everyday. Studies show that the borrowed money is used to pay for basic - [The Truth About Payday Loans](https://payactiv.com/blog/the-truth-about-payday-loans/) - Wondering what a payday loan is and how it works? Payactiv breaks down everything you need to know about this short-term loan option. - [How to Boost Employee Morale: A Complete Guide](https://payactiv.com/blog/boosting-employee-morale/) - The U.S. Army spent $287 million in attempt to make troops more optimistic and Johnson & Johnson saved $250 million over the past decade due to their wellness programs, proving just how necessary it really is—whether you’re at war or in an office—to feel good. - [Financial Wellness for Employees and Employers](https://payactiv.com/blog/employees-employers-both-gain-from-popular-financial-wellness-benefit/) - Growing number of employers are moving forward with new initiatives to help workers overcome financial struggles and reach new levels of financial stability. - [It's Time for Businesses to Be Heroic](https://payactiv.com/blog/its-time-for-businesses-to-be-heroic/) - There’s no reason for an employer to take a two-week, interest-free loan from their hourly workers. This film helps us get closer to our vision to bring security, dignity and savings to the millions experience financial stress. - [Improve the Hiring Process With Financial Wellness Benefits](https://payactiv.com/blog/attract-new-hires-and-improve-recruitment-with-financial-wellness/) - Being the company top talent wants is the challenge of a lifetime, isn't it? According to SHRM, more than two-thirds of organizations are having a hard time recruiting for job openings. And to make matters harder for employers (yet great for employees and the economy), the U.S. unemployment rate dropped and is holding steady, the lowest - [Interview: Toby Priddy, HR Director, Sun Com Mobile](https://payactiv.com/blog/interview-toby-priddy-hr-director-sun-com-mobile/) - 4 weeks is a long time for a person to go without a paycheck. With PayActiv, our new hires are able to access their earned income before their first scheduled paycheck. - [PayActiv Featured in NPR’s All Things Considered](https://payactiv.com/blog/payactiv-featured-in-npr-all-things-considered/) - With 40% of Americans unable to pay for a $400 emergency from savings, PayActiv CEO Safwan Shah believes “the problem is really a between-paychecks problem” for many workers. With PayActiv, workers can avoid expensive and predatory payday loans and instead tap into earned wages at little to no cost. Walmart is one of the largest - [Membership Does Have Privileges](https://payactiv.com/blog/membership-does-have-privileges/) - Financial wellness is not a one-time event. It takes years of focus and education, along with the right accounts, tools, and services, to end financial fragility and turn a paycheck-to-paycheck lifestyle in habitual savings. While workers in a wide range of industries and roles tap into PayActiv to get timely access to their earned wages - [How FinTech Creates Fin-Tax on the Working Class](https://payactiv.com/blog/how-fintech-creates-fin-tax-on-the-working-class/) - For 60 million families living paycheck to paycheck, PayDay loans are just the tip of a titanic financial iceberg I am thrilled to be joining Safwan Shah and his team of PayActivists (as a director). PayActiv is delivering a much-needed, much-deserved financial product, to help the families who are living paycheck to paycheck. We know we - [Why is PayActiv Winning?](https://payactiv.com/blog/financial-wellness-benefit-middle-low-income-employees/) - Financial Wellness Benefits for Low to Moderate Income Employees Surprises aren’t set to a schedule. And sometimes the unexpected can wreak havoc on your financial well-being. You may have been driving to work in the morning, as you always do, and “click,” your check engine light flashes on. It may have been a call at - [How the Financial Health of Employees Is Associated With Their Mental Health](https://payactiv.com/blog/yale-school-of-medicine-financial-health-a-prescription-for-mental-health-care/) - Chronic financial stress can manifest in physical as well as severe mental issues. Now, employers are in a position to help their employees overcome financial stress and improve their overall well-being. - [Valentine's Day Savings: How to Celebrate on a Budget](https://payactiv.com/financial-learning/valentines-day-savings-how-to-celebrate-on-a-budget/) - Valentine's Day is often associated with flowers, chocolates, and fancy dinners—but it doesn't have to leave you with an empty wallet. Creativity and planning can make the holiday feel magical without breaking the bank. From thoughtful do-it-yourself gifts to cozy nights in, these ideas will help you celebrate on a budget while still showing love - [Interview: Jennifer Smith, HR Director of Nazareth Home](https://payactiv.com/blog/jennifer-smith-hr-director-of-nazareth-home/) - "Payactiv has greatly affected our morale. When you see people smiling with a solution that’s easy and they share that with you, it’s amazing." - [Pay Bills with Earned Wages: Avoid Late and Overdraft Fees](https://payactiv.com/blog/bill-pay-with-payactiv-avoid-late-fees-and-overdraft-fees/) - Payactiv’s access to earned wages and bill pay services are the perfect solution for working people who struggle to meet payment deadlines of services like phone bills, utility bills, or credit card bills. The general perception is that if you are paying late fees on your bills then you must be either careless and need - [Walmart’s Direct2Cash Service Gives Payactiv Users Instant Cash Access](https://payactiv.com/blog/walmart-direct2cash-service-gives-payactiv-users-instant-cash-access/) - In December 2017 Walmart started offering Earned Wage Access (EWA) to their 1.4 million associates in America. Now a new partnership with Walmart brings another game-changing service to all PayActiv users—in just a few clicks on a phone or browser, workers around the country can pick their EWA in cash at any Walmart store with - [Financial Wellness for 1099s, Commission and Tipped Employees](https://payactiv.com/blog/financial-wellness-for-1099s-commission-and-tipped-employees/) - PayActiv Holistic Financial Wellness Platform helps every employee experience less financial stress and saves businesses time, money, and effort. - [Interview: Anne Segura, Sr. Director of HR, Baton Rouge Medical Center](https://payactiv.com/blog/happy-employees-make-for-great-caregivers-says-anne-segura-sr-director-of-hr-baton-rouge-medical-center/) - Anne Segura, Sr. Director of HR, tells us the improvements she’s seen in her employees’ lives and in the care of Baton Rouge General patients since implementing PayActiv. - [Taking a Closer Look at Hourly Worker Retention](https://payactiv.com/blog/employee-retention-taking-a-close-look-part-3/) - The unique challenges of retaining hourly workers, challenges PayActiv holds expertise in solving for both businesses and their employees. - [3 Call Center Training Ideas for Customer Service](https://payactiv.com/blog/3-training-ideas-to-engage-your-call-center-workers/) - Call centers consistently rank among the most stressful jobs in America, so if you run a call center, it is vital to give your staff regular morale boosters and opportunities to engage with the bigger goals of your company. One great way to do both at the same time is with a staff training session. - [How are Employees Impacted by Financial Stress?](https://payactiv.com/blog/what-your-lower-income-hourly-wage-workers-want-you-to-know/) - Many employees feel that there’s an “unwritten guideline” they have to adhere to when dealing with their company’s executives (i.e. always seem grateful, say yes to everything, don’t complain, overachieve, etc.). Eventually, this hurts workplace performance when employees suffer from personal and/or work-related difficulties in silence. Taking the fact that 90 million Americans live paycheck-to-paycheck - [WSJ: Payactiv Offers A Better Alternative to Payday Loans](https://payactiv.com/blog/wsj-better-alternative-to-payday-loans-using-salary-link/) - Harvard’s Kennedy School validates the PayActiv Model Not only is the PayActiv benefit validated by best research (The Power of the Salary Link), but it is also very well-received by users. When asked, 81% of users said they were more likely to stay with their employers due to the PayActiv benefit. The model works because - [Payactiv Provides Financial Wellness Services to Farm Workers](https://payactiv.com/blog/abc-news-businesses-offer-payactiv-financial-wellness-services-for-on-demand-pay/) - Nearly four out of five American households live paycheck to paycheck, so if a family doesn’t have the cash they need to pay for an emergency, they can easily be led to disastrous debt traps of credit cards and even expensive payday loans. ABC News talks to PayActiv user, Pearl Campos, of Gerawan Farming about how PayActiv - [Employee's Financial Wellness Make A Difference](https://payactiv.com/blog/employee-financial-wellness-make-a-difference/) - Happy employees create happy customers. It is no wonder then that employee financial wellness is the fastest growing benefit that retailers and other businesses are offering their employees. - [Attract the Best Retail Workers this Holiday Season](https://payactiv.com/blog/attract-the-best-retail-workers-this-holiday-season/) - The holiday season is the biggest time of the year for retail. Many retail stores staff up and add extra workers for the holidays. These seasonal workers likely look to holiday work to earn a little extra income to pay for holiday gifts or to help cover the bills. In either case, attracting the right - [Employee Financial Wellness Pays Off](https://payactiv.com/blog/employee-financial-wellness-pays-off/) - Employers have long focused on maximizing employee productivity, but most of those efforts tend to focus on technology and employee engagement while at work. But what about factors outside of the office? Many managers don’t realize the financial stress their employees deal with when they go home at the end of a shift. A recent - [Attracting Hourly Workers in the Gig Economy](https://payactiv.com/blog/how-employers-can-attract-hourly-workers-in-gig-economy-labor-market/) - The allure of the gig economy—or the wide variety of jobs that hire workers on a freelance, contract, on-demand, or temporary basis—is captivating for employees. In fact, the allure of the gig economy is so strong that it accounts for 34% of the U.S. workforce. Yet it’s creating a tricky problem for employers like you: you’re - [Five Reasons to Help Lower Income Employees Avoid Fin-Tax](https://payactiv.com/blog/five-reasons-to-help-lower-income-employees-avoid-fin-tax/) - “It just seemed like the right thing to do.” In an earlier article, How FinTech Creates Fin-Tax on the Working Class, we described many ways that your low-income employees are effectively “taxed” on money they need to meet their basic living costs, for rent and milk and diapers and keeping the car running that takes them - [What Happened when McDonald’s Took on Personal Money Management?](https://payactiv.com/blog/what-happened-when-mcdonalds-took-on-personal-money-management/) - But McDonald’s realized years ago that many of its employees might be struggling financially. Rising to the challenge, the company sponsored a well-meaning initiative in 2013 that was designed to give its workers budgeting advice. This didn’t turn out well. - [3 Simple Ways to Improve Financial Health](https://payactiv.com/blog/3-things-you-need-to-improve-employee-financial-wellness/) - The more the faith employees hold in their present and future prosperity, the more productive and engaged they are in your workplace. It’s simple, really. - [How PayActiv Helps Your HR Department](https://payactiv.com/blog/how-payactiv-helps-your-hr-department/) - Are you sick of handling the heavy work during implementation? (Orientation processes, educating employees on new benefits, administrative tasks, etc.) We know most companies are, which is why we’ve created a simple setup process that requires minimal effort from your company. - [The Correlation Between Financial Stress and Health](https://payactiv.com/blog/correlation-health-decline-financial-stress/) - The truth is, most employee stress—and therefore, most common employee health complications—can be traced back to financial instability. - [Interview with Sarah Stephenson of Craftworks Restaurant](https://payactiv.com/blog/sarah-stephenson-craftworks/) - As a forward-thinking HR executive, Sarah tells us about her passion for HR, how the PayActiv benefit has been received by the organization thus far, and what she hopes for the future. - [The Effects of Living Paycheck to Paycheck](https://payactiv.com/blog/financial-and-emotional-cost-of-living-paycheck-to-paycheck/) - When the financial markets imploded in 2008, I learned quickly that there was more to financial stress than I had once known on Wall Street. - [Statistics on the Financial Wellness of Employees](https://payactiv.com/blog/financial-health-the-missing-piece-of-employee-wellness/) - Financial stress in America—and the struggles low- to middle-income income employees deal with on a daily basis which compromise health and well-being—should be top-of-the-mind for employers nationwide. - [In Search of Financial Wellness](https://payactiv.com/blog/in-search-of-financial-wellness/) - Financial security and wellness have proven elusive to many of today’s workers. They express anxiety and uncertainty that is almost certainly debilitating in terms of their performance at work. - [How Walmart is Repealing FinTax for Employees](https://payactiv.com/blog/walmart-with-payactiv-repeals-regressive-fintax/) - By stepping up and offering financial wellbeing to their employees, Walmart is in effect repealing the FinTax levied on its 1.4 million U.S. associates. - [How to Save Money While Working](https://payactiv.com/blog/how-to-save-money-while-working/) - Saving is difficult for everyone, and even more so for those who barely make enough to meet their expenses. Yet having a savings for emergencies could not be more important if you are living on a tight budget because even a small unexpected expense could move you into debt which adds interest payments to the - [A Culture of Employee Engagement Benefits](https://payactiv.com/blog/creating-culture-of-employee-engagement/) - When employees are happy, they thrive. Consequently, so does their employer’s business. Yet what underlying factors need to exist for employees to feel true engagement? Let's take a closer look. - [The Payactiv Impact on Employees](https://payactiv.com/blog/the-payactiv-impact-on-employees/) - The security of knowing they can access money if the need arises changes how a person lives their life. They're able to breathe, manage their finances, and focus on life and work—an effective change leading to long-term financial health. - [Budget Like You Have a Dream: Turning Martin Luther King Jr.'s Vision into Financial Freedom](https://payactiv.com/financial-learning/budget-like-a-you-have-a-dream-turning-martin-luther-king-jr-s-vision-into-financial-freedom/) - "I have a dream." Dr. Martin Luther King Jr. once spoke these now-famous words, and they continue to inspire hope, resilience, and the pursuit of a better future for all Americans. While Dr. King’s vision was rooted in social justice and equality, his philosophy of dreaming big and striving for meaningful change can also apply - [The Best Financial Resolutions for 2025](https://payactiv.com/financial-learning/financial-resolutions-for-c/) - From your credit score to your bank account, reviewing your finances and moving forward with good spending strategies can put you in a position to financially thrive. - [Employee Net Promoter Score: It's More Than a Numeric Measure](https://payactiv.com/blog/employee-net-promoter-score-more-than-just-a-number/) - The average employee net promoter score amongst PayActiv users is 73, which means 8 out of 10 employees respond that they would recommend their place of work to others. - [Boost Employee Spirit and Productivity This Holiday Season](https://payactiv.com/blog/boost-employee-spirit-and-productivity-in-the-holiday-season-this-year/) - Easily implement these 4 things in your company to boost employee spirit and productivity this holiday season to offset financial and holiday stress. - [Happy Labor Day 2017](https://payactiv.com/blog/happy-labor-day-2017/) - We reiterate PayActiv’s commitment to reduce the systemic burden placed on low-income workers. By providing a fair, safe financial wellness solution. - [What Can Employers Do To Reduce Turnover and Stress?](https://payactiv.com/blog/financial-stress-increases-employee-turnover-what-can-employers-do/) - 71% of employees say they suffer from sever financial stress and 1 in 3 say that worrying about money matters effects their work. Employers can help employees break this cycle. - [How Financial Stability Affects Employee Engagement](https://payactiv.com/blog/engaged-employees-are-high-performers-but-financial-uncertainty-leads-to-disengagement/) - When margins are thin and competition is intense, you can’t simply raise wages and call it a day. You need creative options that can produce clear outcomes. - [Workers of the World, THANK YOU!](https://payactiv.com/blog/workers-of-the-world-thank-you/) - Because no matter what you’ve been told about robots and automation and artificial intelligence, hourly workers still provide much of the connective tissue that keeps our highly developed economic system functional. - [The Real Cost Of Waiting To Get Paid](https://payactiv.com/blog/overdraft-and-late-fees-real-cost-of-waiting-for-pay/) - When you're living paycheck to paycheck, even a tiny financial shock like an unexpected school expense quickly becomes an overdraft or a late fee. - [Improve Workers' Finances: Letter to Employers](https://payactiv.com/blog/open-letter-employers-time-improve-workers-financial-lives/) - The financial stress experienced by hourly workers isn’t relieved by standard HR financial wellness programs like retirement planning or health savings plans. - [The Cost of Turnover: Lost Productivity and Financial Stress](https://payactiv.com/blog/cost-of-turnover-lost-productivity-financial-stress/) - Research shows that 24% of employees are distracted at work due to finances and 71% of employees identify money as a source of stress. - [Financial Inclusion Solution for the Underserved](https://payactiv.com/blog/fintech-solution-for-financial-inclusion/) - Every once in a while, a product comes along that is too good to be true. In its simplicity and precision. That was the unparalleled reception I received from businesses, academics, activists and policy-makers at the Summit. - [How to Motivate Your Hourly Employees](https://payactiv.com/blog/how-to-motivate-your-employees/) - If a workplace is able to create an environment that leads to an increase in employee self-confidence and self-worth, it can potentially result in an inherent desire for the workforce to deliver it’s best. - [The Role of Leadership: Business and Social Responsibility](https://payactiv.com/blog/business-social-responsibility-employee-financial-health/) - Learn how leaders can prioritize business ethics and build business social responsibility at the center of their vision for success. - [How to End the Short Term High-Interest Loans](https://payactiv.com/blog/eliminate-short-term-loans-debt-spiral/) - The Consumer Financial Protection Bureau (CFPB) recently outlined its intent to make financial institutions the preferred providers of short-term, small dollar loans to U.S. consumers over payday lenders. - [HR Strategy for Corporate Financial Wellness Programs](https://payactiv.com/blog/hr-strategy-corporate-financial-wellness-programs/) - There is something HR can do to help employees relieve some of the financial-related stress while also relieving HR from its overwhelming administrative burden. - [Employee Wellness Program Benefits](https://payactiv.com/blog/a-tale-of-two-benefits/) - Felipe is 40-years-old, a machinist in New Jersey and the breadwinner of his household. He has very little in savings, no credit card, and struggles on a weekly basis to make ends meet and provide for his family. - [Making Payroll Just in Time](https://payactiv.com/blog/making-payroll-just-in-time/) - We usually target the symptom. We never go to the root cause. If people are living an unhealthy life, is it because they choose to live a certain way or is there a stress driving them to an unhealthy life? - [Demo Financial Wellness Solution at Finovate](https://payactiv.com/blog/payactiv-to-demo-financial-wellness-solution-at-finovatespring-2016/) - PayActiv will demo its turnkey, employer-sponsored financial wellness solution that reduces the time lag between when workers earn wages and the time they can actually access those earned wages to pay for daily necessities. - [Banking Disrupted Summit: The Future of FinTech](https://payactiv.com/blog/banking-disrupted-the-future-of-fintech/) - Through innovation and by building strategic alliances, together with banks and large employers PayActiv is helping businesses achieve their objectives while bringing financial wellness to their employees. - [10 Benefits of Financial Wellness Programs for Businesses](https://payactiv.com/blog/10-business-benefits-financial-wellness-programs/) - Eliminating the need for workers to turn to alternative, and often predatory, lenders to deal with immediate financial issues leads to a workforce without financial stress. - [An Idea Whose Time Has Come](https://payactiv.com/blog/an-idea-whose-time-has-come/) - The request was simple, “It is the 17th of the month. Can I get 10 days salary, and can you deduct it on the 1st when I get paid?” Fair enough, I thought. After all, this individual had already earned their money. - [Financial Health: Binging versus Grazing](https://payactiv.com/blog/boost-financial-health/) - If we have banished binging behavior in so many aspects of day-to-day life, ever wonder why our paychecks don’t follow suit? We work every day, incrementally earning our bread in a steady and sustained manner. - [Building Generational Wealth: Lessons from Black Entrepreneurs](https://payactiv.com/financial-learning/explore-the-lessons-from-these-inspiring-leaders-and-actionable-steps-you-can-take-to-secure-your-financial-future/) - Building generational wealth is a powerful way to create lasting change for your family and community. By learning from the financial strategies and resilience of prominent Black entrepreneurs, both past and present, you can start building your own pathway to financial freedom and stability. Let’s explore the lessons from these inspiring leaders and actionable steps - [How On-Demand Payroll Solutions Ease Employee Financial Stress](https://payactiv.com/blog/how-on-demand-payroll-solutions-ease-employee-financial-stress/) - Payroll on-demand is gaining recognition as a payroll model that addresses the limitations of the traditional pay cycle, which often doesn't align with workers' immediate financial needs. In this article, we’ll explore how on-demand pay tackles the financial stress many American workers face and helps them to better manage their personal expenses both short and - [“Sustaining the Livelihood of the Hourly Worker” With Sabina Bhatia](https://payactiv.com/blog/sustaining-the-livelihood-of-the-hourly-worker-with-sabina-bhatia/) - Payactiv Chief Customer Officer, Sabina Bhatia, joins host, William Tincup, on the recruiting daily podcast. Each week, the podcast looks at strategies behind the world's best talent acquisition teams. This week, Sabina and William discuss how Payactiv’s Earned Wage Access, Livelihood Platform, and more are transforming the lives of hourly workers. Listen here or read - [Why it “Pays” to Love Your Employees](https://payactiv.com/blog/why-it-pays-to-love-your-employees/) - Happy, satisfied employees are more productive and engaged. To create a welcoming atmosphere, encourage communication, and show appreciation. Create opportunities for fun and let employees make the workplace their own. Support them with tools and benefits to help them reach their goals. At a time when organizations are struggling to hire and retain employees, many - [What Are Payroll Expenses and Costs – A Quick Overview](https://payactiv.com/blog/what-are-payroll-expenses-costs/) - Payroll expenses are the costs associated with compensating people for the work they do for your business – whether they’re full-time workers, hourly workers, or contractors. Payroll costs often represent a company’s greatest expense category, so it’s vital to keep a close eye on your payroll expenditures and manage them carefully. In this article, we’ll - [Why Loyalty In The Workplace Is Important](https://payactiv.com/blog/loyalty-in-the-workplace/) - Many employees are staying longer in their current roles due to the stability employers provide. But don’t let outward behaviors deceive you. According to a new report from Gallup, over half of U.S. employees are watching or actively seeking a new job. To foster their people’s loyalty, employers need to do more than just offer - [The Cost of Replacing an Employee In Business](https://payactiv.com/blog/cost-of-replacing-an-employee/) - When measured in monetary terms, the direct costs of replacing an employee can range from 50% to 200% of their annual salary (one-half to twice their annual salary). But the price goes well-beyond dollars and cents. After people leave, companies can lose more than $50,000 a month in productivity for every 100 employees remaining. Equally - [The Top Benefits for Hourly Employees](https://payactiv.com/blog/hourly-employee-benefits/) - For decades, many hourly workers drew the short straw in regard to employee benefits packages, not enjoying the same perks as their full-time salaried counterparts. The benefits previously beyond the reach of hourly workers included paid vacation time and sick leave, retirement and health insurance benefits, opportunities for career advancement, and shift flexibility. However, with - [Cashed Out: The High Cost of Living Outside the Banking System](https://payactiv.com/blog/unbanked-cost-of-living-outside-the-banking-system/) - Human resources has never directly deposited George’s paycheck from the franchise diner where he is a short-order cook; and, at thirty-four, George has never cashed his check at the bank on the corner. He has never viewed his account balances online, nor has he transferred money from one account to another. None of this is - [Give Your Workers Room for Dreams](https://payactiv.com/blog/give-your-workers-room-for-dreams/) - “To help workers find time to pursue their dreams." Why is this important to employees and to you, the employer? Let PayActiv tell you why. - [The Destination App for the Financially Underserved](https://payactiv.com/blog/to-be-the-destination-app-for-the-financially-underserved/) - We have a vision that one day all workers will not only have Earned Wage Access, but to a multitude of tools that will enhance their lives. - [The Lucky Ones: Every Worker Deserves On-Demand Pay](https://payactiv.com/blog/the-lucky-generation-deserves-on-demand-pay/) - The millennials are considered as "the unluckiest generation" since they've been through two recessions in their early years. They deserves to be lucky. - [Sustainability: Social, Economic, and Environmental](https://payactiv.com/blog/sustainability-social-economic-and-environmental/) - Social, Economic, and Environmental sustainability are considered as three traditional sustainability in recent years. What do they mean to PayActiv? - [Human Sustainability: The Heart of Every Company](https://payactiv.com/blog/human-sustainability-the-heart-of-every-company/) - Many workers with different specialty work as one in a company, every one of them is essential. How do you sustain those essential workers? - [Dealing with Financial Stress for a Happier and Healthier Life](https://payactiv.com/blog/how-easing-financial-stress-leads-to-happier-healthier-lives/) - Life is hard, but COVID-19 makes it even more unbearable. Come see how PayActiv can help easing the financial stress for employees. - [Certified B Corporations vs. Public Benefit Corporations](https://payactiv.com/blog/demystifying-certified-b-corps-and-public-benefit-corporations/) - Any business can claim to be operating “sustainably” or “consciously,” but it’s not always clear what those terms mean. So what's Certified B Corps? - [Three Reasons Payactiv Is In Demand](https://payactiv.com/blog/three-reasons-payactiv-is-in-demand/) - The year 2020 ushered in a global pandemic and, with it, new opportunities to rethink how we help our employees thrive. As such, we at Payactiv have strengthened our commitment to providing immediate pay and financial wellness solutions to employees. Here’s how: 1. Life Changes Every Day, and Payactiv’s Along for the Ride Change - [What Exactly is “Financial Wellness”?](https://payactiv.com/blog/what-is-financial-wellness/) - You can’t offer what you can’t define. - [New York Times Highlights Payactiv](https://payactiv.com/blog/new-york-times-highlights-payactiv/) - PayActiv was proud to be included in a NY Times article on October 2, 2020. - [Retaining & Recruiting Top Talent in Manufacturing](https://payactiv.com/blog/retaining-and-recruiting-top-talent-in-the-manufacturing-industry/) - Happy workers are a win-win for your business. Follow these steps to retain and recruit top talent at your manufacturing company. - [EWA: An Alternative to Payday Loans](https://payactiv.com/blog/ewa-an-alternative-to-payday-loans/) - No employer wants their employees to experience undue hardship. Take your first step toward empowering your greatest assets, your people. Contact us today. - [Programs for the Well-Being of Employees](https://payactiv.com/blog/number-1-thing-businesses-can-do-for-employee-wellbeing-in-2021/) - #1 Thing Businesses Can Do for Employee Well-being in 2021 By Peter Mullen | May 26, 2021 Why Earned Wage Access & Employee Financial Well-Being Are This Year’s Hottest Topics Up to half of American workers live paycheck to paycheck. The biweekly pay cycle is an endless loop of emotional distress. How can your best - [Recruiting Employees in a Post-COVID World](https://payactiv.com/blog/recruiting-workers-in-a-post-covid-world/) - The world has changed. Have you? You don’t have to look far to know that businesses are struggling to find hourly workers. Recent headlines about McDonald’s raising their wages an average of 10% across their workforce is just one example demonstrating the difficulty of hiring in the post-COVID labor squeeze. This challenge exists coast to - [What Is On-Demand Pay and What Are The Benefits?](https://payactiv.com/blog/what-is-on-demand-pay-and-what-are-the-benefits/) - There are many great benefits to On-Demand Pay, but what is it and how can it benefit your business and your employees? Did you know that here in the United States—the richest and most independent country the world has ever known—millions of Americans are living paycheck-to-paycheck? This sobering truth is quite unsettling. But according to - [Reduce Employee Turnover, Practical Steps and Cost Effective Ways](https://payactiv.com/blog/reduce-employee-turnover/) - The best-performing businesses place the experience of their employees front and center. They understand their customers, systems, and processes and the little tricks that make an organization tick. Of course, a reasonable level of employee turnover can freshen up the team. But too much can harm the business, increase costs, and erode key capabilities. So - [What's the Secret Sauce Behind Flexible Workforce Incentives?](https://payactiv.com/blog/hourly-workforce-incentives-whats-the-secret-sauce/) - Increasing numbers of businesses are embracing flexible working practices and initiating employee rewards and benefits programs, appreciating the role they play in boosting employee engagement, and reducing levels of absenteeism and staff turnover. But there’s a large sector of the population that’s yet to truly benefit from this welcome evolution in human capital management: hourly - [Improve Your Employee Value Proposition](https://payactiv.com/blog/employee-value-proposition/) - As the war for talent rages on and candidate shortages escalate, the balance of power has tipped firmly in favor of job seekers. Now, they can pick and choose among prospective employers, and their expectations have never been higher. If you’re hoping to entice great people to apply for roles in your organization, you’ll need - [Seasonal Job On-Demand Pay- EWA](https://payactiv.com/blog/2021-seasonal-job-hiring-for-retail-and-warehousing/) - The 2021 holiday season is all but upon us. After almost two years of pandemic-induced disruption and – for many businesses – extremely lean times, this period is viewed as an opportunity to claw back some much-needed revenue. But there’s a problem. Organizations – predominantly those in the retail and warehousing/logistics industries – are struggling - [Holiday 2021: Payactiv Goal-Based Savings](https://payactiv.com/blog/smart-budgeting-tips-for-holidays/) - Smart Budgeting Tips for the Holidays Introducing SmartSave, SmartSpend, and Goal-Based Savings The holiday season is a fun time of the year. But while it’s fun to give and receive gifts, it’s essential to avoid overspending and going into debt during the holidays. A recent survey by Affirm found that 70% of Americans go over - [National Fast Food Day:
Thanking the Fast Food Workers](https://payactiv.com/blog/national-fast-food-day-thanking-the-qsr-worker/) - Quick Service Restaurants (or Fast Food Restaurants as they’re more commonly referred to) have been there for us our whole lives. In this way, so have QSR workers. We all remember going to Mcdonald’s as a kid to indulge in a sweet treat. As teens and college students, we likely grabbed a quick meal at - [Best Instant Money App Features](https://payactiv.com/blog/best-instant-money-app-features/) - A car breakdown, an unexpected medical bill, and a broken appliance. We all know how these frustrating life events are, and they always seem to crop up at the worst possible time. When life throws us unwelcome curveballs, many of us don't have cash on hand to pay our way out of the crisis. Many - [Announcing Payactiv Connect - VP of Product, Michael Gregorio](https://payactiv.com/blog/announcing-payactiv-connect-vp-michael-gregorio/) - Peter: Hello. I'm here today with Payactiv's vice president of product, Michael Gregorio, to tell us about an exciting new feature. Welcome, Michael. Michael: Hey, Peter. How are you doing? Peter: Excellent. Let's dive right into it. What is Connect? Michael: Sure. Payactiv Connect is a communication platform for their deskless workforce. You can easily - [Sabina Bhatia on "Mission Matters" Podcast](https://payactiv.com/blog/sabina-bhatia-mission-matters-innovation-podcast/) - Adam Torres: Hey, I'd like to welcome you to another episode of Mission Matters. My name is Adam Torres, and if you'd like to apply to be a guest in the show, just head on over to MissionMatters.com and click on be our guest to apply. All right. So today I have Sabina Bhatia on - [The Average American Debt (and What You Can Do About It!)](https://payactiv.com/blog/average-american-debt-and-what-you-can-do-about-it/) - Debt has become an American way of life. Most people of all ages and from all walks of life incur a level of debt at some time in their lives. Therefore, it makes sense to understand the different types of debt that most of us incur at different times in our lives and why. In - [What Is Employee Absenteeism and What You Can Do About It](https://payactiv.com/blog/what-is-employee-absenteeism-and-what-you-can-do-about-it/) - Absenteeism happens when an employee starts missing work frequently or doesn’t keep to their contracted number of hours. Absenteeism can become a disruptive force in the workplace – it can be costly for employers and inconvenient for co-workers. This holds true for both full-time and shift-based workers. For decades, absenteeism in the workplace has been - [Workforce Productivity 101:
How to Get Employees Engaged](https://payactiv.com/blog/workforce-productivity-101-how-to-get-employees-engaged/) - In fact, a study found that only one in five (21%) employees would describe themselves as very engaged at work, and it's estimated that this disengagement can cost US businesses up to $550 billion per year. So as you can see, this is a big problem. But how do you go about fixing this issue, - [What Does On Demand Pay Mean?](https://payactiv.com/blog/what-does-on-demand-pay-mean/) - While we all enjoy the holidays leading up to the new year, they can put a strain on our finances. Many people who don’t have cash on hand will turn to credit cards, short-term installment loans, or even payday loans to fund these expenses. The good news is that there’s a better option – pay - [The Best Budgeting Strategies](https://payactiv.com/blog/the-best-budgeting-strategies-for-the-new-year/) - Do you have a budget for this year? If you don’t, now is the time to set one up! Budgeting is the best way to keep your spending under control, make sure you have enough to cover your bills, and help you save more every month. But creating your own budget can seem like a - [Financial Challenges for Black Community](https://payactiv.com/blog/overcoming-unique-financial-challenges-facing-the-black-community/) - Every day, Payactiv works to level the playing field for all Americans struggling to make it between paychecks. The struggle is even harder for African-American and all people of color. This is Black History Month. The United States has a lot of work to do to create a financial experience where every American has the - [3 Ways to Make Hotel Staff Enjoy Their Stay](https://payactiv.com/blog/a-wake-up-call-3-ways-to-ensure-your-hotel-staff-enjoy-their-stay/) - Hotel patrons are often told to “enjoy their stay”, but do the hard-working people behind the front desks that serve these patrons also enjoy their stay? Thousands of hotel employees ask themselves this question every year and the resounding answer is “no”. According to the Bureau of Labor Statistics, in an average year, the hospitality - [Companies 'Aid for Hourly Workers' Income Stress](https://payactiv.com/blog/sabina-bhatia-on-how-companies-help-hourly-paid-workers-with-income-stress/) - What should companies be doing to compete for hourly workers in today's competitive market? Sabina Bhatia, Payactiv’s Chief Customer Officer, speaks with Linda Nazareth about why access to earned wages can ease employee financial stress. Linda Nazareth is the host of The Work and the Future podcast, a show dedicated to trends shaping the future - [Sabina Bhatia on “Responsibly Different” with Benn Marine](https://payactiv.com/blog/sabina-bhatia-on-responsibly-different-with-benn-marine/) - At the start of 2022 64% of the U.S. population was living paycheck to paycheck (Lending Club Report). Predatory lending practices create an even greater burden on working Americans as they need access to their income more quickly. Payactiv is working to close that gap by creating Earned Wage Access. Join Benn Marine, Director of - [Reducing Employee Turnover with Financial Wellness Programs](https://payactiv.com/blog/how-to-reduce-employee-turnover-using-financial-wellness-programs/) - Employee Support in 2021 with Earned Wage Access Let's face it. Losing a quality employee is painful. It costs your company in customer relations, institutional knowledge, hiring, and recruitment. The morale of your teams is also affected. But many employers believe that offering a high salary is enough to keep workers. Employees need more than - [What is Earned Wage Access?](https://payactiv.com/blog/what-is-earned-wage-access/) - Earned Wage Access “allows employees to safely draw some or all of their earned wages before payday” according to the Financial Health Network. This is also known as EWA or on-demand pay. Payactiv invented Earned Wage Access in 2012 and our platform makes it possible for employers to offer their employees access to their earned - [8 Ways to Support Teachers and Education Workers](https://payactiv.com/blog/8-ways-to-support-teachers-and-education-workers/) - As the Summer vacation winds down, millions of students, teachers, and education workers across the country are preparing to head back to school. For parents, preparing kids for the new school year includes everything from shopping for supplies and clothes to scheduling checkups and coordinating schedules. Teachers need to start developing their lesson plans and - [The Power of On-Demand Pay: Revolutionizing the Way Workers Access Their Earnings](https://payactiv.com/blog/the-power-of-on-demand-pay-revolutionizing-the-way-workers-access-their-earnings/) - 82% of employed North Americans think about their finances at work, potentially generating $664 billion in lost productivity. More companies are putting workers' needs first by offering on-demand pay. This innovative payroll model departs from antiquated models by allowing employees to access their earned but unpaid wages before their regular payday. Offering employees access to - [Unlocking the Potential of Your Retail Workforce with On-Demand Pay](https://payactiv.com/blog/unlocking-the-potential-of-your-retail-workforce-with-on-demand-pay/) - There are currently 5.5 million more job openings in retail than there are workers to fill them. Pay increases alone aren’t the answer to this skills shortage. Retailers must take a multi-pronged approach to enticing workers to join them and retain them. On-demand pay is recognized as a core part of modern retailers’ recruitment and - [Give Your Employees the Gift of Financial Resilience with On-Demand Pay](https://payactiv.com/blog/give-your-employees-the-gift-of-financial-resilience-with-on-demand-pay/) - Over half of Americans expect inflation and a potential economic slowdown to impact their July 4th holiday celebrations and shopping. Offering employees access to on-demand pay empowers them to stretch their earnings and meet their financial wellness goals. 1 in 6 working Americans thinks all employers should offer their employees immediate access to their earned - [Unlocking the Potential of Your Multi-Generational Workforce with On-Demand Pay](https://payactiv.com/blog/unlocking-the-potential-of-your-multi-generational-workforce-with-on-demand-pay/) - As U.S. skills shortages remain persistently high, forward-looking employers realize that skills are more important than age. A multi-generational workforce promotes diverse thinking and can offer significant business benefits. Tapping into this potential requires putting the correct leadership, communication, upskilling, and flexible employee benefits and payroll structures in place. Today, our economy has five generations - [Payactiv Becomes Registered EWA Provider in Missouri](https://payactiv.com/blog/payactiv-becomes-registered-ewa-provider-in-missouri/) - Earlier this month, Payactiv became one of the first registered earned wage access (EWA) providers in Missouri. Payactiv is proud to partner with hundreds of employers in the state to enable their employees to access their wages on demand. Through the new registration, Payactiv is compliant with all relevant laws and regulations in Missouri. Payactiv - [EWA Overwhelmingly Used for Livelihood Needs](https://payactiv.com/blog/ewa-overwhelmingly-used-for-livelihood-needs/) - Amid stubborn inflation and rising costs of living, 61 percent of Americans live paycheck-to-paycheck – which increases to a whopping 78 percent of workers for those earning less than $50,000 a year. Without an emergency fund, unexpected expenses that arise between paychecks, like a child’s doctor visit or a flat tire, can be devastating for - [How On-Demand Pay is Changing the Way We Get Paid](https://payactiv.com/blog/how-on-demand-payroll-is-changing-the-way-we-get-paid/) - Most organizations think about payroll as a rigid process where payment dates are set in stone, but on-demand pay is becoming increasingly popular. These on demand payroll solutions allow workers to access some or all of their earned wages as soon as they have clocked out of a shift through a mobile app. The concept - [Democrat Governor Laura Kelly Signs Kansas EWA Bill into Law](https://payactiv.com/blog/democrat-governor-laura-kelly-signs-kansas-ewa-bill-into-law/) - On April 19, Governor Laura Kelly (D-KS) signed the country’s fourth earned wage access (EWA) bill into law. The bill received broad bipartisan approval in the Kansas House of Representatives and Senate, and Payactiv was proud to support the bill. Like other states before it, the bill creates a new licensing system for EWA providers. - [South Carolina Governor Signs Earned Wage Access Bill into Law](https://payactiv.com/blog/south-carolina-governor-signs-earned-wage-access-bill-into-law/) - On May 21 in Columbia, South Carolina Governor Henry McMaster signed into law an earned wage access (EWA) bill that creates a new registration system for EWA providers and encodes important consumer protections into law. Sponsored by Senator Tom Davis, the bill received broad bipartisan support in both chambers, including unanimous passage in the Senate. - [Concluding consultative process, California finalizes Earned Wage Access regulations](https://payactiv.com/blog/concluding-consultative-process-california-finalizes-earned-wage-access-regulations-2/) - California’s Department of Financial Protection and Innovation (DFPI) announced finalized regulations for the earned wage access (EWA) industry earlier this week. Payactiv’s existing service model is already fully compliant with these regulations, and we are proud to continue providing our users with the EWA services they value without changes or interruptions. The finalized rule follows - [Your Complete Guide To On-Demand Pay](https://payactiv.com/blog/complete-guide-to-on-demand-pay/) - If you are looking to offer on-demand pay to your employees, then we've got you covered. Take a look at the guide here! - [Leveraging Library Services Beyond Books to Save Money](https://payactiv.com/financial-learning/leveraging-library-services-beyond-books-to-save-money/) - When most people think of the library, they usually picture shelves filled with books. And while borrowing books for free is a great way to save money and learn about a fantastic array of topics, libraries offer so much more. Today’s libraries are hubs for information resources, technology, and community services, many of which can - [The Ripple Effect of Growth: Building Up Employees to Create Stronger Businesses](https://payactiv.com/blog/the-ripple-effect-of-growth-building-up-employees-to-create-stronger-businesses/) - The ripple effect is the notion that every action has a knock-on effect for several different entities. When you drop a pebble in a pond, it creates a series of ripples that span across the water, affecting plants and animals that may be on the water. In business, you need to understand how your actions - [Urban Outfitters Transforms Employee Financial Wellness with Payactiv](https://payactiv.com/case-studies/urban-outfitters-casestudy/) - Industry: Retail Meeting Employees’ Everyday NeedsUrban Outfitters recognized a challenge their workforce was facing. Many staff members faced a harsh reality: with the rising cost of living, essentials like bus fare, subway or gas money became daily obstacles, making it difficult to get to work and manage everyday expenses.Urban Outfitters previously offered small employee loans - [The Cost of Food in 2025: How to Save Big on Groceries Each Week](https://payactiv.com/financial-learning/the-cost-of-food-in-2025-how-to-save-big-on-groceries-each-week/) - Food prices seem to be at an all-time high, with staggering costs for everyday staples. If you’re living on a budget, grocery shopping can feel particularly challenging in 2025. Rather than stress about our next trip to the grocery store, however, we can focus on money-saving strategies that help us make the most out of - [How Norman Regional Health System Reduced Employee Financial Stress and Boosted Retention](https://payactiv.com/case-studies/norman-healthcare) - Industry: Healthcare About Norman Regional Health SystemNorman Regional Health System (NRHS) is a multi-campus system that serves the health and wellness needs of regional communities throughout south-central Oklahoma. The ChallengeIn mid-2022 NRHS launched a workforce optimization committee led by Keith and Brittni who have a unique partnership between the clinical workforce and HR. The committee was - [Building a Legacy of Equity: How Companies Can Honor MLK Day by Building Hourly Workers’ Financial Resilience](https://payactiv.com/blog/building-a-legacy-of-equity-how-companies-can-honor-mlk-day-by-building-hourly-workers-financial-resilience/) - On January 20, 2025, the Dr. Martin Luther King, Jr. holiday will mark the 30th anniversary of this National Day of Service. Martin Luther King (MLK) Day was established to honor the life and legacy of Dr. King — a fierce advocate for the betterment of all people — and to encourage all Americans to - [10 Ways to Save on Your Daily Commute](https://payactiv.com/financial-learning/10-ways-to-save-on-your-daily-commute/) - Commuting can be a major expense. Between fuel, vehicle maintenance, insurance, and parking, or public transit fares, the costs can quickly add up and eat into your budget. However, you can follow simple and practical strategies to save money on your daily commute. Here are 10 ways to keep more of your hard-earned dollars while - [How Early Payday Apps Improve Employee Retention and Satisfaction](https://payactiv.com/blog/how-early-payday-apps-improve-employee-retention-and-satisfaction/) - Even if your employees make enough money to pay all their bills, they may struggle when they're due all at once and payday is still a few days away. To address this challenge, many companies are introducing early payday apps that allow workers to receive a portion of their income before payday. In this article, - [Good Cents Podcast Episode 44: How to Earn 400 More Per Month](https://payactiv.com/good-cents-podcast/good-cents-podcast-episode-44-how-to-earn-400-more-per-month/) - In this episode of The Good Cents by Payactiv Podcast, host Eric Rosenberg welcomes Daniella Flores, a side hustle expert and founder of I Like to Dabble, to share her insights on how people can earn at least $400 a month through side hustles. Daniella dives into various side hustles and gig apps, explaining how - [Good Cents Podcast Episode 45: Utility Saving](https://payactiv.com/good-cents-podcast/good-cents-podcast-episode-45-utility-saving/) - In this episode of Good Cents by Payactiv, host Eric Rosenberg explores practical ways to tackle utility expenses, including energy, water, and internet bills. These essentials can strain monthly budgets, but Eric highlights financial assistance programs and energy-saving strategies to ease the burden. Whether you're struggling with high bills or simply looking to save, this - [Good Cents Podcast Episode 43: Financial Planning For Next Year](https://payactiv.com/good-cents-podcast/good-cents-podcast-episode-43-financial-planning-for-next-year/) - In this episode of The Good Cents by Payactiv Podcast, host Eric Rosenberg welcomes Katie Brewer, CFP, to discuss practical tips for financial planning as we enter 2024. Whether you're starting to plan or want to improve your current habits, this episode provides actionable advice to set you up for financial success in the new - [Good Cents Podcast Episode 42: Year End Financial Planning Tips](https://payactiv.com/good-cents-podcast/good-cents-podcast-episode-42-year-end-financial-planning-tips/) - In this episode of The Good Cents by Payactiv Podcast, host Eric Rosenberg and guest Jen Smith, budgeting expert and author, share practical strategies for effective year-end financial planning. As the year winds down, it's the perfect time to reflect on your financial habits and set the stage for a successful new year. Here are - [What is a B-Corp and Why Does it Matter](https://payactiv.com/blog/what-is-a-b-corp-and-why-does-it-matter/) - A ‘B Corp’ is a designation that reflects a company’s dedication to social and environmental good practices beyond just profit. It’s a seal of the organization’s unwavering commitment to transparency and accountability and desire to positively impact society and the planet. Companies receive a B Corp certification by B Lab, a nonprofit organization looking to - [Industry Report 2024: Employee Turnover and Retention Rate Trends](https://payactiv.com/blog/industry-report-2024-employee-turnover-and-retention-rate-trends/) - Employee retention is an indication of an organization's ability to retain a stable workforce. It shows the number of employees who stay with a company for a certain period of time compared to their total number of employees over that period. Over the last several years, employee retention has risen to the top of the - [Back to School Education: Building a Financially Savvy Workforce](https://payactiv.com/blog/back-to-school-education-building-a-financially-savvy-workforce/) - According to recent research, only 57% of American adults are financially literate. This means many of today’s employees lack the financial acumen they need to live their best lives. In today’s complex and uncertain financial landscape, the importance of building your employees’ financial literacy and resilience has never been greater. Many companies have gone beyond - [Why Effective Onboarding Is More Important Than Ever](https://payactiv.com/blog/effective-onboarding-strategies-maximize-employee-retention/) - Congratulations – You’ve finally ended your long search for that perfect candidate to fill that critical role. Now it’s time to welcome your new team member properly, create a great first impression, and set them up for success. This is where effective employee onboarding comes into play. The employee onboarding process is a long-term initiative - [2025 Job Market: Skills in Demand and How to Upgrade Yours](https://payactiv.com/financial-learning/2025-job-market-skills-in-demand-and-how-to-upgrade-yours/) - The job market constantly evolves, and staying ahead means knowing which skills employers value most. As we step into the new year, workplace demands are shifting toward a blend of technical, creative, and interpersonal abilities. With the right resources and determination, you can upgrade your skills to match those demands and unlock new, higher-paying career - [Payactiv Is Not a Bank, but You Can Bank on Us](https://payactiv.com/blog/payactiv-is-not-a-bank-but-you-can-bank-on-us/) - Fintech companies like Payactiv have gotten a lot of attention lately from banks, especially from the traditional, brick-and-mortar kind of banks. It seems like a David and Goliath kind of story. Except it’s really not. How Payactiv Bridges the Gap Between Banking and Financial Services Payactiv connects people’s earnings with a digital wallet and an - [Payroll Solutions for Advance Pay: Taking the Friction Out of Pay Advances](https://payactiv.com/blog/payroll-solutions-for-advance-pay/) - Learn how Payactiv can help you take the friction out of pay advances with access to wages you've already earned. - [What Does a High Turnover Rate Indicate for Your Business?](https://payactiv.com/blog/what-a-high-turnover-rate-indicates/) - According to a recent Gallup survey, 51% of U.S. employees are watching or actively seeking a new job. Relatedly, a Glassdoor report showed that the number of employee reviews that mention “burnout” had hit its highest level since 2016. And Upwork released data saying that one in three employees are likely to quit their jobs - [A Guide to Becoming a Socially Conscious Business](https://payactiv.com/blog/socially-conscious-businesses/) - Business have a responsibility to adopt responsible business practices that take into account both the bottom line and the impact their activities on society may have. Social initiatives are not just about giving back; they're about building bridges of trust with employees, customers and communities. But what does being a Socially conscious business really mean, - [Benefits of Direct Deposit: A Guide for Employers](https://payactiv.com/blog/benefits-of-direct-deposit-payments-guide/) - The concept of giving and receiving money in return for work carried out has been around for thousands of years. In fact, some of the earliest records of ancient civilizations include wage data scribbled on sheets of papyrus. Over the past several decades, approaches and methods of paying employees have evolved significantly. In this article, - [3 Ways to Recognize and Support Shift Workers: Happy National Night Shift Workers Day](https://payactiv.com/blog/3-ways-to-support-night-shift-workers/) - In today’s “always on” economy, there’s an expectation for round-the-clock services. This has led to an increased need for night shift workers. Many industries rely on so-called “graveyard shift” workers to ensure smooth operations and uninterrupted customer service. Every night, millions of Americans work the night shift. Some 16% of US wage and salary workers - [What Is a Payroll Card and How Does It Work?](https://payactiv.com/blog/what-is-a-payroll-card-and-how-does-it-work/) - What is a payroll card and how does it work? We explain the answers here along with how a payroll card can benefit your employees. - [Bartering to Save Money: Apps and Platforms for Cashless Exchanges](https://payactiv.com/financial-learning/bartering-to-save-money-apps-and-platforms-for-cashless-exchanges/) - In a world where every dollar counts, finding creative ways to save and stretch your budget can make a big difference. One effective method is bartering—exchanging goods or services without using cash. Bartering has been around for centuries, but modern technology gives it a fresh twist, making it easier than ever to connect with others - [Tailoring Open Enrollment to the Needs of Your Multi-generational Workforce](https://payactiv.com/blog/tailoring-open-enrollment-to-the-needs-of-your-multi-generational-workforce/) - In today’s workplace, diversity isn’t just limited to gender, race, ethnicity, or disability status. It also encompasses generational diversity. Baby Boomers, Gen X, Millennials, and Gen Z are working together, each cohort with unique preferences and priorities. Recognizing the distinct attributes of your workforce is especially important during open enrollment season, when you’re seeking to - [Financial Tools and Resources to Start a Side Hustle](https://payactiv.com/financial-learning/financial-tools-and-resources-to-start-a-side-hustle/) - If you need startup funding for your side hustle, you can look for grants and interest-free loans in your community. You can also save the money to fund your side hustle using tools like Payactiv’s Goal-Based Savings1. Don’t forget to cut your expenses where you can. For example, you can utilize free tax services like - [How to Level Up Your Chances of Getting Hired](https://payactiv.com/financial-learning/how-to-level-up-your-chances-of-getting-hired/) - How to Level Up Your Chances of Getting Hired: A Step-By-Side Guide To increase your odds of getting your resume seen by a hiring manager, include keywords and qualities mentioned in the job description so your application passes any AI screening processes. Networking remains one of the most powerful ways to get yourself in front - [Why Hospitality Workers Walk Away: Addressing the Root Causes of Turnover](https://payactiv.com/blog/why-hospitality-workers-walk-away/) - The hospitality industry is experiencing a boom in demand yet faces a significant hurdle: a hiring crisis and a nationwide workforce shortage for key workers, including housekeepers, front desk staff, hotel managers, bartenders, servers, and banqueting staff. In this article, we’ll deep dive into hospitality industry turnover and explore potential solutions to help employers navigate - [Workplace Financial Wellness–5 Ways to Help Your Employees Offset the Rising Cost of Living](https://payactiv.com/blog/workplace-financial-wellness-5-ways-to-help-your-employees-offset-the-rising-cost-of-living/) - The cost of living—from groceries to transportation to housing—remains a prominent concern across the U.S. as prices continue to soar. It’s no surprise that Americans rank inflation as one of the top problems facing the country. In the current economic landscape, many workers are grappling with the cost of living crisis, and the consequences of - [Giving Thanks For Financial Flexibility](https://payactiv.com/blog/giving-thanks-for-financial-flexibility/) - Thanksgiving—a special day when we stop and consider our blessings. Yet, alongside the festive feeling, social gatherings, traditions, and happy moments, financial worries can put a damper on the traditional Thanksgiving spirit and enthusiasm, making it difficult for people to feel truly thankful. For the millions of Americans living paycheck to paycheck and with little - [How to Show Compassion in the Workplace in 12 Different Ways](https://payactiv.com/blog/compassion-in-the-workplace/) - Compassionate workplace culture not only breeds happier employees, but also increases productivity, business efficiency, and employee loyalty. - [Employee Expectations In the Workplace: What Your Workforce Wants](https://payactiv.com/blog/employee-expectations-in-the-workplace/) - Understanding employee expectations is crucial, after all, your employees are your company’s most important assets. They’re the ones who bring energy, skills, and experience to drive your business forward and build success in your marketplace. And they’re also the ones who will make or break your brand reputation in the eyes of your customers. After - [Payroll Risk Management Strategies](https://payactiv.com/blog/payroll-risk-management-strategies/) - No matter the size or nature of your business, payroll is something you have to monitor and manage carefully. The payroll process can be complex to understand, especially as the rules and regulations governing it are numerous and constantly changing. If you fall foul of legislation, you could face steep payroll penalty fines, potentially damaging - [Negotiating Bills: Scripts for Lowering Your Monthly Expenses](https://payactiv.com/financial-learning/negotiating-bills-scripts-for-lowering-your-monthly-expenses/) - Most people don't realize they can save on many of their monthly bills with a simple phone call. For example, calling cable and internet providers to ask for a discount and can save hundreds of dollars over a year with just a few minutes of work. If you want to save money on some of - [Understanding Payactiv's Savings Tools and How to Use Them](https://payactiv.com/financial-learning/understanding-payactivs-savings-tools-and-how-to-use-them/) - If you are a Payactiv member, you can use Goal-Based Savings1 to create different "buckets" or set aside purses for your various savings goals. This feature, combined with SmartSave, helps you set a realistic timeline for reaching your savings goals without falling behind on your other bills. You can also automate your savings with the - [How To Get the Biggest Savings on Black Friday: A Guide for Hourly Workers](https://payactiv.com/financial-learning/how-to-get-the-biggest-savings-on-black-friday-a-guide-for-hourly-workers/) - As an hourly worker, saving ahead and planning your budget can help you make the most of Black Friday. You can avoid expensive impulse purchases by making a shopping list and sticking to it. Taking the time to research the best deals before Black Friday ensures you maximize your savings. Shopping early or late may - [3 Ways to Support Hard-Working Moms this Mother’s Day](https://payactiv.com/blog/3-ways-to-support-hard-working-moms-this-mothers-day/) - Every year on Mother’s Day, we pay tribute to the extraordinary women whose guidance and love shape our lives and futures. Motherhood often allows little time for rest, especially for working moms who bear the enormous stresses of managing self, work, and family. Employers, are you doing enough to support your working mothers and ensure - [Help Your Employees Avoid These Top 5 Financial Mistakes](https://payactiv.com/blog/help-your-employees-avoid-these-top-5-financial-mistakes/) - Everyone wants to make good financial decisions, but that’s often easier said than done. It’s not always about how much money you make, it’s also about how you manage it. Unfortunately, not many people are given the learning tools they need to help them make the most of their money. Today, however, there are more - [Year-End Financial Planning: Steps to Take Now](https://payactiv.com/financial-learning/year-end-financial-planning-steps-to-take-now/) - The first step in determining where you’re going financially is identifying where you’re coming from. You can do this by examining your current finances. The next step is to review your employee health benefits, as the change in the calendar year impacts many of them. Planning for tax season is a crucial step to take - [Financial Literacy: Essential Tips for Financial Well-Being](https://payactiv.com/financial-learning/financial-literacy-essential-tips-for-financial-well-being/) - The first step in establishing your financial well-being is understanding your spending habits so you can write a realistic budget. Another way to achieve financial stability is to save enough money for an emergency fund. You’ll also want to educate yourself about debt products, like credit cards and auto loans, so you can make a - [Good Cents Podcast Episode 41: Cyber Monday](https://payactiv.com/good-cents-podcast/good-cents-podcast-episode-41-cyber-monday/) - In this episode, Eric explores strategies to navigate Cyber Monday without overspending or derailing your financial goals. Cyber Monday, paired with Black Friday, creates a shopping frenzy, making it easy to blow through budgets. Here are the key takeaways: Avoid Unnecessary Purchases: You don't have to participate in Cyber Monday. Spending on items you wouldn’t - [Good Cents Podcast Episode 40: Financial Big Wins in Your Budget Where to Find the Biggest Savings](https://payactiv.com/good-cents-podcast/good-cents-podcast-episode-40-financial-big-wins-in-your-budget-where-to-find-the-biggest-savings/) - Big changes, big wins: We’re diving into simple tweaks that can make a huge difference in your budget, like cutting car payments or lowering rent. These are the game-changers that can save you thousands! Small moves, big savings: From canceling unused subscriptions to switching insurance plans, these little adjustments can free up a lot of - [Good Cents Podcast Episode 39: Navigating Financial Emergencies With Ease](https://payactiv.com/good-cents-podcast/good-cents-podcast-episode-39-navigating-financial-emergencies-with-ease/) - This podcast episode provides practical tips for building a $500 emergency fund in 90 days. Key points include: Breaking down the $500 goal into a more manageable $5.56 per day savings target Identifying areas to cut spending, such as subscription services, dining out, and impulse purchases Exploring ways to increase income through overtime, side hustles, - [Year-End Financial Checklist: Uncommon Tips for Hourly Workers](https://payactiv.com/financial-learning/year-end-financial-checklist-uncommon-tips-for-hourly-workers/) - Hourly workers face unique financial circumstances. While we’re familiar with the challenges of variable income and sometimes unpredictable schedules, it’s important to look beyond common financial advice and make moves to ensure you’re making the most of your money. Here’s a look at uncommon year-end financial actions you can take to improve your financial situation. - [Honoring Veterans Through Financial Empowerment](https://payactiv.com/blog/honoring-veterans-through-financial-empowerment/) - November 11th is the day set aside to thank and honor those who served the country in the military in both wartime and peacetime. Veterans Day also serves to raise awareness about the challenges veterans often face when transitioning from military careers to civilian life and the importance of providing them with support and opportunities - [Money-Saving Tips for Veterans: Stretch Your Dollars Further](https://payactiv.com/financial-learning/money-saving-tips-for-veterans-stretch-your-dollars-further/) - When it comes to housing, veterans can utilize government benefits that allow them to access loans or receive lower interest rates on their current mortgage. Veterans needing health care benefits can look into low-cost or no-cost medical services through VA medical programs. For veterans and their dependents looking to pursue higher education, the GI Bill - [Good Cents Podcast Episode 38: Audience Q&A](https://payactiv.com/good-cents-podcast/podcast-episode-49-audience-qanda/) - In today’s episode of The Good Cents by Payactiv Podcast, host Eric Rosenberg answers the top personal finance questions submitted by Payactiv users, Instagram followers, and email subscribers. From setting savings goals to deciding between paying off debt and saving, this episode offers practical advice for everyone, whether managing variable income, building an emergency fund, - [Common Unexpected Expenses You May Encounter](https://payactiv.com/financial-learning/common-unexpected-expenses-you-may-encounter/) - Car and home repairs are inevitable, but you never know exactly when they'll pop up. It's wise to have a separate savings fund for these expenses. An emergency fund will help you cover unexpected medical needs, as can programs like charity care under the ACA. Ask your doctor about these financial assistance programs regardless of - [Flexible Earned Wage Access](https://payactiv.com/blog/earned-wage-access-what-it-isand-what-it-isnt/) - As long as you have earned your wages, you can access them on-demand. Never Early. Never Advance. Never Loan. - [Economic Policies' Impact on Employee Finances](https://payactiv.com/blog/from-macro-to-micro-how-global-and-domestic-economic-policies-shape-employee-financial-health/) - Many employers underestimate the impact that global and national economic policies and indicators have on their workers’ financial well-being and futures. However, macro trends and issues like inflation, interest rates, and political tensions can significantly accelerate—or hinder—employees’ progress toward their financial goals. That’s because they impact everything from the price of goods and services to - [Enhancing Healthcare Workforce Resilience | Payactiv](https://payactiv.com/blog/building-a-resilient-healthcare-workforce-through-financial-wellness-programs/) - Financial wellness has become one of the most sought-after employee benefits among U.S . workers, and healthcare employees are no exception. As the cost-of-living crisis rages on and more burned-out healthcare workers exit the workforce, employers in this sector have an opportunity to support and retain their workers by offering financial wellness benefits that really - [12 Ways to Support Your Employees' Mental Health](https://payactiv.com/blog/12-ways-to-support-your-employees-mental-health/) - Mental health is an important part of overall health and well-being. According to the World Health Organization, mental health is "a state of well-being in which every individual realizes his or her own potential, can cope with the normal stresses of life, can work productively and fruitfully, and is able to make a contribution to - [Industry Insights: Healthcare](https://payactiv.com/industry-insights/optimizing-hiring-and-retention-strategies-for-healthcare-workers) - This page is set up to give you the latest information on what’s happening in the hiring market right now, as well as the trends healthcare businesses, are facing when it comes to hiring. We have compiled the latest stats, arming you with all the data you need to make informed decisions when looking at your hiring plan. - [Tips for Buying a Car: 15 Things to Know](https://payactiv.com/financial-learning/tips-for-buying-a-car/) - When you research the best car for your needs and fully understand your budget, you can confidently buy the right car for you. - [3 Reasons Why People Leave Their Jobs and How You Can Avoid Them](https://payactiv.com/blog/why-people-leave-their-jobs-3-causes-of-employee-turnover-and-how-you-can-avoid-it/) - The Great Resignation continues unabated; currently, one in five employees says they plan to switch jobs next year. Even companies that were once considered ideal job destinations are feeling the impact of this trend. A recent study shows the average tenure of a Google employee is only 1.3 years, making them one of the top - [Why HR Leaders are Rushing to Invest in the Financial Health of their Employees](https://payactiv.com/blog/why-hr-leaders-are-rushing-to-invest-in-the-financial-health-of-their-employees/) - Financial worries can be completely overwhelming. 59% of employees confirm that finances cause most of their stress and if employees feel burdened by stress, it becomes an HR problem. If employees are worrying about their next paycheck or how they’ll pay their rent arrears, they can’t focus properly at work and the organization suffers. The - ["We Can Aspire To More"](https://payactiv.com/blog/we-can-aspire-to-more/) - Monetary wealth is no longer the single way to measure a company’s success, there are more. Here's how PayAcitv can help in that. - [Sabina Bhatia on “Payactiv and the Impact of Earned Wage Access”](https://payactiv.com/blog/sabina-bhatia-on-payactiv-and-the-impact-of-earned-wage-access/) - Sabina Bhatia, Payactiv's Chief Customer Officer, joins HCM Technology Report's PeopleTech podcast to discuss the impact of Earned Wage Access. Listen to the full interview here or read below. Mark Feffer: Welcome to PeopleTech, the podcast of the HCM Technology Report. I'm Mark Feffer. Mark Feffer: Joining us today is Sabina Bhatia, the chief customer officer - [3 Tips to Spice Up Recruitment and Retention](https://payactiv.com/blog/recruitment-retention-for-restaurants-2021/) - How Hospitality Can Overcome Staffing Shortages During the Post-Pandemic Recovery The leisure and hospitality industry accounted for 39% of all jobs lost during the pandemic. Employment in the leisure and hospitality industry is down by 2.8 million, or 16.8%, since February 2020. The national fill rate was 83% in December 2020 — only 83 hires - [How Earned Wage Access Can Help Airline Hiring Soar](https://payactiv.com/blog/how-earned-wage-access-help-airline-hiring-soar/) - With COVID-19 vaccinations on the rise, a familiar, more optimistic bug is catching—the travel bug. This is great news for travelers, but are airlines ready for the upcoming surge? Earned Wage Access (EWA) can offer a helping hand in turbulent skies. EWA is soaring in popularity across the country as a solution to attract talented - [Financial Security: A Real-Life "Survivor" Game](https://payactiv.com/blog/financial-security-in-real-life/) - Payactiv provides companies with a means to put their employees on a path to financial stability and, ultimately, security. - [Simple Saving Tips for Thanksgiving and Black Friday](https://payactiv.com/financial-learning/simple-saving-tips-for-thanksgiving-and-black-friday) - It’s funny how Thanksgiving is supposed to be a time for gratitude for the things we already have, while also being the kick-off to the biggest spending season of the year. From feeding guests to Black Friday shopping, this upcoming Thanksgiving season may have you worried you wouldn’t have enough cash to purchase everything you - [Fastest Growing Industries Looking for Workers](https://payactiv.com/financial-learning/fastest-growing-industries-looking-for-workers) - Growing Industries Looking for Workers If you work in oil and gas, looking for green energy jobs might be a good idea since the field is growing. People who work directly with patients in medical fields, including disability or elder care positions, can expect some job security in the current environment. Data scientists are highly - [Industry Insights: Manufacturing](https://payactiv.com/industry-insights/manufacturing/) - Welcome to our resource page for Manufacturing Hiring! We built this page with you in mind – use it as a learning tool, reference page, and more! This page is set up to give you the latest information on what’s happening in the hiring market right now, as well as the trends manufacturing businesses, are - [Tackling Logistics Labor Shortages: Why Employee Benefits Are Key](https://payactiv.com/blog/tackling-logistics-labor-shortages-why-employee-benefits-are-key/) - Most of us who are not in the logistics industry don’t really think about how all the stuff that we buy gets delivered to the store shelves or to our doors. For the most part, we take it for granted that the logistics industry has all this figured out and somehow makes it all happen. - [What You Can Learn About Budgeting From a Lemonade Stand](https://payactiv.com/financial-learning/what-you-can-learn-about-budgeting-from-a-lemonade-stand/) - A lemonade stand can teach your child about income and expenses. Lemonade stands can also help your kids learn valuable skills for their future careers, like doing market research on salary offers. Once your child earns a profit, they can start building good habits by conscientiously spending, saving, or donating their money. Do you want - [What to Look for on Your First Paycheck and Pay Stub](https://payactiv.com/financial-learning/what-to-look-for-on-your-first-paycheck-and-pay-stub/) - Whether you are an hourly or salaried employee, your gross pay will differ from your take-home pay. You'll need to account for FICA (Federal Insurance Contributions Act) tax, federal income tax, and potentially state and/or local income tax withholdings. Some employees may even see deductions for health insurance premiums or retirement account contributions. Learning to - [Using Automatic Savings to Create an Emergency Fund](https://payactiv.com/financial-learning/using-automatic-savings-to-create-an-emergency-fund/) - If you’re struggling to put money into an emergency fund, automating your savings can simplify the process. You can set up automatic savings by establishing a recurring transfer through your bank or by having HR split your paycheck deposits between your checking and savings accounts. Once you've created your emergency fund, you can use tools - [Top Tips for Back-To-School Shopping on a Budget](https://payactiv.com/financial-learning/top-tips-for-back-to-school-shopping-on-a-budget/) - Shopping online can save you money on basic school supplies. Investing in high-quality items that your child will use for years to come can help you avoid making the same purchase each time they enter a new grade. Whether it’s directly through the school or by shopping at second-hand stores, there are ways to save - [What is a Dividend Aristocrat & How to Use Them to Invest as Beginners](https://payactiv.com/financial-learning/the-simple-way-to-invest-using-dividend-aristocrats/) - Investing doesn't have to be complicated or require large sums of money. You can try a simple and effective strategy that involves investing a small amount in dividend aristocrat stocks each payday. What are Dividend Aristocrat Stocks? Dividend aristocrats are companies with a history of consistently increasing their dividend payouts for at least 25 consecutive - [The Economy is Looking Strong: How to Take Advantage and Level-Up Your Finances](https://payactiv.com/financial-learning/the-economys-great-how-to-take-advantage-and-level-up-your-finances/) - Inflation is dramatically better than it was two years ago, but that doesn’t mean it’s gone. Even though you’re likely still battling lingering inflation, the economy has performed well over the past two years. There are things you can do to take advantage of the great economy, like securing higher pay and ensuring you’re getting - [Start Saving for the Holidays Now for Stress-Free Festive Spending](https://payactiv.com/financial-learning/start-saving-for-the-holidays-now-for-stress-free-festive-spending/) - Before you start saving for the holidays, you need to set a holiday budget. Make a list of everyone you want to shop for and how much you’ll spend on each person. Once you figure out your total budget, use tools like Payactiv’s Goal-Based Savings and SmartSave to determine how much money you can set - [Seasonal Hiring: Is It a Good Time to Switch Jobs?](https://payactiv.com/financial-learning/seasonal-hiring-is-it-a-good-time-to-switch-jobs/) - Ensure you understand whether a job is seasonal or permanent so you don’t end up banking on a paycheck that disappears after the holidays. Seasonal work can be a way to get your foot in the door for a potential full-time position. It’s also an excellent strategy for teens to start building their resumes. Even - [Saving Money on Summer Blockbusters](https://payactiv.com/financial-learning/saving-money-on-summer-blockbusters/) - Smart Ways to Save on Summer Movies This Season One of the cheapest ways to watch a summer blockbuster is to stream it a few weeks after it hits theaters. Another savings strategy for catching the hottest summer films is to view a double feature at a drive-in. If you want the theater-viewing experience, you - [Keys to Success: Navigating Your Homeownership Journey](https://payactiv.com/financial-learning/keys-to-success-navigating-your-homeownership-journey/) - Not all mortgages mandate a 20% down payment. Be sure to research eligibility requirements for FHA loans, VA loans, USDA loans, and even conventional lenders to see if you could qualify with less. You will need to save additional money for closing costs and future maintenance on your new home. Down payment and closing cost - [Four Government Websites to Help Improve Your Finances](https://payactiv.com/financial-learning/four-government-websites-to-help-improve-your-finances/) - Summary If you’re in a tight spot financially and need assistance, USA.gov can educate you about how to get help. Don’t forget that Payactiv members have access to free KOFE financial counseling. Here are five government websites to improve your financial literacy worth bookmarking. If you’re the victim of a scam or bad business practice, FTC’s - [Building an Emergency Fund: Why and How You Should Start Today](https://payactiv.com/financial-learning/building-an-emergency-fund-why-and-how-you-should-start-today/) - An emergency fund can help pay for unexpected expenses, like medical bills or job loss. Ideally, your emergency fund will cover at least three to six months’ worth of expenses. You can start with a smaller goal of $1,000 if money is tight. Automation is one of the best ways to start building your emergency - [Balancing Cost and Cool When Buying a Car](https://payactiv.com/financial-learning/balancing-cost-and-cool-when-buying-a-car/) - Buying a car is a great savings goal. Get started today with Payctiv’s Goal-Based Saving1. If you’re shopping for a car now, focus on buying one you can afford. You can lower the price by buying used, shopping at the right time, and negotiating. A good credit score can help you get the most affordable - [Affordable Housing in 2024: Navigating the 30% Rule in a Challenging Market](https://payactiv.com/financial-learning/affordable-housing-in-2024-navigating-the-30-rule-in-a-challenging-market/) - The general rule is to spend no more than 30% of your income on housing. In 2024, finding housing that is less than 30% of your income can be tricky. When you’re struggling to find a place you can afford, you can try negotiating your rent, expanding your search area, or getting roommates to lower - [3 Ways to Find Your Next (Awesome) Job](https://payactiv.com/financial-learning/3-ways-to-find-your-next-awesome-job/) - Networking is one of the most effective ways to find a job you love. Sometimes, who you know is just as important as what you know. Attending job fairs can help connect you with employers who are eager to hire new employees. Tailoring your resume for job listings on sites like Monster or Indeed can - [What is a Cost-of-Living Raise?](https://payactiv.com/blog/what-is-a-cost-of-living-raise/) - Today’s American workers are struggling with the unprecedented high cost of living that even reasonable salary increases can’t offset. If you’re an employer, it’s likely that a large percentage of your workforce is battling record-high grocery bills, inflated credit card and student loan interest rates, and unsustainable rent increases. For their part, companies are trying - [Restoring Dignity: Helping Employees with Everyday Expenses](https://payactiv.com/blog/restoring-dignity-helping-employees-with-everyday-expenses/) - Ask people what “dignity” means, and you’ll likely get a broad spectrum of answers. Dignity is a complex concept. At its most basic level, it refers to the right to be valued and respected for one's own sake. It can also be defined as a basic worth or status that all people are entitled to - [Key Employer Strategies for a Successful Open Enrollment Season](https://payactiv.com/blog/key-employer-strategies-for-a-successful-open-enrolment-season/) - As the fall approaches, so too does the annual open enrollment season for employee benefits—the period during which employees have the opportunity to review and adjust their benefits plans for the upcoming year. These plans typically include health insurance, retirement funds, paid time off (PTO), and other perks like flexible savings accounts (FSAs). In this - [How to Launch a Financial Wellness Program in 7 Steps](https://payactiv.com/blog/how-to-launch-a-financial-wellness-program-in-7-steps/) - A significant part of the U.S. workforce is facing a financial crisis, largely due to the steady increase in the cost of living. Prices have soared in nearly every aspect of life—from housing and groceries to transportation and daycare. Inflation has risen to a 40-year high, and a recent analysis of government data found that - [How to Combat Financial Stress and Boost Work Productivity](https://payactiv.com/blog/how-to-combat-financial-stress-and-boost-work-productivity/) - Money worries are a significant contributor to employees’ lack of well-being and can have a devastating impact on workplace productivity. Right now, 1 in 3 employees say their financial stress is impacting their ability to focus on their jobs, and nearly 25% say this stress reduces their productivity and confidence. By implementing comprehensive financial well-being - [From Fleeting to Forever: Combating Quick Service Restaurant Turnover Rate](https://payactiv.com/blog/from-fleeting-to-forever-combating-quick-service-restaurant-turnover-rate/) - Great staff is a critical element of success for every quick-service restaurant (QSR). However, the industry is renowned for its extremely high turnover rate. As of May 2024, the average employee turnover rate in the restaurant industry was 5.5%, compared to 3.4% across all sectors, according to the US Bureau of Labor Statistics. In this - [Early Signs of Flight Risk Employees and How To Handle Them](https://payactiv.com/blog/early-signs-of-flight-risk-employees-and-how-to-handle-them/) - There’s no worse feeling for managers than being blindsided by a worker’s resignation. Dissatisfied employees can be difficult to spot, but some may send out warning signs. With businesses across all industries struggling to hire talent, it’s vital to recognize the telltale signs of a flight-risk employee, and have a sound strategy to keep them - [Build a Strong Workforce with these 8 Strategies for Employee Acquisition](https://payactiv.com/blog/build-a-strong-workforce-with-these-8-strategies-for-employee-acquisition/) - With the talent market more competitive than ever and workplace dynamics continually changing, the hurdles businesses face to hire great candidates have never been higher. In a recent survey, almost 6 in 10 employers said a shortage of qualified candidates was one of their top recruiting problems, and 46% said they lacked candidates in general. - [How to Create a Realistic Budget That Works for You](https://payactiv.com/financial-learning/how-to-create-a-realistic-budget-that-works-for-you/) - How to Build a Realistic Budget That Works for You Living paycheck to paycheck is a reality for many people. When every dollar counts, creating and sticking to a budget becomes crucial. However, budgeting can feel overwhelming, especially when your income fluctuates or unexpected expenses pop up. Here’s how you can create a realistic budget - [How To Use Payactiv To Maximize Your Economic Achievements This Labor Day](https://payactiv.com/financial-learning/how-to-use-payactiv-to-maximize-your-economic-achievements-this-labor-day/) - Payactiv can help you access your paycheck faster and receive government payments, like your tax refund, up to four days earlier. Some features in Payactiv have to be activated, like Tips and Mileage Reimbursement. Once this is activated, you’ll be able to get your money on your Payactiv Visa® Card* at the end of every - [Swing into Spring with Supportive Workplace Financial Wellness Benefits](https://payactiv.com/blog/swing-into-spring-with-supportive-workplace-financial-wellness-benefits/) - The ancient Greek philosopher Heraclitus said, “The only thing constant is change.” The arrival of the Spring season, with its warmer weather, budding flowers, growing trees, and pollen everywhere, reminds us how fluid our environment is. Change is (literally) in the air, our lives, and our workplaces. Yet, over the last few years, one aspect - [7 Strategies That Could Make You The Top Choice For Seasonal Staff](https://payactiv.com/blog/seven-strategies-that-could-make-you-the-top-choice-for-seasonal-staff/) - With summer just around the corner, employers in industries like leisure, hospitality, retail, and Quick Service Restaurants (QSRs) are competing to secure top temporary workers to meet the surge in demand for their products, services, and vacation experiences. A shrinking labor pool can make securing quality seasonal talent more challenging, especially during peak seasons. To - [10 Tips for Building Financial Security](https://payactiv.com/blog/building-financial-security/) - Here are our top tips to start moving in the right direction: 1. Live on Less Than You Earn One of the key steps on the path to financial stability and financial security is living below your means. This simply means you must always spend less than you earn. The best way to live below - [Maximizing Your Benefits: A Complete Open Enrollment Guide for Hourly Workers](https://payactiv.com/financial-learning/maximizing-your-benefits-a-complete-open-enrollment-guide-for-hourly-workers/) - Open enrollment season is here, and it's your chance to make crucial decisions about your benefits package. As an hourly worker, understanding and choosing the right benefits can significantly impact your financial health and overall well-being. This guide will walk you through the process, helping you make informed choices that best suit your needs and - [5 Steps to Ensure Your Open Enrollment Season Benefits Your Employees](https://payactiv.com/blog/5-steps-to-ensure-your-open-enrollment-season-benefits-your-employees/) - Can you believe open enrollment season 2025 is just around the corner? Yes, it’s that time of year again, when your employees get the chance to evaluate their current benefits, compare plan options, and select the best benefits for them and their families. These benefits may include medical, dental, and vision insurance, flexible spending accounts - [Payactiv Wins ‘Tech of the Future’ Award](https://payactiv.com/press/payactiv-wins-tech-of-the-future-award/) - PayTech honors Payactiv’s financial wellness solution for championing financial economic mobility and enhancing financial security for millions Milpitas, CA. – October 17, 2024 – Payactiv, Inc., the pioneer and leading provider of Earned Wage Access (EWA) and employer-sponsored holistic financial wellness benefits, has won the Tech of the Future – Economic Mobility & Financial Wellness - [Good Cents Podcast Episode 37: Preparing Early for the Holidays](https://payactiv.com/good-cents-podcast/good-cents-podcast-episode-37-preparing-early-for-the-holidays/) - In today’s episode, we explore practical strategies for preparing financially for the holiday season. We discuss how to review past spending, set realistic budgets, and save money without sacrificing the joy of the season. We are also excited to share insights from our special guest, Cameron Huddleston, a 20-year veteran journalist in the personal finance - [Spring Cleaning Your Employee Benefit Options](https://payactiv.com/blog/spring-cleaning-your-employee-benefit-options/) - Spring symbolizes a fresh start, an opportunity for employees to foster their personal and professional growth and well-being by pursuing new interests, learning new skills, or improving their physical, mental, and financial health. It’s also the perfect opportunity for companies to refresh employee benefits programs and revitalize their workforce. Here are a few ways you - [Why Wellness Programs Are the X-Factor in Your Employee Benefit Options](https://payactiv.com/blog/why-wellness-programs-are-the-x-factor-in-your-employee-benefit-options/) - As they move into 2024, American workers are shouldering a variety of stressors—from physical and mental health issues to financial insecurity. More and more employees are looking to their employers for more support. Currently, there’s a 22 percentage-point gap between employers’ perceptions of employee satisfaction and how their employees truly feel. So, what’s the issue? - [Is Your Employee Benefits Package Working for You?](https://payactiv.com/blog/is-your-employee-benefits-package-working-for-you/) - Recruiting and retaining great people is a challenge that companies across the globe and in all industries are grappling with. In the US, skills shortages have more than tripled in the last ten years, with 69% of employers currently struggling to fill positions, up from just 14% in 2010. By 2030, it's estimated that the - [The Effects of Financial Wellness on Corporate Culture](https://payactiv.com/blog/the-effects-of-financial-wellness-on-corporate-culture/) - Culture drives success. Organizations with a positive company culture have employees who are engaged, productive, and less likely to accept a position elsewhere. However, employee financial stress can gradually erode even the strongest company cultures. The business (and moral) case for supporting employees with their financial well-being has never been greater. By creating a workplace - [Employee Engagement in the Fitness Industry: Reaching Top Form](https://payactiv.com/blog/employee-engagement-in-the-fitness-industry/) - Before the pandemic hit, the global fitness and health club industry was booming, growing to $96.7 billion in 2019. But the market size dropped sharply in 2020, and it’s estimated that the pandemic inflicted around 20 billion dollars worth of losses to the US fitness industry’s revenue in that year alone. Almost 17% of US - [Types of Overdraft Fees and How You Can Avoid Them](https://payactiv.com/financial-learning/types-of-overdraft-fees-and-how-you-can-avoid-them/) - Since their invention in the 1990s, overdraft fees have been a source of income for banks and a source of contention with Americans living paycheck to paycheck. If you’ve ever gotten hit with an overdraft, you know that they are an annoying roadblock to getting ahead. What is an Overdraft Fee? Overdraft fees are bank - [Types of Overdraft Fees and How You Can Avoid Them](https://payactiv.com/financial-learning/say-goodbye-to-overdraft-fees/) - Since their invention in the 1990s, overdraft fees have been a source of income for banks and a source of contention with Americans living paycheck to paycheck. If you’ve ever gotten hit with an overdraft, you know that they are an annoying roadblock to getting ahead. What is an Overdraft Fee? Overdraft fees are bank - [A Step-By-Step Guide to Financial Independence With Payactiv](https://payactiv.com/financial-learning/a-step-by-step-guide-to-financial-independence-with-payactiv/) - Payactiv's Earned Wage Access1 can help you get your earned wages when you need them while avoiding late fees or overdraft charges, helping you achieve financial independence. To build an emergency fund, consider having your direct deposit from work go to your Payactiv Visa® Card*. Don’t forget to take advantage of Payactiv’s free access to - [The Best Ways to Energize Your Employees This Fall](https://payactiv.com/blog/the-best-ways-to-energize-your-employees-this-fall/) - As summer comes to a close, back-to-school season is quickly followed by the upcoming holiday season. With so much to do, it’s no surprise that employee productivity and engagement often wane, especially when workers feel their jobs are keeping them from enjoying time between school, and time with family and friends. Businesses face a unique - [Podcast: The Next Generation of FinTech](https://payactiv.com/blog/podcast-the-next-generation-of-fintech/) - Hear what Gen Z and Millennials are looking for when choosing a place to work and how they play a role in the future of FinTech. - [We Heard You - A tribute to humanity of all workers](https://payactiv.com/blog/we-heard-you-a-tribute-to-humanity-of-all-workers/) - We Heard You - A tribute to humanity of all workers By Payactiv Insights | May 3, 2021 Nominated for Webby Award Help Robby’s voice be heard by casting a vote by May 6. We are thrilled to share that our 2020 project, “We Heard You – A tribute to the humanity of all workers,” - [Bridging the Gap to Financial Wellness](https://payactiv.com/blog/bridging-the-gap-to-financial-wellness/) - CEO Safwan Shah providing a wide-ranging exploration into the meaning of employee financial wellness. - [The Right Way to Recruit Retail Workers](https://payactiv.com/blog/the-right-way-to-recruit-and-retain-retail-workers/) - Payactiv is proven to improve loyalty and lower turnover. That’s why major retailers like Walmart use Payactiv to save millions on hiring and training. - [Company Resolutions to Improve Your Business](https://payactiv.com/blog/resolutions-for-2021-that-will-improve-your-company/) - From employee loyalty to improved operations, consider these business resolutions for 2021 that could improve your company and its bottom line. - [Improve Company Communications](https://payactiv.com/blog/how-to-gain-a-competitive-advantage-by-improving-company-communications/) - Most organizations dedicate significant time and money to their external communications and marketing but neglect the importance of communications with their teams. The State of the Sector on Internal Communication found that just 43% of North American internal communicators are tasked solely with internal communication, which shows that many businesses don't prioritize this crucial element - [How Employers Can Aid Employee Financial Wellness](https://payactiv.com/blog/how-employers-can-aid-employee-financial-wellness/) - Happy employees mean a more efficient business, and aiding employees with their financial wellness is one of the best ways to achieve it. Read to learn more. - [Top 4 Hurdles Facing Employers This Open Enrollment Season](https://payactiv.com/blog/top-4-hurdles-facing-employers-this-open-enrollment-season/) - Inevitably, this year, the complexities facing businesses and HR teams during open enrollment season will be heightened due to tighter budgets, the rising costs of benefits, increasingly stringent compliance regulations, and the need to craft a benefits strategy that positions the organization as an employer of choice in a competitive job market. In this blog, - [How Employee Financial Wellness Benefits Your Bottom Line](https://payactiv.com/blog/how-employee-financial-wellness-benefits-your-bottom-line/) - When it comes to financial wellness, there’s a concerning gap between intent and execution in corporate America. At the same time, 98% of HR leaders believe financial education and counseling are essential, and only 26% of businesses currently have a program/initiative to improve employee financial wellness. Helping your employees achieve financial wellness isn’t just the - [How to Recruit and Retain Talented Employees in The Healthcare Industry](https://payactiv.com/blog/how-to-recruit-and-retain-top-talent-in-the-healthcare-industry/) - With such a demand for healthcare because of the COVID-19 pandemic, it’s little surprise that many healthcare employers struggle to recruit and retain top talent. - [National Equal Pay Day - Celebrating Workplace Flexibility](https://payactiv.com/blog/national-equal-pay-day-celebrating-workplace-flexibility/) - Have you ever had a job where you found out weeks, months, or even years after starting that you were being paid less than your coworkers? Did it hurt to learn that, despite doing the same job, you were taking home thousands of dollars less per year? That’s what one-half of the American population has - [Happy Financial Literacy Month](https://payactiv.com/blog/happy-financial-literacy-month/) - For many Americans, much of what we know about money stems from pieces of advice that start with the word, “don’t”. “Don’t buy a brand new car.” “Don’t spend money on things you don’t need.” “Don’t trust the banks.” …etc, etc, etc. Friends and family who had bad experiences warned us and we listened closely. - [Guide to Managing Tips as an Employer](https://payactiv.com/blog/guide-to-managing-tips-as-an-employer/) - As an employer, you have to decide how to split tips between your employees and make sure it's all recorded. This guide can help you with managing tips. - [4 Recruitment Strategies for Competing with the Gig Economy](https://payactiv.com/blog/4-recruitment-strategies-for-competing-with-the-gig-economy/) - Around 57 million workers are currently involved in the US gig economy, and workers in this sector span generations, as well as racial and ethnic groups. The gig workforce has transformed the way people view the world of work, and with Gen Z making up a considerable percentage of all gig workers, it’s becoming the - [Boost Employee Satisfaction w/ Financial Wellness](https://payactiv.com/blog/beyond-ewa-3-financial-wellness-benefits-to-boost-employee-satisfaction/) - Financial stress is pervasive among employees, with 97% reporting stress and 80% concerned about inflation. Earned Wage Access (EWA) is an in-demand financial wellness benefit that gives employees access to pay accrued but has yet to be received. Complement your EWA employee benefit with additional financial wellness benefits such as budgeting tools, financial counseling, and - [Payactiv Wins Stevie Award for Financial Technology Excellence](https://payactiv.com/press/payactiv-wins-stevie-award-for-financial-technology-excellence/) - San Jose, CA – August 27, 2024 – Payactiv, Inc., the pioneer and leading provider of Earned Wage Access (EWA) and employer-sponsored holistic financial wellness benefits, has won the Silver Stevie® Award in the “Technology Excellence – Financial Technology” category. This prestigious recognition underscores the unwavering commitment to innovation by Payactiv and its dedication to - [The Top 12 Questions to Ask When Considering an EWA Provide](https://payactiv.com/blog/top-12-questions-when-considering-ewa-provider/) - Financial stress is at the root of accidents, absenteeism, presenteeism, doctor’s visits, and more. Research from the Harvard Kennedy School of Government concludes that when employees have a low-cost fintech solution to help with short-term small-dollar financial shocks, it materially improves their financial resiliency and health. Due to the popularity of the Earned Wage Access concept, - [What is Financial Literacy? How to Help Employees Manage Their Money in 2024](https://payactiv.com/blog/financial-literacy-the-missing-piece-in-your-employee-benefits-puzzle/) - April is Financial Literacy Month, a great time for employers to focus on the importance of financial education for creating a more financially secure future for their workers. This April, we encourage you to consider ways to promote financial literacy in your business, helping your workers develop healthy money habits that will benefit them in - [What Does Wages Earned Mean?](https://payactiv.com/blog/what-does-wages-earned-mean/) - Everyone needs money to live, put food on the table, pay their bills, and, of course, have a bit of fun! But when it comes to the terms “wages,” “wages earned,” “pay,” income,” and “salary,” there are some important differences and nuances. Let’s start with the people who are earning an income – employees. The - [5 Flexible Employee Benefits to Offer Year-Round](https://payactiv.com/blog/5-flexible-employee-benefits-to-offer-year-round/) - Open enrollment is an important time of year for companies to showcase additional employee benefits beyond regular pay. However, consistently communicating benefits throughout the year is vital for employee satisfaction and retention. Providing seasonal benefits like on-demand pay, flexible shift scheduling, holiday celebrations, event tickets, childcare stipends, birthdays off, and year-round financial wellness support can - [7 Seasonal Hiring Strategies Guaranteed to Attract Employees](https://payactiv.com/blog/7-seasonal-hiring-strategies/) - Retailers, warehousing, logistics, and hospitality industries are well aware of the preparation needed to support these high seasonal demands. Now is a hard time to hire as the great reassessment and the gig economy thrive onwards. Here are some effective strategies to attract top seasonal talent and stand out in the hypercompetitive hiring process. Build - [Global Debt Crisis: Impact on Your Financial Wellness | Payactiv](https://payactiv.com/financial-learning/the-global-debt-crisis-and-its-impact-on-individual-financial-wellness/) - According to a new report by the UN Global Crisis Response Group, a total of 52 countries are in “serious debt trouble,” and almost half of the world population currently lives in countries that spend more servicing interest on debt than health or education. Globally, household debt levels have also reached historical highs. Spotlight On: - [A Lesson in Earned Wage Access: Picking up Pinecones](https://payactiv.com/blog/lesson-in-earned-wage-access/) - My grandfather was smart, hard-working, and generous. He poured his sweat, blood, and tears into his work as a mechanical contracting company’s purchasing agent. When I was a child, he taught me the importance of hard work and how it felt to receive my wages in a timely fashion. That, in turn, helped develop my - [Traveling For the Holidays? Follow These Tips to Save](https://payactiv.com/financial-learning/traveling-for-the-holidays-follow-these-tips-to-save/) - Planning on reuniting with your extended family this holiday? Or maybe you're counting the days until the vacation you've arranged to escape awkward family get-togethers. Like Kevin McCallister in the famous holiday film "Home Alone," the commotion of travel makes it easy to let your budget fall by the wayside. Traveling and other holiday expenses - [Good Cents Podcast Episode 36: What To Do With Your Paycheck on Payday](https://payactiv.com/good-cents-podcast/good-cents-podcast-episode-36-what-to-do-with-your-paycheck-on-payday/) - In today’s episode, we're tackling a fundamental financial topic: what to do with your paycheck every payday. Whether you're just starting your career, in the midst of your financial journey, or nearing retirement, understanding where every dollar comes from and how to manage it is crucial for long-term financial wellness. In this episode, we’ll cover: - [Fresh Employee Benefits: The Key To Winning The Restaurant Staffing War](https://payactiv.com/resources/the-key-to-winning-the-restaurant-staffing-war) - Nearly 3 in 4 restaurant operators say business conditions have returned close to normal. And yet, high staff turnover and unfilled roles remain a persistent challenge for the restaurant industry. In 2023, some 62% of operators reported being understaffed. The industry workforce is projected to grow by 200,000 jobs in 2024. Today, 45% of operators - [Building Financial Resilience in 2024: A Step-By-Step Guide](https://payactiv.com/financial-learning/building-financial-resilience-in-2024-a-step-by-step-guide/) - Emergency funds, paying off debt, buying insurance, and investing are all great ways to build financial resilience. Pursuing further education to improve your career and financial literacy skills also improves your resiliency. Remember to take care of yourself along the way. Your physical and mental health can significantly impact your financial stability. Building financial resilience - [Maximizing Your Tax Refund with Payactiv: 2024 Tips](https://payactiv.com/financial-learning/tax-season-2024-tips-to-make-the-most-of-your-refund-with-payactiv/) - Deciding how to use your tax refund money is a big deal. Get free, professional guidance with KOFE financial counselors through Payactiv. Payactiv members can get up to $15 off TurboTax software. When you elect to have your tax refund deposited to your Payactiv Visa® card*, you may receive your money up to four days - [How To Use AI and ChatGPT To Improve Your Financial Well-Being](https://payactiv.com/financial-learning/how-to-use-ai-and-chat-gpt-to-improve-your-financial-well-being/) - AI tools like ChatGPT can be good for brainstorming solutions to your financial problems or for doing basic things like creating a budget based on your past bank statements. Sometimes, AI provides incomplete or inaccurate information, making resources like free KOFE financial counselors through Payactiv a better resource for personalized financial advice. The more detailed - [Cultivating Wealth Mindset for Financial Goals](https://payactiv.com/financial-learning/how-to-improve-your-wealth-mentality-reach-your-financial-goals/) - A wealth mentality helps you see opportunities and focus on reaching your goals with the resources you have. Building a wealth mentality involves studying financial literacy, analyzing your beliefs around money, setting big goals, and allowing yourself to pivot rather than collapse when something unexpected happens with your cash flow. A wealth mindset can help - [A Comprehensive Guide to Financial Planning for Kids](https://payactiv.com/financial-learning/a-comprehensive-guide-to-financial-planning-for-kids/) - Before making any big moves on behalf of your children, ensure you’re saving for your financial future. If your financial needs are met, saving small amounts of money for your child’s future is prudent. This can add up over time, and using a tool like Payactiv’s Goal-Based Saving1 feature can help. You can also consider - [7 Tax Credits and Deductions for Hourly Workers to Save on Taxes](https://payactiv.com/financial-learning/7-tax-credits-and-deductions-for-hourly-workers-to-save-on-taxes/) - As an hourly worker, tax credits and deductions can save you money on your tax return or help you get a refund. The availability of tax credits and deductions increases if you have children, save for retirement, or pay out-of-pocket for college tuition. In addition to federal tax credits and deductions, you may also be - [Show Love This Valentine’s Day with a Workplace Morale Booster](https://payactiv.com/blog/show-love-this-valentines-day-with-a-workplace-morale-booster/) - We all have our good and bad days, but no company can afford to ignore low employee morale for long. Low morale leads to high employee turnover, low productivity, and elevated absenteeism rates. Gallup found that actively disengaged employees cost U.S. businesses $450 billion to $550 billion per year in lost productivity. Valentine’s Day is - [Winning Recruitment Strategies for 2024](https://payactiv.com/blog/how-to-gain-a-competitive-edge-with-your-recruitment-strategies-in-2024/) - Never in our history has the labor market had so many open jobs, and employers have never experienced such a hard time filling them. Some workers have left the workforce and still haven’t returned. Some never will. Those who are returning are much choosier about the kind of work they’re willing to do, how they - [Year-Round Financial Wellness for Your Employees](https://payactiv.com/blog/how-to-create-a-culture-of-financial-wellness-for-employees-that-lasts-all-year/) - After a year filled with economic turmoil, followed by the holidays—a season when people tend to overspend—it’s likely that many of your employees are starting 2024 under a fair amount of financial stress. A new year is a golden opportunity to help your workers reassess their financial well-being and take proactive steps towards a brighter - [How Payactiv Can Boost Satisfaction and Retention for Employees](https://payactiv.com/blog/how-payactiv-can-boost-satisfaction-and-retention-for-employees/) - If you could wave a magic wand, what would you wish for in 2024? You’d likely hope for an increase in yearly sales and profits. You’d probably also ask that your employees stay satisfied, healthy, dedicated to their work, and keen to remain with your organization. A comprehensive, flexible financial wellness program can help you - [Empower Your Workforce: National Employee Benefits Day](https://payactiv.com/blog/empower-your-workforce-a-tribute-to-national-employee-benefits-day-with-payactiv/) - This year, National Employee Benefits Day will be celebrated on April 6th. This day is dedicated to recognizing employers that go above and beyond to provide meaningful benefits to their valued workers. It also offers employee benefits professionals an opportunity to take stock of their benefits programs and ensure they’re aligned with what employees really - [National Caregivers Day: Financial Wellness Strategies](https://payactiv.com/blog/celebrate-national-caregivers-day-strategies-for-employee-financial-wellness-and-reducing-stress/) - February 16th is National Caregivers Day which is an opportunity to celebrate people who dedicate their professional lives to caring for others. Caregivers provide life-changing and often life-saving services for older citizens and people living with disabilities. The job requires dedication, patience, and compassion, and caregivers’ days are often long and demanding. Here are some - [Future-Proofing Financial Wellness for Work Trends](https://payactiv.com/blog/adapting-to-employment-trends-for-financial-wellness-in-the-future-of-work/) - 1.74 trillion dollars. That’s the estimated revenue the US could miss out on because of labor shortages from unfilled roles and skills gaps. To put this into perspective, the current GDP of the US is about $26.5 trillion. This means that labor shortages may represent over 6% of the economy. If we look at the - [Impact of Pay Frequency on Financial Wellness](https://payactiv.com/blog/money-matters-how-pay-frequency-affects-workplace-financial-wellness/) - Many of us go through life trying to find the right balance between managing our day-to-day finances and longer-term financial planning. Forward-looking employers are stepping up to help. They’re prioritizing financial wellness benefits that inform, educate, and support employees at every stage of their life journey. Some are taking their quest to promote financial wellness - [Healthy Valentine’s Day Finances: 5 Tips](https://payactiv.com/financial-learning/fall-in-love-with-your-finances-5-tips-for-a-financially-healthy-valentines-day/) - If you’re thinking about going beyond your budget this Valentine’s Day, consider giving your sweetheart the gift of financial stability instead. A solid financial foundation can be extremely romantic since it involves dreaming about your future together. What could be more intimate than that? If you plan together and work well collaboratively, you and your - [Good Cents Podcast Episode 35: Simple Tips to Build Financial Freedom & Afford Anything](https://payactiv.com/good-cents-podcast/good-cents-podcast-episode-35-simple-tips-to-build-financial-freedom-afford-anything/) - In today's episode, we explore simple yet effective habits to enhance your financial wellness. We'll discuss practical strategies for building an emergency fund, boosting your savings rate, and managing your budget without the stress of meticulous tracking. We are also excited to share insights from our special guest, Paula Pant, the founder of Afford Anything, - [Good Cents Podcast Episode 34: Navigating Finances in the Military: Strategies for Service Members and Families](https://payactiv.com/good-cents-podcast/good-cents-podcast-episode-34-navigating-finances-in-the-military-strategies-for-service-members-and-families/) - This episode is dedicated to the brave men and women who serve our country and dives into the unique financial considerations for military households. We explore topics ranging from housing to specialized financial services and offer insights into how military families navigate their financial landscape. Whether you are part of the military community or looking - [Launching New Wage Access Solution with US Bank](https://payactiv.com/blog/payactiv-us-bank-unveil-new-earned-wage-access-solution-for-employers/) - Payactiv is excited to share today’s press release from US Bank announcing our partnership to bring EWA to millions. Employees at organizations that use the prepaid U.S. Bank Focus Card for payroll disbursements can access a portion of their earned wages on-demand through an immediate direct deposit to their U.S. Bank Focus Card. The collaboration - [Going Further With Your ESG and DEI Efforts](https://payactiv.com/resources/going-further-with-your-esg-and-dei-efforts/) - In a rapidly changing corporate landscape, businesses are realizing that financial equity is an integral part of their ESG and DEI initiatives. Explore the critical role financial equality plays in socially conscious business practices and how companies can address income inequality with innovative solutions like on-demand pay to empower their workforce. - [Improving Hiring & Retention Strategies With UKG Wallet’s Earned Wage Access](https://payactiv.com/webinars/improve-hiring-and-retention-with-ukgwallet) - ON-DEMAND WEBINAR Financial Wellness Benefits That Matter: Improving Hiring & Retention Strategies With UKG Wallet’s Earned Wage Access Overview In today’s economy, financial stress remains a leading cause of employee turnover and disengagement, leading more employers to explore the benefits of financial wellness programs as part of their recruitment and retention strategies. However, not all - [Senior Communities Reduces Turnover by 20% with Payactiv](https://payactiv.com/webinars/how-american-senior-communities-reduced-turnover-by-20/) - Financial Wellness Benefits That Matter: Improving Hiring & Retention Strategies With On-Demand Pay Overview In today’s economy, financial stress remains a leading cause of employee turnover and disengagement, leading more employers to explore the benefits of financial wellness programs as part of their recruitment and retention strategies. However, not all financial wellness benefits are created - [Industry Insights: Hospitality](https://payactiv.com/industry-insights/hospitality/) - Welcome to our resource page for Hospitality Hiring! Federal Reserve officials expect the unemployment rate to reach 4.5% by the end of 2023 with millions of Americans likely to lose their jobs and grapple with higher interest rates. As a result, many employees are reevaluating their jobs and industries while prioritizing work flexibility and financial - [The Real Way Your Workforce Defines Flexibility](https://payactiv.com/webinars/the-real-way-your-workforce-defines-flexibility/) - The Real Way Your Workforce Defines Flexibility Lighthouse Research Fireside Chat Overview Quick–when you think about flexibility at work, what comes to mind? Most of us have been conditioned to think about where someone works, but the data indicate that the workforce cares much more about how they work. In this session, Payactiv’s Channel Manager - [Earned Wage Access: Thank You to Those Who Answer](https://payactiv.com/resources/ewa-call-center-whitepaper/) - In recent years, call center employees have become the most essential part of an essential economy. As businesses transitioned online in the wake of pandemic lockdowns, e-commerce skyrocketed 49% and call centers experienced huge upticks in business. Unfortunately, while the volume of calls increased, the number of employees did not. The call center industry typically - [Serving QSR Employees in 2022 [Whitepaper]](https://payactiv.com/resources/serving-qsr-employees-in-2022/) - Fast food is one of the few jobs that everyone interacts with and a majority of the population has worked at one time or another. This gives incredible insight and backing to the causes that QSR workers are currently fighting for. Yet another reason for employers to serve that community and succeed in acclimating to - [QSR Tip Sheet](https://payactiv.com/resources/qsr-tip-sheet/) - Since the first burger flip, quick turnover has plagued the QSR industry. However, today’s overwhelming staff shortages are spotlighting a new need for C-A-R-E (Connection, Authenticity, Relatability, Engagement). Employers that show C-A-R-E to their workforce by implementing benefits like Payactiv will make employees’ lives easier and be rewarded with uncommon loyalty. Loyal employees are more - [Business Outcomes 1,000](https://payactiv.com/resources/business-outcomes-1000/) - Today, nearly 100 million U.S. workers live paycheck-to-paycheck with less than $500 in liquid savings. Consequently, this financial stress costs American companies $300 billion per year due to decreased productivity, increased absenteeism, accidents, turnover, and rising healthcare premiums for employees succumbing to stress-related illnesses. Payactiv created, from the ground up, the precise services needed to - [The State of Employee Financial Wellness 2023 Survey](https://payactiv.com/resources/the-state-of-employee-financial-wellness-2023-survey/) - Nearly two-thirds of Americans face financial hardship, made worse by the pandemic and historical inflation. Employee financial wellness is no longer just a trend, it's a critical area that can impact your organization's bottom line. Discover the state of employee financial wellness in 2023 with Payactiv's latest survey, conducted in partnership with HR.com. Gain insights - [Business Outcomes 5,000](https://payactiv.com/resources/business-outcomes-5000/) - Today, nearly 100 million U.S. workers live paycheck-to-paycheck with less than $500 in liquid savings. Consequently, this financial stress costs American companies $300 billion per year due to decreased productivity, increased absenteeism, accidents, turnover, and rising healthcare premiums for employees succumbing to stress-related illnesses. Payactiv created, from the ground up, the precise services needed to - [Modernize Employee Benefits to Support Staff](https://payactiv.com/resources/the-time-is-now-modernize-your-employee-benefits-package-to-support-financially-struggling-employees/) - In today's uncertain economic climate, financial struggles affect Americans across all income levels, taking a toll on their overall well-being. This white paper delves into the daily financial stressors your employees likely face and how limited options can make navigating these challenges even more daunting. We break down the multi-faceted reasons behind the all-time low - [Business Outcomes 10,000](https://payactiv.com/resources/business-outcomes-10000/) - Today, nearly 100 million U.S. workers live paycheck-to-paycheck with less than $500 in liquid savings. Consequently, this financial stress costs American companies $300 billion per year due to decreased productivity, increased absenteeism, accidents, turnover, and rising healthcare premiums for employees succumbing to stress-related illnesses. Payactiv created, from the ground up, the precise services needed to - [Optimizing Hiring for Healthcare Workers](https://payactiv.com/resources/optimizing_hiring_and_retention_strategies_for_healthcare_workers) - The national turnover rate for hospitals as of January 2022 is 26% annually and 100% every 5 years. And between January to August 2022, over 230,000 physicians, nurse practitioners, physician assistants and other clinicians had quit their jobs as of August 2022. And as the worker shortages affect current and prospective staff, patients are also - [Business Outcomes 50,000](https://payactiv.com/resources/business-outcomes-50000/) - Today, nearly 100 million U.S. workers live paycheck-to-paycheck with less than $500 in liquid savings. Consequently, this financial stress costs American companies $300 billion per year due to decreased productivity, increased absenteeism, accidents, turnover, and rising healthcare premiums for employees succumbing to stress-related illnesses. Payactiv created, from the ground up, the precise services needed to - [Recruit & Retain Staff in Hospitality](https://payactiv.com/resources/hospitality-3-ways-to-increase-recruitment-and-rebuild-the-hotel-industry-workforce/) - The hospitality industry has a typical turnover rate of 73.8%. Prioritizing how you attract and retain talent as a hospitality business is more critical than ever. Read more about how your business can thrive in 2023 and beyond by incorporating employee-first financial wellness benefits in our whitepaper. - [Four Big Benefits of Offering Earned Wage Access](https://payactiv.com/resources/ebook-4-big-benefits/) - Studies have consistently shown that personal financial stress is inextricably linked to poor work performance, a plethora of health issues, increased absenteeism, and employee turnover–all of which directly impact businesses’ bottom line. Today, 82% of employees worry more about their finances than their health. With growing awareness around the effects of financial ups, downs, and - [HR Exchange Win the Recruitment Wars with On-Demand Pay](https://payactiv.com/resources/hr-exchange-win-the-recruitment-wars-with-on-demand-pay/) - HR Exchange Network recently conducted the On-Demand Pay Survey of more than 160 HR leaders to find out about the growth of on-demand pay and discovered employees and recruits are looking for this kind of help from their employers. People are desperate to relieve financial stress and pay for unexpected expenses in a pinch. As - [EBN EWA Is Helping Employers Step up Hiring and Retention](https://payactiv.com/resources/ebn-ewa-is-helping-employers-step-up-hiring-and-retention/) - The demand for EWA has grown over 200% since 2018 and the growth has accelerated even more during the COVID pandemic, reaching over $9.5 billion in accessed dollar volume in 2020. For employers, EWA is a great way to empower their staff to manage today’s financial stress and improve their abilities to recruit and retain - [5 Myths Around Earned Wage Benefits (And the Real Facts)](https://payactiv.com/resources/5-myths-around-earned-wage-benefits-and-the-real-facts/) - What is Earned Wage Access? Discover 5 myths (and the real facts) surrounding the benefit! Get the report: - [Earned Wage Access Confirmed to Increase Employee Retention](https://payactiv.com/resources/ewa-impact-on-reducing-turnover/) - The Payactiv financial wellness program provides financial relief to workers living paycheck to paycheck by giving them on-demand access to their earned wages. Employers who offer Payactiv to their employees report a happier workforce and an increase in recruitment and retention. Measuring these results is not only challenging but also time consuming. It requires an - [Engaging the Deskless Workforce [Whitepaper]](https://payactiv.com/resources/engaging-the-deskless-workforce/) - Today’s workforce is mobile. 80% of the global workforce, or 2.7 billion employees, are deskless and often outside office space. Warehouse workers, waiters, retail associates, drivers, landscapers, dishwashers, and thousands of other occupations do not have access to email and have little contact with executives and managerial staff. As a result, many of the workers - [Good Cents Podcast Episode 33: Paying Off Your Debt With the Debt Avalanche & Debt Snowball Method ](https://payactiv.com/good-cents-podcast/good-cents-podcast-episode-33-paying-off-your-debt-with-the-debt-avalanche-debt-snowball-method/) - In today's episode, we dive into a topic close to many of our hearts: paying off debt. With millions across the country facing credit card debt, student loans, and more, the quest for financial freedom is more pressing than ever. We chatted with Martin Dasko, a seasoned freelance writer and expert in personal finance, about - [Good Cents Podcast Episode 32: Flex Your Finances: Strategies for Navigating Irregular Income](https://payactiv.com/good-cents-podcast/episode-32-flex-your-finances-strategies-for-navigating-irregular-income/) - Welcome to another episode of The Good Cents by Payactiv podcast. Hosted by Eric Rosenberg, this episode delves into the challenges and strategies of managing finances when your earnings fluctuate month to month. Whether you're a freelancer, gig worker, or self-employed, understanding how to budget, save, and plan with an unpredictable income is essential. Join - [Creating Employee Loyalty by Fighting Financial Stress at Its Source ​](https://payactiv.com/case-studies/creating-employee-loyalty-by-fighting-financial-stress-at-its-source/) - Industry: Retail With over 230 locations in seven states, Sun Com Mobile is a rapidly expanding customer-centric cellular provider and is one of the largest partners of Cricket Wireless in the US. While specializing in providing a delightful customer experience, Sun Com has also focused on creating a wonderful employee experience for its nearly 2500 - [11 Recruiting Strategies to Help Your Business Stand Out](https://payactiv.com/blog/11-recruiting-strategies-to-help-your-business-stand-out/) - If you've had to dust off your "We're Hiring!" signs over the last few months, you're not alone. The current landscape of unprecedented skill shortages has left many business owners grappling with the challenge of attracting and retaining talent, prompting them to revisit and revamp their recruiting strategies. This mass exodus of workers from the - [QSR Combats High Turnover With On-Demand Pay](https://payactiv.com/case-studies/qsr-combats-high-turnover-with-on-demand-pay/) - Industry: Restaurants, QSR Key Takeaways Easy implementation process 50% Increase in retention for Payactiv users Reduced operating costs The Employee Benefit That Actually Lowers Operating Costs The Challenge JAE Restaurant Group’s story began back in 2014 when three franchisees merged their businesses and quickly grew to be one of the largest Wendy’s franchisee groups in - [Good Cents Podcast Episode 27: Preparing Next Year’s Budget, Now!](https://payactiv.com/good-cents-podcast/episode-27-preparing-next-years-budget-now/) - The new year is right around the corner, which means it’s the perfect time to take a look at our finances and create a budgeting and saving plan for the new year. In today’s podcast episode, we discuss how to create a budget for 2024 based on your goals, using a variety of accessible, financial - [Good Cents Podcast Episode 28: Money Management 2.0: The Power of Financial Apps](https://payactiv.com/good-cents-podcast/money-management-2-0-the-power-of-financial-apps/) - In this episode of Good Cents, we dive deep into the world of financial apps and uncover the strategies and tips you need to leverage them effectively to reach your financial goals. Our expert guest, Bobby Lee, is a seasoned consumer advocate and financial counselor. He shares invaluable insights on selecting the right apps, setting - [Good Cents Podcast Episode 29: Making Car Ownership More Affordable: A Step-by-Step Guide](https://payactiv.com/good-cents-podcast/episode-29-making-car-ownership-more-affordable-a-step-by-step-guide/) - In this episode of the Good Cents podcast, Eric Rosenberg dives into the costs and factors that go into buying a car and how to save money during the process. Learn about common financial complications associated with owning a vehicle and how to make informed decisions from purchasing to maintenance. From the disadvantages of leasing - [Good Cents Podcast Episode 31: Mastering Tax Season: Maximize Your Refund & Simplify Your Filing To Reach Your Goals](https://payactiv.com/good-cents-podcast/episode-31-mastering-tax-season-maximize-your-refund-simplify-your-filing-to-reach-your-goals/) - In this episode, your host Eric Rosenberg is joined by special guest Whitney Hansen, a renowned personal finance coach and host of the Money Nerds podcast. Together, they delve into the intricacies of tax season preparation, sharing invaluable tips and strategies to help you maximize your tax refunds and streamline the filing process. From staying - [Good Cents Podcast Episode 26: How to Maximize Your Savings During The Holidays](https://payactiv.com/good-cents-podcast/episode-26-how-to-maximize-your-savings-during-the-holidays/) - Prioritizing saving and budgeting during the holidays is crucial for maintaining the financial habits you focus on building throughout the year. For example, having a budget in place allows for thoughtful and intentional gift-giving while keeping excessive and impulsive spending in check. When you stay on track during the holidays, it’s easier to start the - [Get Paid Tomorrow with TimelyPay](https://payactiv.com/webinars/webinar-work-today-paid-tomorrow/) - Work Today, Paid Tomorrow Incentivize filling shifts with TimelyPay and Earned Wage Access Date: August 13, 2020Learn how employers across the US are incentivizing staff members to pick up hard-to-fill shifts—even on late-nights and holidays—with access to pay the next day. Employees can get up to 65% of that shift’s pay sent directly to their - [Contactless Payments: Reshaping Payroll with Payactiv](https://payactiv.com/webinars/a-better-way-to-pay-how-contactless-payments-are-reshaping-payroll/) - A Better Way to Pay - The Payactiv Visa® Payroll Card How Contactless Payments are Reshaping PayrollAlternative payment methods, such as paycards, are a growing factor in the payroll administration landscape. In 2012, 4.6 million workers in the US received their wages on payroll cards. By 2022, that number is projected to rise to 8.4 - [Good Cents Podcast Episode 30: High-Paying Jobs Without a College Degree](https://payactiv.com/good-cents-podcast/good-cents-podcast-episode-30-high-paying-jobs-without-a-college-degree/) - Welcome to another episode of Good Cents by Payactiv! In this edition, your host Eric Rosenberg is joined by budgeting and personal finance expert Allison Baggerly from The Inspired Budget. Together, they explore lucrative career paths that don't require a college degree. From commercial pilots to electrical power line installers, dive into a variety of - [Payactiv Now Available on Oracle Cloud Marketplace](https://payactiv.com/press/payactiv-now-available-on-oracle-cloud-marketplace/) - Millions of Workers Empowered to Gain Financial Control With Timely Access to Earned Wages Santa Clara, CA, November 08, 2023 – Payactiv, a leading provider of holistic financial wellness benefits and a member of Oracle Partner Network (OPN), today announced it is now available on Oracle Cloud Marketplace and can be integrated with Oracle Fusion - [EWA Shields Workers From Financial Vulnerability](https://payactiv.com/press/ewa-shields-workers-from-financial-vulnerability/) - 2023 Impact Report Shows Payactiv EWA Cuts Reliance on Payday Loans SAN JOSE, September 27, 2023 – Payactiv, the leading provider of employer-integrated holistic financial wellness benefits, has released its 2023 Impact Report. The report reveals how employer-sponsored Earned Wage Access (EWA) helps U.S. workers avoid financial hardships and increase job satisfaction. Key Insights: 74% of - [Good Cents Podcast Ep. 25: Financial Fraud | Payactiv](https://payactiv.com/good-cents-podcast/good-cents-podcast-ep-25-3-types-of-financial-fraud-to-be-afraid-of/) - Being aware of financial fraud is crucial because it helps protect your hard-earned money and keep you on track towards your financial goals. When you can recognize the signs of fraud, you can protect yourself and loved ones from scams that can cost you hundreds or thousands of dollars. In today’s podcast, learn about the - [Good Cents Podcast Ep. 23: Navigating Student Loans | Payactiv](https://payactiv.com/good-cents-podcast/good-cents-podcast-ep-23-navigating-student-loans-repayment-rates-and-forgiveness-programs-demystified/) - Join Robert Fattington, from The College Investor, and Erin Rosenberg for an in-depth conversation about student loans, qualifying for loan forgiveness, and optimizing your repayment and refinancing strategies. Learn about the ins and outs of loan qualification, repayment plans, and forgiveness programs as a student or a parent. Fattington and Rosenberg discuss the benefits of - [Don’t Break Your Bank for the Holidays](https://payactiv.com/financial-learning/dont-break-your-bank-for-the-holidays/) - Family traditions don’t have to be expensive to be fun and memorable. Setting up traditions with your friends rather than exchanging gifts saves you money while giving you time to reconnect amidst the hustle and bustle of daily life. The holiday season is also an excellent time for service projects, and participating doesn’t have to - [77 Million Hourly Workers of America](https://payactiv.com/infographics/hourly-workers-america/) - [How Americans Spent Stimulus Checks](https://payactiv.com/infographics/how-americans-spent-stimulus-checks/) - Americans were given checks that amounted to more than they might usually earn, and yet they primarily spent it on necessities. - [Flattening the Curve of COVID-19 and Unemployment](https://payactiv.com/infographics/flattening-the-curve-of-covid-19-and-unemployment/) - Government-mandated lockdowns as a response to COVID-19 may have flattened the curve, but they also flattened American workers. - [Cost of Financial Stress](https://payactiv.com/infographics/cost-of-financial-stress/) - [60% of Payday Loan Borrowers are Women](https://payactiv.com/infographics/working-mothers-payday-loans/) - [When People Have Money, They Save It](https://payactiv.com/infographics/when-people-have-money-they-save-it/) - When workers actually have money, they save it. Without earned wage access (EWA), workers have to use expensive credit to make ends meet. - [The Need for EWA: In Numbers](https://payactiv.com/infographics/the-need-for-ewa-in-numbers/) - The Need for EWA in Numbers PwC's 2019 Employee Financial Wellness Survey - [No More Fin-Tax](https://payactiv.com/infographics/no-more-fintax/) - Fee and Debt Traps Avoided by Using PayActiv - [Why Employee Financial Wellness Matters](https://payactiv.com/infographics/why-financial-wellness/) - [Empowering Employees to Relieve Financial Stress, Improve Patient Care](https://payactiv.com/case-studies/empowering-employees-to-relieve-financial-stress-improve-patient-care/) - Industry: Hospitals Baton Rouge General provides staff members with groundbreaking financial wellness services that include immediate access to earned wages plus innovative ways to increase savings and eliminate debt. Unrivaled HR benefits like these help recruit and retain the best and the brightest employees, to deliver the compassionate, state-of-the-art patient care for which the hospital - [Home Health Care Organization Empowers Staff to Regain Control of Their Finances](https://payactiv.com/case-studies/home-health-care-organization-empowers-staff-to-regain-control-of-their-finances/) - Industry: Aging Care The Challenge Mary Haynes, President and CEO of Nazareth Home & Sacred Heart Home, Louisville, Kentucky understands the financial pains of her employees who are living paycheck to paycheck and was looking for a program aimed at financial wellness and empowerment to help employees with their day-to-day struggles. “Imagine how challenging it - [Reputable Staffing Company Reduces Turnover](https://payactiv.com/case-studies/reputable-staffing-company-reduces-turnover/) - Industry: Staffing Services Key Takeaways 30% Employee participation in the program $12 million Earned wages accessed in a little over a year Reduced employee turnover without affecting cash flow Payactiv’s Earned Wage Access didn’t affect their cash flow The Challenge Integrity Staffing has been providing temporary workers and recruiting services to large online retailers across - [Online Retailer Takes Care of Employees by Offering Payactiv](https://payactiv.com/case-studies/online-retailer-takes-care-of-employees-by-offering-payactiv/) - Industry: Retail Key Takeaways Retained trained employees with on-demand access to earned wages Increased employee engagement through financial wellness benefits Reduced the amount of time spent on processing pay advances About Revolve Revolve is an online retailer of over 500 brands of top designer apparel, shoes and accessories. Started by two friends in 2003, today - [Contact Center Increases Recruitment 25% with Payactiv](https://payactiv.com/case-studies/contact-center-increases-recruitment-25-with-payactiv/) - Industry: Call Centers Key Takeaways Elevated recruitment by 25% Increased retention rates, particularly among new workers Heightened employee financial wellness About The Results Companies The Results Companies has provided premier contact center customer service solutions since 1990. Their staff of over 22,000 serve customers across a range of industries 24/7/365 in the US, Latin America, - [Home Care CEO Alleviates Employee Stress Over Payday Cycles](https://payactiv.com/case-studies/home-care-ceo-alleviates-employee-stress-over-payday-cycles/) - Industry: Aging Care The Challenge Mike Martin, CEO, Visiting Angels® Home Care, Arkansas recognized that when employees fall into payday loan cycles it is not only bad for them but also his business, because employee stress, as well as turnover, goes up. In his words, “Being approached by an employee for a payday advance is - [Humanizing Digital and Digitally Enabling Humans](https://payactiv.com/case-studies/humanizing-digital-and-digitally-enabling-humans/) - Industry: Call Centers About TTEC TTEC is a leading global provider of technology and services delivering customer engagement and customer experience solutions. 47,800+ employees interact with 3.5 million customers a day. Operating in 24 countries and 89 customer engagement centers. The Challenge Based on employee engagement and pulse surveys that TTEC implements reg- ularly, TTEC - [Leader in Customer Care Services Provides the Same Care to its Employees](https://payactiv.com/case-studies/leader-in-customer-care-services-provides-the-same-care-to-its-employees/) - Industry: Call Centers Based out of Ohio, InfoCision is an award-winning leader in providing customer care services in a diverse set of industries. InfoCision values its customers as much as it values its 2,500 employees and focuses on creating an environment conducive to employee wellness. InfoCision has been live with Payactiv since 2018. The Challenge - [Caregivers Demonstrate a Healthier Work-Life Balance Through Payactiv’s Unique Solution](https://payactiv.com/case-studies/caregivers-demonstrate-a-healthier-work-life-balance-through-payactivs-unique-solution/) - Industry: Aging Care The Challenge In Anthony Fiore’s words, “Our goal at Comfort Keepers® is to allow families to experience as much special, quality time together as possible. We can only accomplish this goal with exceptional caregivers who bring blended skills, compassion and commitment to each and every client we serve. We also place a - [How to retain employees in healthcare sector](https://payactiv.com/case-studies/how-to-retain-employees-case-study-in-healthcare-sector/) - HOSPITALS “By empowering our employees to improve their financial wellness, the Payactiv service helps us optimize productivity and provide excellent care to our patients.” —Kendall JohnsonCFO, Baton Rouge General Medical Center Customer highlights By partnering with Payactiv, Baton Rouge General Medical Center offers the Payactiv financial wellness service as a voluntary employee membership program. Participants - [QSR Attracts More Job Candidates with Payactiv](https://payactiv.com/case-studies/qsr-attracts-more-job-candidates-with-payactiv/) - Industry: Restaurants Key Takeaways Offered Payactiv financial wellness benefits that attracts new hires Took care of current employees with on-demand access to earned wages Provided a benefit that significantly reduces turnover About Charton Management Charton Management, Inc. owns and operates fast-food locations of Burger King and fast-casual restaurants, Qdoba. The Challenge Charton Management has been - [Boost Employee Productivity and Engagement](https://payactiv.com/videos/boost-employee-productivity-and-engagement/) - Watch this 2 minute video to learn how Payactiv works Lost Employee Productivity Due to Financial Stress Workplace is greatly affected by employees who are experiencing financial stress. Research suggests that employee financial stress costs American employers billions of dollars in lost employee productivity every year. A 2009 study by Dr. Ronald Loeppke and colleagues of - [Employee Engagement and Morale at Work](https://payactiv.com/videos/employee-engagement-and-morale-at-work/) - How to get out of debt:PayActiv “Creating Room for Dreams” Watch this micro-documentary, a window into how PayActiv users have benefitted from our financial wellness solution and employers’ perspectives on how PayActiv has improved employee morale and subsequently employee retention rates. Financial wellness benefits for employees PayActiv is a debt free alternative for employees, of any banking - [Absenteeism at Work Due to Financial Stress](https://payactiv.com/videos/absenteeism-at-work-due-to-financial-stress/) - Anna and Emily – I Short animation showing how financial stress leads to absenteeism at work. What is absenteeism? Absenteeism is when an employee routinely does not show up at work or is late to work, often takes long breaks or leaves early from work. The reason of absenteeism is not necessarily irresponsibility, instead the - [The Best Savings App You Will Ever Need](https://payactiv.com/videos/the-best-savings-app-you-will-ever-need/) - Watch the presentation and demo of our mobile app at Finovate Spring 2016. Today, up to 90M working people in the US don’t have $500 for an emergency. Clearly the current methods to encourage savings for the working poor have failed. At Payactiv we have reimagined the concept of savings in a mobile app. Our approach changes the status - [PayActiv Demo at Finovate Spring 2015](https://payactiv.com/videos/payactiv-demo-at-finovate-spring-2015/) - Watch PayActiv CEO Safwan Shah sheds light on the economic damage caused by the alternative financial services industry and how PayActiv can help millions of people with their financial struggles using technological innovation to bring financial services to working people – FinTech for Ordinary People! Video Transcript We are a Silicon Valley FinTech company that enables any - [We Heard You - animated film tribute to workers & businesses](https://payactiv.com/videos/video-we-heard-you/) - An animated film paying tribute to workers and caring businesses everywhere Workers are suffering unnecessary financial stress, and PayActiv is changing that. PayActiv serves millions of users and moves billions of dollars to support financial wellness among those who need it most. Years ago, Safwan Shah, the co-founder and CEO of PayActiv, asked, “When will you - [Keynote at the Conscious Capitalism CEO Summit](https://payactiv.com/videos/keynote-at-the-conscious-capitalism-ceo-summit/) - In this talk at the Conscious Capitalism CEO summit, Safwan Shah wakes up an audience of 250 CEOs and presidents to connection between the timing of pay and 90 million people in America live paycheck to paycheck. - [It’s About TIME – A short film presented by PayActiv](https://payactiv.com/videos/its-about-time-a-short-film-presented-by-payactiv/) - Featuring commentary from CEOs, financial health experts and employees, the film follows the stories of several American workers living paycheck-to-paycheck. - [How Payactiv Financial Wellness Benefit Works](https://payactiv.com/videos/how-payactiv-financial-wellness-benefit-works/) - Payactiv gives employees access to a portion of their earned wages before payday. Learn how to offer it as an employee benefit, how employees enroll and use the app. - [Financial App for Employees: Access Wages, Budget and Save](https://payactiv.com/videos/financial-app-for-employees-access-wages-budget-and-save/) - Anna and Emiliy – II Watch how the Payactiv financial wellness app for employees works to give timely access to earned wages as well as to budget and save Has an employee ever asked for a cash advance? Are businesses equipped to handle such requests? Is there a financial app for this? Financial companies don’t make - [Real Time Payroll, A FinTech Innovation](https://payactiv.com/videos/real-time-payroll-a-fintech-innovation/) - Watch Payactiv CEO Safwan Shah sheds light on the economic damage caused by the alternative financial services industry and how Payactiv can help millions of people with their financial struggles using technological innovation to bring financial services to working people – FinTech for Ordinary People! Video Transcript We are a Silicon Valley FinTech company that - [One Click Implementation for ADP Clients](https://payactiv.com/videos/one-click-implementation-for-adp-clients/) - PayActiv is fully integrated with ADP Workforce NOW, Vantage HCM, and ADP powered by RUN platforms, making it seamless for ADP clients to offer PayActiv to their employees. - [Money Speakeasy: Wilson Muscadin on Finance Insights | Payactiv](https://payactiv.com/good-cents-podcast/wilcon-muscadin-on-the-money-speakeasy-and-how-to-bridge-financial-gaps-for-black-americans/) - In this episode of the Payactiv Podcast, we’re talking with Wilson Muscadin about his foundation, The Money Speakeasy, the intersection of race and personal finance, and much more. Wilson Muscadin is a financial coach and Accredited Financial Counselor®. His foundation, The Money Speakeasy, was built as a social outlet for Americans to talk about taboo - [Good Cents Ep. 6 Part 2: Tips For Getting a Raise](https://payactiv.com/good-cents-podcast/tips-for-getting-a-raise-part-2/) - It’s time to get paid what you deserve. In part 1 of "Tips For Getting a Raise", hosts Eric and Sydney talked about why asking for more money from your boss can feel challenging (but might be easier than you think). In Part 2, Eric and Sydney continue their conversation about how to ask for - [Good Cents Ep. 6 Part 1: Tips for Getting a Raise](https://payactiv.com/good-cents-podcast/tips-for-getting-a-raise-part-1/) - Asking your boss for more money can feel quite strange. Financial expert Eric Rosenberg and curious writer Sydney dig into this taboo topic and cover everything from how to prepare to ask your boss for a raise, to how much you should ask for, and why a raise should come with every job change. There’s - [Good Cents Ep. 8: Payactiv CEO Safwan Shah on “What It Means to Be Best for the World”](https://payactiv.com/good-cents-podcast/payactiv-ceo-safwan-shah-on-what-it-means-to-be-best-for-the-world/) - In today’s episode, we’re celebrating Payactiv’s second year in a row winning “Best for the World” with Payactiv CEO, Safwan Shah. This award is only given to the top 5% of B Corporations, and it’s a huge deal! So grab some headphones, get comfy, and get ready to learn more about Payactiv’s mission directly from - [Michelle Jackson: Money, Community, & Financial Vision | Payactiv](https://payactiv.com/good-cents-podcast/michelle-jackson-on-financial-conversations-and-what-employers-can-learn-from-costco/) - In this episode of the Payactiv Podcast, we’re talking with Michelle Jackson about why it’s important to have uncomfortable financial conversations, find a financial community, and a whole lot more. Michelle is host of the podcast, “Michelle is Money Hungry” where she discusses all things personal finance and entrepreneurship. Have a listen to our conversation - [Good Cents Ep. 10: J. Money on “Why Net Worth Tracking, Goal-Setting, and Budgets, are Sexy"](https://payactiv.com/good-cents-podcast/j-money-on-why-net-worth-tracking-goal-setting-and-budgets-are-sexy/) - On this episode of Good Cents, we’re tackling BIG money questions. What is the point of money if you don’t know what to do with it? How easy is it to save your first ten thousand dollars? What do you do after you saved it? Eric speaks with J. Money of Budgets are Sexy about - [Good Cents Podcast Ep. 19: How to Negotiate a Fair Raise in Today's Economic Climate](https://payactiv.com/good-cents-podcast/how-to-negotiate-a-fair-raise-in-todays-economic-climate/) - Despite worries about the economy, today’s episode of Good Cents episode will convince you that now is a great time to explore your current pay options and maybe even negotiate a raise with your current employer. We’re talking to Stephanie O'Connell, a finance expert, author, podcaster, and journalist. Stephanie’s advice for asking for a raise? - [Good Cents Ep. 5: How to Love Your Budget](https://payactiv.com/good-cents-podcast/how-to-love-your-budget/) - There are very few people who love a good budget more than our host Eric Rosenberg. Sydney and Eric talk about how to simplify the idea of a budget to make it less scary, how often we should be thinking about budgeting, and more. Payactiv's free financial toolkit helps you get smart insights into your - [Good Cents Podcast Ep. 24: Money and Mental Health | Payactiv](https://payactiv.com/good-cents-podcast/how-financial-wellness-and-mental-wellness-are-connected/) - Your financial health and mental health impact each other on a regular basis. Join Eric Rosenberg and Melanie Lockhart in an informative conversation about how financial stress can lead to mental health challenges and vice versa. Learn proven strategies for remembering your self-worth and making informed financial decisions that align with your goals. Have a - [Good Cents Podcast Ep. 15: Holiday Savings Tips for Single-Income Families with Brynne Conroy](https://payactiv.com/good-cents-podcast/holiday-savings-tips-for-single-income-families-with-brynne-conroy/) - This time of year can be one of the most expensive and challenging for families living on one income. Singe mom and author of “The Feminist Financial Handbook,” Brynne Conroy shares her inspiring story plus tips you can use year-round to minimize holiday financial stress. From setting money aside every month, to using financial wellness - [Good Cents Podcast Ep. 17: The Double-Edged Sword of Credit Cards](https://payactiv.com/good-cents-podcast/good-cents-podcastep-17the-double-edged-sword-of-credit-cards/) - Credit cards are a valuable financial tool for renting a home or taking out a loan, but like a double-edged sword, beware! Slipping into a debt spiral is also easier in today’s economic climate. On this episode of Good Cents, Eric Rosenberg and Deacon Hayes, President of Well Kept Wallet, dive into how to make - [Good Cents Podcast Ep. 22: Money-Saving Tips for Summer Vacation Planning](https://payactiv.com/good-cents-podcast/good-cents-podcast-ep-22-money-saving-tips-for-summer-vacation-planning/) - There’s still time to plan an incredible summer vacation, while sticking to your financial goals. In today’s podcast episode, we explore different strategies and tips that you can use to craft the perfect and budget-friendly itinerary. Have a financial question for us? Email GoodCents@payactiv.com. Don’t forget to subscribe on Apple1, Spotify, or wherever you get - [Good Cents Podcast Ep. 21: The Financial Benefits of Renting: How to Make the Most of Your Lease](https://payactiv.com/good-cents-podcast/good-cents-podcast-ep-21-the-financial-benefits-of-renting-how-to-make-the-most-of-your-lease/) - Renting sometimes gets a bad reputation. Buying a home is often considered a sign of financial success or milestone, but for many of us, renting can actually be a more prudent choice based on our goals and current financial situation. In today’s podcast episode, we dig into when and why renting is better than buying - [Good Cents Podcast Ep. 20: From Renting to Owning: A Financial Guide to Buying Your First Home](https://payactiv.com/good-cents-podcast/good-cents-podcast-ep-20-from-renting-to-owning-a-financial-guide-to-buying-your-first-home/) - Buying your first home can be a daunting venture. Being prepared for every step is one of the best ways to increase your confidence and chances of finding a home you love that also fits your budget. Have a financial question for us? Email GoodCents@payactiv.com. Don’t forget to subscribe on Apple1, Spotify, or wherever you - [Good Cents Podcast Ep. 18: Insider Tips for Maximizing Your 2022 Tax Refund](https://payactiv.com/good-cents-podcast/good-cents-podcast-ep-18-insider-tips-for-maximizing-your-2022-tax-refund/) - A key facet of financial learning is understanding how tax preparation works. Nicole Rosen is an Enrolled Agent (EA) with the IRS, which means she’s in a great position to share some tips for maximizing your 2022 tax refund. Have a financial question for us? Email GoodCents@payactiv.com. Don’t forget to subscribe on Apple, Spotify, or - [Good Cents Podcast Ep. 16: Top Financial Tips for 2023](https://payactiv.com/good-cents-podcast/good-cents-podcast-ep-16-top-financial-tips-for-2023/) - It’s easy to start a financial goal and give up a few months in, especially when the economy feels uncertain. On today’s episode of Good Cents, Eric and Sydney are here to give you the pep talk you need because leveling up your finances is always possible, no matter your financial situation. It just takes - [Good Cents Podcast Ep. 14: How to Save During Benefits Enrollment Season with Tiffany Grant](https://payactiv.com/good-cents-podcast/good-cents-podcast-ep-14-how-to-save-during-benefits-enrollment-season-with-tiffany-grant/) - Did you recently receive an email from your employer asking you to sign up for benefits? Navigating Benefits Enrollment Season alone can be tricky, which is why Eric and Tiffany Grant of “Money Talk with T” have your back. Eric and Tiffany cover choosing a retirement and healthcare plan, HSAs and FSAs, nontraditional benefits (Like - [Good Cents Podcast Ep. 13: Pros and Cons of Borrowing Money From Family with Elle Martinez](https://payactiv.com/good-cents-podcast/good-cents-podcast-ep-13-pros-and-cons-of-borrowing-money-from-family-with-elle-martinez/) - How do you simultaneously help out a loved one who needs a loan while protecting your hard-earned money? Can you mix family and finances without stirring the pot? These questions can be stressful to answer without a guide. Enter: Eric and family finance expert Elle Martinez of Couple Money. Eric and Elle share simple strategies - [Good Cents Podcast Ep. 12: Coffee with KOFE, Knowledge of Financial Education](https://payactiv.com/good-cents-podcast/good-cents-podcast-ep-12-coffee-with-kofe-knowledge-of-financial-education/) - Are you saving for a goal, paying off credit cards, planning for kids, or just feeling lost when navigating your finances? A certified financial coach like Mario Rodriguez from KOFE (Knowledge of Financial Education) can give you advice and support for $0.00 when you download the Payactiv app1. From approaching an intimidating court summoning to - [Good Cents Ep. 4: Credit Cards and Credit Scores 101](https://payactiv.com/good-cents-podcast/good-cents-credit-cards-and-credit-scores-101/) - Understanding how credit cards really work can be confusing. In this episode, we discuss every question we can think of when it comes to navigating this complicated piece of plastic. From timing your payment schedules to making better spending habits, we’ll break it down and make credit cards easier to manage. Have a listen or - [Good Cents Ep. 11: Athena Lent on “Unique Financial Challenges Facing the Latinx Community”](https://payactiv.com/good-cents-podcast/athena-lent-on-unique-financial-challenges-facing-the-latinx-community/) - Happy Hispanic Heritage Month! Athena Lent of “Money Smart Latina” and Eric dive into the important lessons Athena learned while spending time with Junior Achievement students and how these lessons would later start Athena’s career in personal finance education. We’ll discuss the systemic issues facing Latinx people, particularly Latina women, and how alternative banking solutions - [Good Cents Ep. 7: Are Side Hustles Worth It?](https://payactiv.com/good-cents-podcast/are-side-hustles-worth-it/) - As consumers start feeling the cost-of-living crisis, many are looking for ways to supplement their incomes with a second income from a “side hustle.” Read on as our panel of experts explain how the right side hustle can benefit your pocket and your personal and professional well-being. They also share some tips on optimizing your - [Good Cents Ep. 3: 2021 Tax Season Checklist](https://payactiv.com/good-cents-podcast/2021-tax-season-checklist/) - Tax Season is a great time to take a pause and take a deep dive into our finances. Eric Rosenberg asks Enda Ferraro, volunteer income tax assistant, all about what’s unique about this year’s tax season, some common tax questions, and gets some last-minute tax preparation tips you might be able to use this weekend. - [How Earned Wage Access Fosters a Culture of Respect [Whitepaper]](https://payactiv.com/resources/how-earned-wage-access-increases-value-for-individuals-corporations-and-society/) - Payactiv helps shift people out from survival mode and towards self-actualization: a place from which they can be more compassionate to themselves and others, a place from which they can contribute more to their workplace and the world, a place from which they can give and receive kindness and care. - [Business Outcomes of Employee Financial Wellness [Whitepaper]](https://payactiv.com/resources/business-outcomes-employee-financial-wellness/) - Download this informative analysis of savings for businesses where employees use Payactiv to manage everyday financial needs and preparing for tomorrow. - [Visa & PayActiv: On-Demand Access to Earned Wages](https://payactiv.com/press/visa-and-payactiv-join-forces-to-offer-on-demand-access-to-earned-wages/) - This new partnership will allow participating employers to pay their employees instantly via Visa Direct – No waiting for old-school payday every two weeks. SAN FRANCISCO--(BUSINESS WIRE)--March 07, 2019, Visa (NYSE: V) and PayActiv announced a new agreement that enables real-time1 access to earned wages disbursed by PayActiv. The demand for instant access to earned funds - [Paychex and PayActiv's Partnership Relief During COVID-19](https://payactiv.com/press/paychex-payactiv-partnership-relief-during-covid-19/) - Paychex, PayActiv Extending Immediate Relief to Business Owners and Employees with On-Demand Pay Option During COVID-19 Crisis Rochester, N.Y. (April 1, 2020) – In light of the coronavirus (COVID-19) crisis, Paychex Inc., a leading provider of HR, payroll, benefits, and insurance solutions that pays 1 in 12 American private sector workers, and PayActiv, the leading - [Payactiv Wins "Best For The World" B Corp Award](https://payactiv.com/press/payactiv-wins-best-world-bcorp-excellence-beyond-profit/) - Certified B Corp and leading provider of financial-empowerment services for wage earners, has been named a “Best for the World™” B Corp in recognition of its exemplary performance beyond commercial metrics […] - [Payactiv Wins 2021 Digital Wallet Innovation Award](https://payactiv.com/press/payactiv-wins-2021-digital-wallet-innovation-award/) - Payactiv won the 2021 Digital Wallet Impact Innovation Award presented by Aite-Novarica Group in partnership with the Mobile Payment Conference and sponsored by Cybersource, a Visa® solution […] - [Users Access Wages in Real-Time with Visa Direct](https://payactiv.com/press/payactiv-users-choose-to-access-hourly-wages-in-real-time-with-visa-direct-over-ach/) - SAN JOSE, Calif., Aug. 18, 2020 /PRNewswire/ -- Recent data from PayActiv, Inc. ("PayActiv"), a leading provider of employer-sponsored earned wage and tip access, has found that four out of every five PayActiv users prefer to access their funds in real-time,1 a capability enabled by Visa Direct, Visa's real-time push payments platform, over all other ways of accessing - [Payactiv's Real-Time Comms Platform Engages Employees](https://payactiv.com/press/payactiv-offers-real-time-communications-platform-for-businesses-to-engage-their-deskless-employees/) - SAN JOSE, Calif., Dec. 8, 2021 /PRNewswire/ -- Payactiv, Inc, a certified B Corp and the leader in Earned Wage Access (EWA), today announces Payactiv Connect, a real-time employee communications platform that enables businesses to easily message, inform and train their deskless and distributed workforces. Payactiv Connect is part of the award-winning Payactiv Lively app, the first - [Payactiv Digital Wallet Wins Grand Prize](https://payactiv.com/press/payactiv-digital-wallet-wins-grand-prize/) - Payactiv won big at the Digital Wallet Awards, receiving the event’s grand prize. Payactiv was recognized as a trailblazer in the digital wallet space, delivering outstanding user experience with access to the most comprehensive financial wellness services […] - [$1B in Processed Funds for Wage Access](https://payactiv.com/press/payactiv-crosses-1-billion-in-processed-funds-for-timely-earned-wage-access-to-the-underserved-and-underbanked-workforce/) - Over 650,000 employees, irrespective of their banking or credit status have fulfilled their small dollar, short term needs without adding additional debt. San Jose, January 14, 2019 - After processing over $1 Billion, we are now able to quantify the true cost of financial stress experienced by two-thirds of the American workforce. Payactiv surveyed users - [PayActiv Awarded ISO/IEC 27001:2013 Certification](https://payactiv.com/press/payactiv-awarded-iso-iec-270012013-certification/) - ISO/IEC 27001:2013 is an information security management system standard published in October 2013 by the International Organization for Standardization (ISO) and the International Electrotechnical Commission (IEC). - [Payactiv Awarded Best of Show at FinovateSpring 2016](https://payactiv.com/press/payactiv-awarded-best-of-show-at-finovatespring-2016/) - Mike Giles @ FinTech Business The best of the bunch from FinovateSpring Read the full article Philip Ryan @ Bank Innovation The dissonance between what you have earned and when it is delivered is painful for employees, and built on an antiquated system — the slow and expensive paycheck. PayActiv users can get the money - [PayActiv Announces David Reidy as Chief Legal Officer](https://payactiv.com/press/payactiv-announces-david-reidy-as-chief-legal-officer/) - David Reidy, Chief Legal Officer, PayActiv Reidy will lead legal, compliance and legislative initiatives SAN JOSE, Calif., Jan. 8, 2020 -- Today, PayActiv, Inc., a certified Public Benefit Corporation and the leader in employer sponsored, holistic financial wellness service for employees, announced David Reidy as Chief Legal Officer. Named a National Law Journal “Fintech Trailblazer,” Reidy most recently - [Payactiv Agreement Sets Best-Practices in Wage Access](https://payactiv.com/press/payactiv-agreement-with-california-dfpi/) - SAN JOSE, Calif., January 27, 2021 –The California Department of Financial Protection and Innovation (DFPI) today entered into a Memorandum of Understanding (MOU) with Payactiv that establishes industry-best practices and enables the Department to understand the benefits that Payactiv’s market-leading earned wage access (EWA) solution offers to California consumers. The MOU incorporates Payactiv’s consumer protection - [“It’s About Time” Documentary Sheds Light on Earned Wage Access](https://payactiv.com/press/its-about-time-documentary-sheds-light-on-earned-wage-access/) - Short film from PayActiv showcases the impact of timely access to earned wages on American workers SILICON VALLEY, CALIF. – June 26, 2019 – Today, PayActiv, Inc., the leader in employer-sponsored, holistic financial wellness service for employees, unveiled its documentary made in collaboration with Early Light Media and Roundtable Companies about the direct benefits of timely - [Hurricane Harvey Shows Need for Employee Financial Wellness](https://payactiv.com/press/hurricane-harvey-is-another-example-of-why-employee-financial-wellness-is-a-critical-need-today/) - August 30, 2017 09:00 AM ET PayActiv is stepping up for its employer partners to deliver Earned Wage Access to disaster-struck employees. SAN JOSE, Calif.Aug. 30, 2017 /PRNewswire/ -- Our hearts go out to the victims of Hurricane Harvey, including our users who have been impacted by this unprecedented emergency. In times of disasters, such as flooding, - [Fintech Startup Secures $9.2 Million for Financial Wellness](https://payactiv.com/press/fintech-startup-secures-9-2-million-for-financial-wellness/) - PayActiv Secures $9.2 Million in Financing to Innovate Financial Wellness Efforts That Reduce Financial Stress and Increase Productivity in the Workplace February 17, 2016 09:00 AM Eastern Standard Time SAN JOSE, Calif.--Following a successful 2015, PayActiv, FinTech startup, announced that it has secured $9.2 million in financing from investors since the company was seeded by - [Financial Wellness Solution Awarded HRE Top Products 2016](https://payactiv.com/press/financial-wellness-solution-awarded-hre-top-products-2016/) - PayActiv's Financial Wellness Solution Awarded HRE's Top Products of 2016September 20, 2016 09:00 AM Eastern Standard Time SAN JOSE, Calif.--(BUSINESS WIRE)--PayActiv, a game-changing financial wellness benefit offered in partnership with employers, has been named as one of Human Resource Executive® magazine’s Top HR Products of 2016. This product is one of the simplest, most straightforward solutions we - [Earned Wage Access in High Demand](https://payactiv.com/press/demand-for-earned-wage-access-increases-as-more-than-43-million-americans-struggle-financially/) - PayActiv processes $2.5 billion, helping American workers avoid payday loans, overdrafts and late fees San Jose, February 5, 2020 – Today, PayActiv, Inc, a public benefit corporation, announced that the company processed more than $2.5 billion in 2019 and helped its users save over $240 million in fees from payday loans, overdrafts and late payments. A recent report from - [Customer Experience Guru Don Peppers joins PayActiv in a National Effort to Improve Lives of Employees by Reducing Financial Stress](https://payactiv.com/press/customer-experience-guru-don-peppers-joins-payactiv-in-a-national-effort-to-improve-lives-of-employees-by-reducing-financial-stress/) - Employee Financial Stress Negatively Impacts Employee Engagement, Turnover, eNPS, and Customer Experience. SAN JOSE, Calif., May 18, 2017 /PRNewswire/ -- PayActiv, an award-winning fintech company with a unique "between paycheck" financial wellness benefit for employers' hourly workers, today announced that Don Peppers, one of the world's leading customer experience authorities, has agreed to join it in - [81% Users Will Stay with Their Employer Because of the Payactiv Benefit](https://payactiv.com/press/81-users-will-stay-with-their-employer-because-of-the-payactiv-benefit/) - Surveyed users across 209 companies say they are more likely to stay in their job Silicon Valley, Calif., October 2, 2019 -- Today at the HR Tech 2019 conference, Payactiv, the leading provider of affordable access to financial services, announced the results of its latest survey on employee retention. The survey found that over 81% - [Gig Economy Finances: Real-Life Lessons and Tips | Payactiv](https://payactiv.com/financial-learning/real-life-financial-lessons-no-one-tells-you-when-you-join-the-gig-economy/) - When you join the gig economy, you can use tools like the Payactiv Visa® Card’s* SmartSpend feature to manage an irregular cash flow. It’s wise to prepare for the unique tax circumstances for self-employment and look for ways to save, like taking advantage of Payactiv’s TurboTax deals. When you’re in charge of your operating budget, - [Gig Economy Impact: Solutions for Financial Security | Payactiv](https://payactiv.com/blog/the-rise-of-the-gig-economy-and-its-impact-on-employee-financial-security/) - More Americans are shunning the idea of working 9 to 5 to make a living and are instead embracing employment in the gig economy. The gig economy refers to the workforce of people engaged in independent, freelance, or side hustle work. According to a recent McKinsey survey, 36% of employed respondents—roughly 58 million Americans—identify as - [Your Complete Employee Benefits Program Checklist | Payactiv](https://payactiv.com/blog/getting-ready-for-the-new-year-your-complete-employee-benefits-program-checklist/) - For HR leaders, the end of the year brings more than holiday celebrations and employee performance reviews. Planning and administering employee benefit programs is a daunting task on their year-end to-do lists. Here are some tips for starting the new year on the right foot and ensuring your company provides employee benefits that count. What's - [Industry Insights: Call Center](https://payactiv.com/industry-insights/callcenter/) - Welcome to our resource page for Call Center Hiring! Pre-COVID the unemployment rate in the U.S. dropped to 3.4%, which made recruiting at competitive wages challenging for call centers. As a result, we began to see an uptick in outsourcing costs and higher productive hourly rates in 2019. In 2021, a new set of problems - [Industry Insights: Staffing](https://payactiv.com/industry-insights/staffing/) - Welcome to our resource page for Staffing Hiring! “According to a survey conducted by the Kaiser Family Foundation, almost 9 in 10 large employers offer an employee wellness program. What can staffing companies, and the organizations they partner with, gain from implementing a financial wellness program? This often overlooked, and easy-to-implement- employee benefit is the - [Industry Insights: Quick Service Restaurants](https://payactiv.com/industry-insights/qsr-quick-service-restaurants/) - These days, quick service restaurants are doing brisk business as consumers return to eating out, bringing with them high expectations for fast service and convenience. Yet hiring continues to be a challenge as workers look for higher wages, more flexible schedules, strong benefits, and a safe work environment. Finding and hiring the right people requires - [Retail: Seasonal Hiring](https://payactiv.com/industry-insights/retail-seasonal-hiring/) - Welcome Retailers are ready to hire as the economy recovers and consumers return to retail shopping after the pandemic slow-down. Yet “help wanted” signs on shopfronts are commonplace as the labor shortage continues to hamper the availability of workers.In response, retailers are increasing benefits to attract new hires, including higher pay and incentives such college - [The Top Secrets For Hiring Top Talent This Holiday Season](https://payactiv.com/seasonal-hiring/retail-and-hospitality/) - Did you know Hotel & Hospitality workers are aggressively looking for additional holiday opportunities? About 42% of those now working hotel & hospitality jobs want to find a second job in the hotel and hospitality field. On top of that, the winter holiday season has consistently shown to be a profitable and exciting opportunity for - [Payactiv Helps NYC Cab Drivers Get Paid](https://payactiv.com/case-studies/payactiv-helps-nyc-cab-drivers-get-paid/) - Industry: Government/Transportation Key Takeaways 7,500+ NYC cab drivers received pay Processed over $27 million of earned wages More than half a million routes taken Keeping life moving for the city’s residents during COVID-19 The Challenge When shelter in place orders were issued in New York City due to the rapid rise in coronavirus cases, the - [Caregiving Staff Finds the Solution They Need to Better Help Their Families Financially](https://payactiv.com/case-studies/caregiving-staff-finds-the-solution-they-need-to-better-help-their-families-financially/) - Industry: Aging Care The Challenge Masonic Homes was aware that their employees needed more flexibility with the timing of pay and was considering a switch from bi-weekly to weekly payroll. While weekly payroll was an improvement, it was cost prohibitive and complex on the business side. “It would be a major overhaul to change from - [8 Ways to Reach Your Savings Goals on a Limited Budget](https://payactiv.com/financial-learning/8-ways-to-reach-your-savings-goals-on-a-limited-budget/) - Setting realistic goals while saving small amounts of money can help you build confidence and reach financial milestones faster. Using tools like Payactiv’s automatic bill pay to stay on top of your expenses and say goodbye to missed payments or late fees. Tracking your budget within the Payactiv app can keep you motivated. Learning how - [The Impact of the Generational Divide on Financial Wellness](https://payactiv.com/blog/the-impact-of-the-generational-divide-on-financial-wellness/) - As Baby Boomers enter retirement, many are struggling with rising debt. This worrying trend can lead to financial instability and a lower quality of life in retirement. Healthcare costs are another major cause of rising debt for older adults. As people age, they’re more likely to develop health issues requiring medical attention, and healthcare costs - [Navigating Open Enrollment Season 2024: Strategies for Employers](https://payactiv.com/blog/navigating-open-enrollment-season-2024-strategies-for-employers/) - Over the last three years, businesses have faced disruptions on an unprecedented scale – a global pandemic, inflationary pressures, a recessionary environment, and geopolitical conflict. However, through all these changes, one thing that stays constant is the open enrollment season. In this blog, we’ll delve into some strategies employees can adopt to ensure their programs - [9 Retail Recruitment Strategies For the Holidays](https://payactiv.com/blog/9-retail-recruitment-strategies-for-the-holidays/) - With the holidays just around the corner, it’s time for retailers to ramp up their recruiting. But it’s not enough to hire fast; it’s also important to hire well, and avoid making rash decisions. Your seasonal employees may be temporary, but the impression they leave on your customers—and, therefore, your brand—is not. Your customers are - [How Businesses Recruit, Retain and Engage Better, with PayActiv](https://payactiv.com/videos/how-businesses-recruit-retain-and-engage-better-with-payactiv/) - Watch how TTEC, a leading global provider of technology and services delivering engagement and customer experience solutions, is benefiting from offering PayActiv Earned Wage Access and Financial Wellness Services to their employees. - [Dan Quan Joins Payactiv Advisory Board](https://payactiv.com/press/dan-quan-joins-payactiv-advisory-board/) - Payactiv Expands Advisory Board With Addition of Dan Quan SAN JOSE, Calif., May 30, 2019 /PRNewswire/ -- Today, Payactiv, Inc., the leader in employer-sponsored, holistic financial wellness service for employees, announced that Dan Quan has joined its Advisory Board. Quan is the Founder and Managing Partner of Banks Street Advisory. A FinTech expert and thought - [Payactiv Wins Gold Stevie Award for CSR Program](https://payactiv.com/press/payactiv-honored-as-gold-stevie-award-winner-for-corporate-social-responsibility-program-of-the-year/) - San Jose, CA - June 15, 2023 – Payactiv, Inc., the pioneer and the leading provider of Earned Wage Access (EWA) and holistic financial wellness benefits, has won the Gold Stevie® Award for “Corporate Social Responsibility Program of the Year” from the 21st Annual American Business Awards ® (ABA). Winning for the second time in - [Walmart's Financial Wellness Services for Associates](https://payactiv.com/press/walmart-offers-new-financial-wellness-services-for-associates-nationwide/) - Retailer joins financial technology startups Even and PayActiv to launch industry-first tools for personal money management, financial planning and on-demand access to earned wages BENTONVILLE, Ark. — Dec. 13, 2017 — Walmart today announced a suite of new financial wellness services for more than 1.4 million associates nationwide. The new offering was created in collaboration - [Payactiv Raises $20M to Expand Financial Wellness](https://payactiv.com/press/payactiv-raises-20-million-to-expand-financial-wellness-offering-for-millions-of-financially-stressed-workers/) - Timely Earned Wage Access from PayActiv Combines Fintech with Salary Link San Jose, Calif. – Oct. 10, 2018 – PayActiv, the largest provider of employment-based holistic financial wellness services, has raised $20 million from Generation Partners in a Series B financing round. Generation Partners has joined early round investors Ziegler Link•Age Fund II and affiliate - [Payactiv & HR.com Survey: Employee Financial Wellness](https://payactiv.com/press/payactiv-and-hr-com-survey-provides-key-insights-on-current-state-of-employee-financial-wellness/) - Survey Reveals Alarming Lack of Employer Understanding of Financial Wellness Benefits San Jose, March 30, 2023 - Payactiv, Inc., a pioneer of Earned Wage Access (EWA) and a leading provider of employee financial wellness benefits, partnered with HR.com to conduct an industry-wide survey of HR leaders to understand the current state of employee financial wellness. - [OnShift - Financial Relief Program for Healthcare](https://payactiv.com/press/financial-relief-to-assist-healthcare-workers-during-covid-19/) - CLEVELAND, April 14, 2020 (GLOBE NEWSWIRE) -- In response to the global COVID-19 pandemic, OnShift, a leader in human capital management software for post-acute care and senior living, today announced it is waiving fees for users of its financial wellness solution, OnShift Wallet powered by PayActiv. With instant access to earned wages between paychecks, users - [Payactiv Offers Earthwise Cards from CPI](https://payactiv.com/press/payactiv-offers-earthwise-high-content-payment-cards-from-cpi-card-group/) - Payactiv marks Earthday with a commitment to sustainability by introducing the new Payactiv card made with up to 98 percent upcycled plastic. - [Payactiv's Financial Wellness Solution at FinovateSpring](https://payactiv.com/press/save-in-units-of-time-financial-wellness-solution-demo-at-finovatespring-2016/) - PayActiv to Demo “Save in Units of Time” Financial Wellness Solution at FinovateSpring 2016 May 10, 2016 10:30 AM Eastern Daylight Time SAN JOSE, Calif.--(BUSINESS WIRE)--PayActiv is one of the 72 companies selected to demo at FinovateSpring 2016, a two-day showcase of the newest financial and banking technology innovations from both leading established companies and - [Payactiv Becomes Public Benefit Corporation](https://payactiv.com/press/payactiv-becomes-public-benefit-corporation/) - Adds Conscious Capitalism Co-Founder Raj Sisodia to the advisory board SAN JOSE, Calif., September 18, 2019 /PRNewswire/ -- Today, PayActiv, Inc., the leader in employer-sponsored, holistic financial wellness service for employees, announced that it has become a Public Benefit Corporation (PBC) by making a commitment to producing a public benefit and operate in a responsible - [Payactiv Adds Senior Leaders to Management Team](https://payactiv.com/press/payactiv-adds-senior-leaders-to-management-team/) - David Tate is Chief Revenue Officer and Peter Mullen is SVP Marketing SAN JOSE, CA, March 18, 2021 —Payactiv, Inc, the leader in Earned Wage Access and a Certified B-Corp, has filled key leadership positions to execute on a new phase of accelerated growth. David Tate has more than 25 years' experience in creating huge success - [Payactiv “Best for the World™” B Corp for Second Year in a Row](https://payactiv.com/press/payactiv-best-for-the-world-b-corp-for-second-year-in-a-row/) - SAN JOSE, CA, July 14, 2022 — Payactiv, Inc., a Certified B Corp and leading provider of financial empowerment services for workers, has been named a “Best for the World™” B Corp in recognition of its exemplary service in bringing financial security and dignity to millions experiencing financial stress. “Best for the World”: What It - [Hancock Whitney Bank Offers Payactiv EWA Program](https://payactiv.com/press/hancock-whitney-bank-offers-payactiv-ewa-program-to-business-clients/) - Starting immediately, Hancock Whitney will include Payactiv as an additional banking solution for its business clients. - [PayActiv Provides Free Liquidity for Workers During Crisis](https://payactiv.com/press/payactiv-provides-free-liquidity-for-workers-during-crisis/) - SAN JOSE, CALIF., March 26, 2020 – PayActiv, Inc. (“PayActiv” or “the Company”), the leading provider of employer-sponsored earned wage and tip access, today announced that it has waived its fees for millions of lower-income and hourly workers, many of whom are on the front lines in America’s hospital systems, senior living centers, and recovery clinics during - [Paying for Uber Just Got Easier for Payactiv Users](https://payactiv.com/press/paying-for-uber-just-got-easier-for-payactiv-users/) - Payactiv Integrates with Uber for Business to Enable Payactiv Users to Get Uber Rides Using Earned Wage Access SAN JOSE, Calif., Jan. 8, 2019 /PRNewswire/ -- In a new partnership with Uber for Business, Payactiv is proud to announce an innovative method to access Uber service. Rides are now available to the many who were - [NPC Introduces Payactiv Financial Wellness](https://payactiv.com/press/npc-launches-payactiv-financial-wellness-benefit-to-37000-employees/) - NPC International, the nation’s fifth largest restaurant operator, has added PayActiv, an award-winning fintech company with a unique “earned wage access” financial wellness benefit, to its list of employee benefits. NPC launched the benefit to its full employee base – more than 37,000 employees across 27 states – on November 25. The PayActiv benefit is - [Payactiv Raises $100M for Employer Financial Wellness](https://payactiv.com/press/payactiv-secures-100-million-of-funding-for-employer-sponsored-financial-wellness-solutions/) - SAN JOSE, Calif., Aug. 13, 2020 /PRNewswire/ --PayActiv, Inc., the leading employer-sponsored earned wage access and holistic financial wellness platform, today announced that it has secured $100 million of funding to further its mission of bringing security, dignity and savings to workers. The Series C financing round was led by Eldridge and includes existing PayActiv shareholders - [Paycor Partners with Payactiv for New Mobile App Feature](https://payactiv.com/press/paycor-partners-with-payactiv-to-launch-new-mobile-app-feature-paycor-wallet/) - Transforming how employees can access paychecks and financial resource tools CINCINNATI, OH — September 6, 2022 — Paycor HCM, Inc. (“Paycor”) (Nasdaq: PYCR), a leading provider of human capital management (HCM) software, today unveils its latest mobile capability, Paycor Wallet. The newest innovation gives employees the flexibility to access earned wages and pay card information through a - [Fintech Helps with Employee Financial Empowerment](https://payactiv.com/blog/fintech-helps-with-employee-financial-empowerment/) - Pioneers in fintech continue to transform the financial services landscape. Their solutions give people never-before-imagined access to speed, flexibility, and transparency. Consumers can now sign up for a checking account by phone and transact on the same day. It’s never been easier to compare deals and rates for everything from a mortgage to a personal - [FinTech Solution for Employee Financial Wellness [Whitepaper]](https://payactiv.com/resources/fintech-solution-for-employee-financial-wellness/) - An estimated 90M workers in the US are living paycheck to paycheck and even a tiny financial shock can cause late fees, bank penalties and the need for very expensive payday advances. Clearly, waiting for payday is expensive. It is very very expensive AND it hurts businesses as well as its workers. The industry needs - [Top Goals to Start Saving for Today](https://payactiv.com/financial-learning/top-goals-to-start-saving-for-today/) - If you can save three months of expenses in an emergency fund, you can save for anything. Automate, automate, automate! Set money aside with the Payactiv VisaⓇ Card*. There are so many great savings goals to choose from. Transportation, weddings, education, and a side business are just a few of our favorites. When starting your - [The Best Way to Save Money? Pay Yourself First](https://payactiv.com/financial-learning/the-best-way-to-save-money-pay-yourself-first/) - Are you frustrated with the constant struggle of making ends meet and never feeling like you're making progress financially? You're not alone. A great way to break the cycle and build a more secure financial future is to pay yourself first. This powerful financial technique prioritizes your savings and investments when creating your budget. But - [How to Fix Your Credit Score With the Help of a Financial Coach](https://payactiv.com/financial-learning/how-to-fix-your-credit-score-with-the-help-of-a-financial-coach/) - Payactiv members can access financial coaching services through the free Payactiv app. Financial coaches can help you improve your credit score, teach you how to manage your credit cards and determine the best debt payoff strategies for your unique circumstances. Happy Financial Literacy Month! Financial literacy is an important skill that can help you make - [Honoring Our Heroes: Financial Tips for Veterans and Active Military Members](https://payactiv.com/financial-learning/honoring-our-heroes-financial-tips-for-veterans-and-active-military-members/) - Being a member of the military comes with a unique set of cultural norms and lived experiences. It also comes with different financial concerns and management skills than civilians need. Payactiv honors your service and sacrifice with tools to help you reach the financial success you deserve. Watch Out for Financial Predators As a military - [5 Tax Season Tips for 2023](https://payactiv.com/financial-learning/5-tax-season-tips-for-2023/) - Remember to file your taxes, even if you don't believe you owe any money. Save $15 on TurboTax’s e-filing service when you create a Payactiv account. This year, you might see some changes if you have children, are self-employed, or received a peer-to-peer payment of more than $600. Taxpayers, business owners, and self-employed individuals looking - [Work Your Way: How a Flexible Culture Can Keep Your Employees Happy and Productive](https://payactiv.com/blog/work-your-way-how-a-flexible-culture-can-keep-your-employees-happy-and-productive/) - When it comes to financial wellness, employers show a concerning gap between knowledge and execution. 98% of HR leaders believe financial education and counseling are essential, and only 26% of businesses currently have a program/initiative to improve employee financial wellness. Helping your employees achieve financial wellness isn’t just the right thing; it speaks directly to - [Why Employers Should Focus On Employee Financial Wellbeing](https://payactiv.com/blog/why-employers-should-focus-on-their-employees-financial-health/) - Helping your employees better manage their finances is often a low-cost endeavor that yields outsized results for both workers and their companies. - [Payactiv Partners with ADP for Timely Wage Access](https://payactiv.com/press/payactiv-joins-adp-marketplace-to-provide-workers-with-timely-access-to-earned-wages/) - Integration enables ADP clients to help employees better manage finances San Jose, Calif. – July 25, 2018 – PayActiv, a provider of employment-based holistic financial wellness services, has joined the ADP® Marketplace, the HCM industry’s preeminent ecosystem for business applications that can potentially reach over 600,000 employers representing approximately 26 million employees, to offer its - [Stay Ahead of Scammers: Your Ultimate Guide to Financial Fraud Prevention](https://payactiv.com/financial-learning/stay-ahead-of-scammers-your-ultimate-guide-to-financial-fraud-prevention/) - Protect yourself from financial fraud by securing your finances using unique passwords and multi-factor authentication. Watch out for common 2023 scams, like online dating scams, money transfer scams, and fake customer service numbers featured in search engine results. Be vigilant in reviewing your financial statements to identify and report fraud when it happens. Fortunately, there - [Smart Financial Strategies for Taking Care of Your Aging Parents](https://payactiv.com/financial-learning/smart-financial-strategies-for-taking-care-of-your-aging-parents/) - Aging in America is expensive. Fortunately, you can start saving for your parents’ care now using tools like SmartSave. You’ll want to start having difficult conversations with your parents about their finances and end-of-life wishes while they’re still healthy enough to have them. Remember that your parents' assets might be held against them when accessing - [Retirement Planning 101: It's Never Too Early or Too Late to Start Building Your Nest Egg](https://payactiv.com/financial-learning/retirement-planning-101-its-never-too-early-or-too-late-to-start-building-your-nest-egg/) - You don’t need an employer-sponsored plan to save for retirement. Don’t allow a fear of the stock market to keep you from investing for long-term goals. It’s never too late to start saving for retirement. In fact, the older you are, the more money the IRS allows you to invest. Planning for retirement can feel - [Mastering Student Loans: Your Go-To Guide for Financial Success](https://payactiv.com/financial-learning/mastering-student-loans-your-go-to-guide-for-financial-success/) - Standard and graduated repayment plans are usually the cheapest ways to pay off federal student loans. Income-driven repayment plans can help lower your monthly payments but will be more expensive over time. If you want to pay off your student loans early, take advantage of the budgeting and saving tools that come with the Payactiv - [A Financial Wellness Guide for Back-to-School Season](https://payactiv.com/financial-learning/a-financial-wellness-guide-for-back-to-school-season/) - Use tools like SmartSpend to see which portion of your discretionary budget you can safely spend on back-to-school supplies. Shop smarter by using student discount programs, looking for sales, understanding return policies, and being aware of potential tax savings. If you want a more expansive budget for the 2024 back-to-school season, use a tool like - [Babies, Budgets, and Beyond: How to Get Your Finances in Order for Your Growing Family](https://payactiv.com/financial-learning/babies-budgets-and-beyond-how-to-get-your-finances-in-order-for-your-growing-family/) - When you’re growing your family, it can be an exciting yet stressful time. Luckily, there are strategies, programs, and tools at your disposal to help you along the way. Brush Up Your Budgeting Skills If you’re not budgeting yet, we recommend you start, especially as a parent. It’s hard to reach any specific financial goals - [7 Steps to Mastering the Emotional Side of Money Management](https://payactiv.com/financial-learning/7-steps-to-mastering-the-emotional-side-of-money-management/) - The term “financial stress” means something different to everyone. For some, financial problems involve having too much credit card debt or being unable to afford an annual vacation. For others, it’s the inability to pay rent or put food on the table for one’s family. Whatever your circumstances, financial worries can wear you down physically - [The Importance of Socially Responsible Business Practices in Employee Benefits](https://payactiv.com/blog/the-importance-of-socially-responsible-business-practices-in-employee-benefits/) - Businesses that take corporate social responsibility seriously and integrate it into their benefits packages can win employee loyalty and develop a market reputation that catches potential hires’ attention. Organizations can engage employees in CSR initiatives through their employee benefits packages in multiple ways, including volunteering opportunities, payroll donations, reimbursement for worthy causes, on-demand pay arrangements, - [Breaking the Pay Barrier With a Modern Pay Experience](https://payactiv.com/blog/breaking-the-pay-barrier-with-a-modern-pay-experience/) - Between one and two-thirds of today’s racial pay gap can be attributed to “unobservable” factors such as discrimination. Offering workers pay accessibility and immediacy is one easy-to-implement way to introduce a more modern, fair, and equitable pay experience. For several decades, there’s been much said, written, and legislated concerning the gender pay gap, which compares - [Payactiv Eliminates Access Fees for Earned Wage Access](https://payactiv.com/press/payactiv-transforms-earned-wage-access-by-eliminating-access-fees) - San Jose, CA, June 30, 2022 – Today, Payactiv, Inc., a certified B Corp and the leader in Earned Wage Access (EWA), announced the elimination of EWA access fees, making several of Payactiv's delivery options, including ACH, completely free. Payactiv had previously waived its fees in 2020 during the onset of the COVID-19 global pandemic, and now, - [Payactiv Partners with Walmart for Cash-Based Earned Wages](https://payactiv.com/press/payactiv-announces-walmart-as-destination-to-pick-up-cash-based-earned-wages/) - New service enables any PayActiv user to receive their earned wages before payday via cash at any Walmart across the country. San Jose, Calif. – Oct. 25, 2018 – PayActiv, the leading provider of employment-based holistic financial wellness services, is announcing the availability of cash access of earned wages at any Walmart for PayActiv employee - [OnShift & Payactiv Remove Fees for Earned Wage Access](https://payactiv.com/press/onshift-and-payactiv-eliminate-fees-for-earned-wage-access-to-further-support-the-senior-care-workforce/) - OnShift Wallet, powered by Payactiv, now offers employees no-cost access to earned wages before payday and new financial wellness tools Cleveland, OH – October 5, 2022 – OnShift, a leader in human capital management software for post-acute care and senior living, in partnership with Payactiv, the leading earned wage access and financial wellness platform today announced they are waiving standard - [Credit Reports and Credit Scores 101](https://payactiv.com/financial-learning/credit-reports-and-credit-scores-101/) - Everyone should take time to educate themselves about their credit score. Your credit report and credit score may not seem significant on a day-to-day basis, but together, they're one of the most influential parts of your financial life, determining what you pay when you borrow money and if you're able to borrow at all. If - [Payactiv Wins
Best Wellness Program Award](https://payactiv.com/blog/payactiv-wins-best-wellness-program-award/) - We are thrilled to announce Payactiv has been awarded the “Best Wellness Program” at the California Excellence HR Awards. The award was announced during the annual HR West Conference held in Oakland, CA on March 8-9, 2022. Payactiv is honored to be a part of the HR West's 17-year history of connecting with HR.com’s expansive - [Absenteeism: Flexible Shift Scheduling is Key](https://payactiv.com/blog/is-absenteeism-a-problem-you-need-more-flexible-shift-scheduling/) - On average, shift workers in the US cost companies around $2,660 in excess absenteeism costs every year. Shift workers and deskless workforce bear the brunt of short notice shift changes and committing to a working roster that may not fit their personal life. Shift work, in its nature, may change week by week but, understandably, - [Boosting Financial Wellness for Frontline Staff](https://payactiv.com/blog/improving-financial-wellness-for-your-frontline-workers-with-sabina-bhatia/) - Payactiv Chief Customer Officer, Sabina Bhatia, joins host, Rob Parsons, on the PULSE podcast by Paychex. The podcast shares insightful strategies on how to empower and sustain the heart of your organization in today’s workforce dynamics. This week, Sabina and Rob discuss the importance of holistic financial wellness for employees, the gig economy, and much - [How to Boost the Productivity of Your Deskless Employees](https://payactiv.com/blog/how-to-boost-the-productivity-of-your-deskless-employees/) - The deskless workforce often finds themselves overlooked when it comes to interest in their engagement, but it soon becomes a problem when a lack of engagement leads to reduced productivity. Departmental managers and HR need to work together and combine the right tools and the right approaches to foster productivity in your deskless teams. Disconnection - [What Does "Maximum Refund Guarantee" Really Mean When Filing Your Taxes?](https://payactiv.com/financial-learning/what-does-maximum-refund-guarantee-really-mean-when-filing-your-taxes/) - If you turn on the TV any time between January 1st and April 15th, there’s a good chance you’ll watch a few commercials about tax preparation. Companies like TurboTax, H&R Block, TaxSlayer, and others love to say, “We guarantee your maximum refund!”. But what is a maximum refund? Does using these companies mean running the - [Save Up to $15 on TurboTax and Get Your Refund Faster With Payactiv](https://payactiv.com/financial-learning/save-up-to-15-on-turbotax-and-get-your-refund-faster-with-payactiv/) - It’s tax season, that time of the year when we gather all of our financial information from the last year to see if we owe the IRS or, even better, get a refund. No matter how you’ve handled your taxes in the past, it’s a good idea to consider the best way to do your - [The Importance of Customizing Employee Benefits to Meet the Needs of Your Veteran Employees](https://payactiv.com/blog/the-importance-of-customizing-employee-benefits-to-meet-the-needs-of-your-veteran-employees/) - Veterans bring valuable qualities to any organization. Employees with military backgrounds often have different sets of needs and expectations. A customized employee benefits strategy can attract veterans and help them grow and develop. Thousands of US citizens transition from military careers to civilian life every year. Many seek out new careers in the general workforce. - [Improve Retail Employee Value Proposition](https://payactiv.com/blog/retail-employers-can-improve-their-employee-value-proposition-this-holiday-season-heres-how/) - The Great Resignation continues unabated; currently, one in five employees says they plan to switch jobs next year. Even companies that were once considered ideal job destinations are feeling the impact of this trend. A recent study shows the average tenure of a Google employee is only 1.3 years, making them one of the top - [Digital Wallet Wins at American Business Awards](https://payactiv.com/blog/payactiv-digital-wallet-wins-big-at-20th-annual-american-business-awards/) - We are honored to announce Payactiv’s Silver Stevie® Award win for our “All-in-One Digital Wallet and Livelihood Platform” in the FinTech Solution category. The award will be celebrated during an awards banquet on Monday, June 13 at the Marriott Marquis Hotel in New York. It will also commemorate the first award banquet since 2019 at - [Most Socially Responsible Company of the Year](https://payactiv.com/blog/2021-best-in-biz-award/) - We’re thrilled. We’re humbled. Payactiv is a silver winner in the “Most Socially Responsible Company of the Year” category by Best in Biz Awards. This award strengthens our resolve and reaffirms our mission to serve the needs of the +80 million U.S. workers toiling in lower-wage jobs. These are our people. They earn a median - [How Credit Card Interest Works - Part 3](https://payactiv.com/financial-learning/how-credit-card-interest-works-part-3/) - Let’s make sense of your credit card bill. Financial Expert Eric Roseburg shares some tips for how to use your credit card responsibly and how to calculate your monthly interest rate. Watch the video or read the transcript to follow. Watch How Credit Card Interest Works - Part 1 Watch How Credit Card Interest Works - [How Credit Card Interest Works - Part 2](https://payactiv.com/financial-learning/how-credit-card-interest-works-part-2/) - Trying to get to the bottom of your credit card bill? We’ve got you covered. Financial expert Eric Rosenberg shares some tips for how to use your credit card responsibly and how to calculate your monthly interest rate. Watch the video or read the transcript to follow. Eric Rosenberg: Hey, everyone. Welcome back for part - [Payactiv Wins Gold at 2022 Anthem Awards](https://payactiv.com/blog/payactiv-wins-gold-at-2022-anthem-awards/) - We are thrilled to announce Payactiv has been awarded the gold medal at the inaugural 2022 Anthem Awards for the Best Service with an impact on Diversity, Equity, & Inclusion. The Anthem Awards, the Webby Awards newest initiative, was developed to recognize the breadth of social good work (online and offline) around the globe by - [Empowering Your Night Shift Employees with Financial Wellness](https://payactiv.com/blog/empowering-your-night-shift-employees-with-financial-wellness/) - Employees working night shifts can suffer from various physical and mental health issues. Most US workers, including night shift workers, struggle with increased financial stress. Employers are introducing flexible shift scheduling and offering valued night shift workers holistic health and financial wellness programs. Today more than 15 million Americans work night shifts. Employees working these - [ Ready to Roll: A Step-by-Step Guide to Saving for Your First Car](https://payactiv.com/financial-learning/ready-to-roll-a-step-by-step-guide-to-saving-for-your-first-car/) - Use Payactiv’s SmartSpend and SmartSave features to figure out how much car you can afford and save for it. KOFE financial coaching can help you get your credit in shape before you purchase a car to take advantage of the lowest interest rates. You’ll also want to budget for other expenses, like financing and documentation - [5 Essential Money Tips for Young Adults](https://payactiv.com/financial-learning/5-essential-money-moves-for-young-adults/) - Adulthood comes with exciting new freedoms and some financial responsibilities. The most important money tip for young adults is that creating good habits at a young age will set you up for financial success. After you have the basics down, keep furthering your education around budgeting, saving, and investing. Welcome to adulthood! While there are - [4 Ways Payactiv Can Help You Budget for Childcare This Summer](https://payactiv.com/financial-learning/4-ways-payactiv-can-help-you-budget-for-childcare-this-summer/) - Summer is here. While a break from school projects and homework can be a relief for both parents and kids, many working parents are faced with a new challenge—how to budget for childcare over the summer. With inflation rising, nearly everything is more expensive, giving parents added concern about affording hefty childcare costs. Fortunately, you - [A Brief on Employee Experience vs. Employee Engagement](https://payactiv.com/blog/a-brief-on-employee-experience-vs-employee-engagement/) - While delivering a stellar customer experience will build a brand and boost profit margins, no business leader should underestimate the impact that happy people have on the success of their company. Angela Ahrendts, former senior vice president of retail at Apple Inc., summed it up best with these words: “Everyone talks about building a relationship - [How to Get Your Side Hustle to Pay Your Bills](https://payactiv.com/financial-learning/how-to-get-your-side-hustle-to-pay-your-bills/) - One of the most popular ways to grow your income today is with a side hustle. A side hustle is a part-time business you run on your own outside of a full-time job. This isn’t a second job. It is a part-time business where you’re the boss. Here’s a look at how side hustles work, - [Introducing Goal-Based Savings for Any Budget](https://payactiv.com/financial-learning/introducing-goal-based-savings-for-any-budget/) - When you were a kid you might have had a piggy bank or an old jar where you stashed your spare coins. Depending on what you were saving for, you might have even put money for one goal in a single container and money for a different goal in another, making it easy to know - [Cost of Waiting for Paycheck](https://payactiv.com/infographics/cost-of-waiting-for-paycheck/) - [Payactiv Impact 2018](https://payactiv.com/infographics/payactiv-impact-2018/) - [A Workforce Wounded by COVID-19](https://payactiv.com/infographics/a-workforce-wounded-by-covid-19/) - PayActiv surveyed 12,000 employees across 955 businesses to demonstrate the thin lifeline most hourly workers walk, and what happens when that lifeline snaps. - [Why It’s Important to Set Savings Goals](https://payactiv.com/financial-learning/why-its-important-to-set-savings-goals/) - We all have big financial dreams. Maybe yours is buying a new car, going on vacation, buying a home, or sending kids to college. These are admirable goals, but they’re not cheap. Setting a savings goal is essential to making your most expensive financial dreams a reality. You Can’t Achieve a Goal You Never Set - [Caring for Employees is Good Business](https://payactiv.com/videos/caring-for-employees-is-good-business/) - Watch this micro-documentary featuring our customer, Lee’s Famous Recipe Chicken. Henry Loving saw the news about PayActiv and thought, “Wow! What a great idea!” He just wanted to take good care of his employees so they could take good care of the customers. Living from paycheck to paycheck is stressful, but once Henry offered them PayActiv, - [The Best Benefit to Address the Manufacturing Talent Shortage](https://payactiv.com/blog/the-best-benefit-to-address-the-manufacturing-talent-shortage/) - The role of manufacturing in powering the economy can’t be understated. The manufacturing sector is expected to have 2.1 million unfilled jobs by 2030. To mitigate the impact on your operations and combat the manufacturing talent shortage, consider implementing employee financial wellness into your benefits package. Long-time president, chairman, and CEO of General Motors Alfred - [5 Tips for Lowering Your Debt in the New Year](https://payactiv.com/financial-learning/5-tips-for-lowering-your-debt-in-the-new-year/) - It’s easy to roll your eyes at the idea of a New Year’s resolution. But here’s a statistic that might make you think twice: The average American household’s credit card debt is over $9,000. If you carry a similar balance, you might be piling on $1800 in interest! Student loans, payday loans, and other high-interest - [Budgeting 101: Understanding Where Your Money Goes](https://payactiv.com/financial-learning/budgeting-101-understanding-where-your-money-goes/) - Creating a monthly budget will help you stick to a consistent spending pattern that sets you up for long-term financial freedom. Learn about the basics of budgeting via our easy-to-follow example. Read through our budgeting best practices and some of the most common pitfalls to avoid as you build your budgeting proficiency. Some people cringe - [How Small Purchases Cost You Big Time in the Long Run](https://payactiv.com/financial-learning/how-small-purchases-cost-you-big-time-in-the-long-run/) - Do you love a stop at the coffee shop on the way to work every morning? Or maybe you like to go out for lunch every day during your break? It may only feel like a few dollars here and there, but “inexpensive” habits add up quickly. What costs you a few dollars per day - [How to Grab That Promotion At Work](https://payactiv.com/financial-learning/how-to-grab-that-promotion-at-work/) - Are you hungry for a promotion at work? A promotion could be a quick path to more pay, responsibility, autonomy at work. While a big raise is always preferred, even a small pay increase can add up to a lot over a month or a year. Own Your Current Responsibilities To set yourself up for - [Financial Checklist for Single Moms](https://payactiv.com/financial-learning/financial-checklist-for-single-moms/) - Author Lisa Alther summarized it best when she said, “Any mother could perform the jobs of several air traffic controllers with ease.” Managing work and raising kids can feel like the world's greatest juggling act for single moms. Tossing in a bowling ball illustrates the pressure of staying on top of finances on one income - [How to Set Up Direct Deposit With Payactiv](https://payactiv.com/financial-learning/what-is-direct-deposit-how-to-set-it-up-within-your-payactiv-account/) - If you're wondering what Direct Deposit is, and how to set it up with Payactiv, you came to the right place. Direct deposit is when money moves electronically into your bank account rather than through a physical, paper check. According to DirectDeposit.org, “Direct Deposit is the way 96% of American workers get paid, and 95% - [How a $1 Pay Increase Can Impact Your Lifetime Earnings](https://payactiv.com/financial-learning/how-a-1-pay-increase-can-impact-your-lifetime-earnings/) - Around 60% of all workers in the United States earn an hourly wage. While it may seem like the only way to earn more is to work more, that’s not the case. Today's competitive hiring environment may just help you increase your hourly income. Here’s a look at how a $1 raise could impact your - [How to Spend Less by Ignoring the Joneses](https://payactiv.com/financial-learning/how-to-spend-less-by-ignoring-the-joneses/) - When the people in our lives get the latest iPhone, shoes, car, or tech gadget, it can be easy to feel left behind. We live in the age of influencers and viral TikTok trends. So the list of things we need to buy to feel included can be endless. We've all fallen down this spiral - [5 Tips for Spooky Savings This Halloween](https://payactiv.com/financial-learning/5-tips-for-spooky-savings-this-halloween/) - From the comical influx of pumpkin spice products to the social pressure you might feel to take your significant-other apple picking, fall has become a highly commercialized season, and its high point culminates on October 31st, a.k.a., Halloween. While there’s lots of fun to be had in the fall, by the time you get to - [3 Reasons Why You Should be Saving for the Holidays Now](https://payactiv.com/financial-learning/3-reasons-why-you-should-be-saving-for-the-holidays-now/) - While the holidays should be a time of excitement, joy, and magic, the toll they take on your bank account sometimes feels anything but charming. But it doesn’t have to be that way. It’s possible to celebrate the holidays plus treat your loved ones (and yourself) to unique gifts and experiences without draining your savings. - [How to Avoid the "Holiday Debt Hangover"](https://payactiv.com/financial-learning/how-to-avoid-the-holiday-debt-hangover/) - In this Holiday Financial Learning lesson, we’ll cover… How to plan for holiday costs, both expected and unexpected. Why it pays to pay with cash or a debit card. Simple tips for cutting down on everyday expenses. There’s magic in the air during the holidays and money to be spent. Between gifts, family get-togethers, office - [How to Maximize the Value of Your Employer Benefits Package](https://payactiv.com/financial-learning/how-to-maximize-the-value-of-your-employer-benefits-package/) - Key points: Understand the difference between 401k, Roth, and IRA Choose the health insurance plan that is right for you Inquire about financial wellness benefits like Earned Wage Access (EWA) Be honest: Do you completely understand your employer’s benefits package? No worries, most people don’t. But learning the ins and outs of health insurance, retirement - [Advantages and Disadvantages of Borrowing Money from Family](https://payactiv.com/blog/advantages-and-disadvantages-of-borrowing-money-from-family/) - At some period in their lives, most people find themselves in tight financial circumstances that cause them to consider borrowing money from relatives to tide them over. Often, this happens when the individual is faced with unforeseen situations such as the loss of a job, unexpected healthcare costs, or a broken-down vehicle. Holidays are often - [12 Budgeting Tips for Beginners for Every Financial Situation](https://payactiv.com/financial-learning/9-budgeting-tips-for-every-financial-situation/) - Budgets aren't a one-amount-fits-all thing. Every situation is unique and needs a budget that fits that particular set of circumstances. - [Savvy Financial Advice for Young Adults](https://payactiv.com/blog/financial-planning-tips-for-young-adults/) - The best time to start budgeting and planning for your financial future is, well, yesterday. Young adults can be especially lax when it comes to planning and budgeting. Though it seems like they have long to go before they need to have a set plan, this isn't the case. According to a recent analysis, by - [Why is Teens Need Financial Literacy Before Their First Job](https://payactiv.com/financial-learning/why-teens-need-financial-literacy-by-their-first-job/) - Money management and teens don't usually go together, but with a little financial literacy, they can have a happy relationship. - [What Benefits of Employee Wellness Should be Prioritized?](https://payactiv.com/blog/which-employee-wellness-benefits-to-prioritize/) - Employee wellness has never been more crucial for businesses of every kind. If you have to prioritize only a few wellness benefits, these should be the ones. - [29 Words and 1 Essential App](https://payactiv.com/blog/29words-1-essential-app/) - You spoke, we listened. Thank you. Our app is a response to the pressing needs of millions of Americans. Making it easily the most extensive and easy to use digital wallet. - [Accessing Uber with Earned Wages](https://payactiv.com/blog/payactiv-and-uber-get-to-work-for-workers-who-want-to-do-the-same/) - Employers who offer PayActiv benefits can help the unbanked and paycheck-to-paycheck workers because PayActiv has partnered with Uber to serve them. - [Everything You Should Know About Employee Financial Wellness Program](https://payactiv.com/blog/everything-you-should-know-about-employee-financial-wellness-programs/) - Are you curious about everything you should know about employee financial wellness programs ? Find out what you should know here! - [Sabina Bhatia on Insert: Human
“Serving the Essential Workers”](https://payactiv.com/blog/sabina-bhatia-on-inserthuman-serving-the-essential-workers/) - “The US is the richest country in the world, and in that country you have a third world country sitting there.” - Sabina Bhatia Listen to the full interview here or read below. Sabina Bhatia, Payactiv’s Chief Customer Officer, joins Chris Colbert’s Insert:Human podcast to discuss serving the essential workers, what Payactiv is, how our - [What Does an Aging Workforce Need?](https://payactiv.com/blog/what-does-an-aging-workforce-need/) - Medical advances mean that people are living longer and working longer. While many employees decide to work beyond the average retirement age to continue to enjoy the pay and benefits of their job, as well as the intellectual stimulation and sense of accomplishment it gives them, others may be working longer out of necessity. Looking - [The Best Budgeting Strategies for 2021](https://payactiv.com/financial-learning/the-best-budgeting-strategies-for-2021/) - Looking for the right way to set up your 2021 budget? Read our guide to learn the best budgeting tips to make your year a success. - [Improving Diversity, Equality, and Inclusion with EWA](https://payactiv.com/blog/earned-wage-access-the-bridge-to-dei/) - More companies are investing in Diversity, Equality, and Inclusion (DEI) initiatives to better engage with their employees and allow them to unleash their full potential – without being held back by any cultural or operational barriers. So, what do DEI initiatives do? Essentially, they’re focused on removing the hidden biases people often have that can - [National Customer Service Week: A Thank You to Those Who Answer The Call](https://payactiv.com/blog/national-customer-service-week-a-thank-you/) - October 4-8, 2021, is National Customer Service Week and we’d like to recognize a group of workers that often fly under the radar. Their days involve interacting with unhappy customers. They get yelled at. Their conversations are measured down to the second. They solve problems all day and too often no one remembers to say thank - [How to Avoid Credit Card Traps](https://payactiv.com/blog/credit-card-trap/) - Credit cards can be a double-edged sword. On the upside, credit cards are a convenient way to pay for goods and services on the spot, especially if you’re low on cash. However, it’s all too easy to reach for them to pay for that new pair of shoes you spot in the store window, an - [A Winning Week with UKG: Partnerships, Awards, and Las Vegas](https://payactiv.com/blog/winning-week-with-ukg-partnerships-awards-las-vegas/) - What a week it was: We debuted the UKG Wallet powered by Payactiv, won an award as UKG’s Collaborator of the Year, and met many of UKG’s best clients at UKG’s vibrant Vegas show. Driving the news, UKG has partnered with Payactiv to usher in a new generation of financial wellness with the UKG Wallet. - [Payactiv Is a Finalist for the 2021 BAI Global Innovation Award](https://payactiv.com/blog/payactiv-2021-bai-global-innovation-award/) - We were named a finalist in the “Human Capital” category for the prestigious 11th Annual 2021 BAI Global Innovation Awards. And that’s almost enough for us -- to be recognized for our tireless efforts to promote such a beautiful and limitless phrase, human capital. After all, our mission at Payactiv is to build stability for - [Thankful for a Great 2021:
8 Awards in 1 Landmark Year](https://payactiv.com/blog/thankful-for-a-great-2021-8-awards-in-1-landmark-year/) - The end of the year is a great time to reflect on everything that happened and appreciate the journey that brought us here. And what a year it’s been for Payactiv! In 2012, Payactiv invented Earned Wage Access (EWA). Our goal was to help bridge the gap between financial wellness for millions of workers living - [Why Flexible Scheduling is Critical for Today's Workforce](https://payactiv.com/blog/why-flexible-scheduling-is-critical-for-todays-workforce/) - Why Flexible Scheduling is Critical for Today's Workforce A recent survey by O.C. Tanner Institute found that "89% of employers think employees leave because of money when only 12% actually do." This points to a disparity between what employers believe their people want and what employees actually want. Today, your people – and prospective recruits - [Why Every Company Needs an Employee Communication App](https://payactiv.com/blog/employee-communication-app/) - Many businesses mistakenly believe that communicating with their employees via old-school, one-way channels such as emails and noticeboards is sufficient. As consumers, we’ve all come to depend on our mobile devices to interact with friends, family, and service providers. Now, mobile technology has made its way into the realm of employee experience. Given that today, - [How to Offer More When Your HR Budget Is Maxed Out](https://payactiv.com/blog/how-to-offer-more-when-your-hr-budget-is-maxed-out/) - Attracting and retaining quality employees is an ever-present pain point for HR departments. Another is staying on budget while keeping employees on board. In one survey, only 21% of hiring professionals reported staying on budget. It’s important to manage budgets effectively, but this can be difficult when you have employees to satisfy and business goals - [How to Recruit and Retain Manufacturing Industry Employees](https://payactiv.com/blog/how-to-recruit-and-retain-manufacturing-industry-employees/) - Since its early roots during the Industrial Revolution in the 19th century – where raw materials were transformed into finished goods – the manufacturing industry has featured prominently in most global economies. Today, the manufacturing industry produces everything from aircraft, ships, and automobiles to chemicals, clothing, and refined petroleum products. Those working in this sector - [How to Win the Retail Worker Recruitment Race](https://payactiv.com/blog/how-to-win-the-retail-worker-recruitment-race/) - Did you know that consumer spending is responsible for about 70% of the nation's economic activity, and the retail industry employs more people than any other business sector? On the surface, that might make you think that companies in the retail sector are in a sweet spot – but that’s not necessarily the case right - [How to Reach Long-Term Money Goals in Three Steps](https://payactiv.com/financial-learning/how-to-reach-long-term-money-goals-in-three-steps/) - Money goals are vital to financial wellness, whether it's debt freedom, buying a forever home, or building up a savings account. - [How Credit Cards Can Help or Hurt Your Credit](https://payactiv.com/financial-learning/how-credit-cards-can-help-or-hurt-your-credit/) - When you go to the grocery store, shop online, or spend money anywhere else, you probably have a few options for how to pay. You can use cash, a debit card, a reloadable prepaid card like the Payactiv Visa Card*, or a credit card. Debit cards are the most popular way to pay in the - [Tax Brackets 101: How Your Taxes are Calculated](https://payactiv.com/financial-learning/tax-brackets-101-how-your-taxes-are-calculated/) - One of the most important tax-related concepts is tax brackets. Tax brackets are a system used by the Internal Revenue Service (IRS) when calculating your annual income taxes. The amount you owe depends on your income, marital status, household size, and other important factors. Let’s take a closer look at how tax brackets work so - [Do These Two Things to Build Better Credit](https://payactiv.com/financial-learning/do-these-two-things-to-build-better-credit/) - When you apply for a credit card, mortgage, car loan, or even a new cell phone account, there’s a good chance your credit score will play an essential role in the signup process. Credit scores and credit reports are vital tools lenders and other companies use to assess how likely you are to pay back - [How Credit Card Interest Works - Part 1](https://payactiv.com/financial-learning/how-credit-card-interest-works-part-1/) - Wondering how credit card interest works? You came to the right place. Financial expert Eric Rosenberg sheds light on common questions related to credit cards. Watch the video or read the transcript to follow or continue to “How Credit Card Interest Works - Part 2”. Eric Rosenberg: Hello, my name is Eric Rosenberg, and I'm - [Everything You Need To Know About 50/30/20 Budgeting](https://payactiv.com/blog/50-30-20-budgeting/) - In this article, we'll explore how the 50/30/20 budgeting rule can help you reach your financial goals. - [Integrity Staffing’s Podcast Highlights](https://payactiv.com/blog/integrity-staffings-podcast-highlights-payactiv/) - PayActiv’s VP of Strategic Business Development joins Integrity Staffing for a podcast that tells you everything you want to know about earned wage access and why your workers need it now, more than ever. - [Help Your Employees Say Goodbye to 2020](https://payactiv.com/infographics/help-your-employees-say-goodbye-to-2020/) - This holiday season will be more challenging than ever. Give the gift of Earned Wage Access. - [10 Years On Consumer Debt Doubles](https://payactiv.com/infographics/10-years-on-consumer-debt-doubles/) - Living paycheck to paycheck forces many hourly workers to take on credit to make ends meet. ## Pages - [Payactiv: Bringing Financial Wellness and Freedom to All](https://payactiv.com/) - An all-inclusive Financial Wellness platform. Learn how Earned Wage Access and our suite of tools can make a real impact on your employees' Financial Wellness. - [Card411](https://payactiv.com/card411/) - Payactiv Cardholder Agreements and Fee Schedules Prepaid Card Program Name Cards Starting With Cardholder Agreement Fee Schedule Payactiv Visa® Prepaid Card 4124 2110 1 4124 2110 3 Payroll Card Program Name Cards Starting With Cardholder Agreement Fee Schedule Payactiv Visa® Payroll Card 4164 9001 0 Restricted Load Payactiv Visa® Payroll Card 4164 9000 0 UKG - [Request a Demo](https://payactiv.com/request-demo/) - Request a Demo Let’s work together Get in touch to request a demo for your company. We’re looking forward to showing you how our platform can benefit your employees and help reduce turnover, increase engagement and improve productivity at your organization. Support: + (877) 937-6966 - [Program Pricing](https://payactiv.com/program-pricing/) - Pricing As a Certified B Corp and Public Benefit Corporation, we are dedicated to giving you transparent and fair pricing.(The following applies to our Payactiv program and our affiliated programs: UKG Wallet and OnShift Wallet) EWA Disbursement Type† Fee ACH bank transfer (1-3 business days)Uber Rides / Amazon Load / Bill payFinancial counseling, saving tools, - [Awards](https://payactiv.com/awards/) - Awards & Recognition Payactiv’s vision is simple—bring financial security, dignity, and savings to the millions experiencing financial stress. We believe that building a financial technology business requires more than great technology and amazing design. It requires a profitable yet socially-responsible business model and a deep commitment to improving the lives of our users. As a - [Get help from our 24/7 live customer support.](https://payactiv.com/get-help/) - 24/7 live customer support from Payactiv Open a support ticket with our Service Team Name Email Phone Company Name Message *These fields are required. Thank you! Your message has been received and our team will get back to you soon. Get live support 24×7 Live chat Loading Call us toll-free1 (877) 937-6966For International Customer Service:1 - [Pay On Demand with Paychex, powered by Payactiv](https://payactiv.com/paychex/) - Get Pay on Demand, powered by Payactiv Unlock Pay On Demand Create your free Pay on Demand account to access the money you have already earned to pay bills, avoid late and overdraft fees, and take control of your finances. Get Started EARNED WAGE ACCESS Your money, when you need it After every day you work, - [Trust Center](https://payactiv.com/trust-center/) - Trust Center Complying with the law and keeping your data safe are our top priorities. Our earned wage access program is compliant with local, state and federal regulations, and our security and data protection measures are designed to keep your data safe and protected.Find the information you need on security, compliance, regulations, privacy, and data - [UO-TV Giveaway Terms and Conditions](https://payactiv.com/ukg-wallet/uo-giveaway) - URBAN OUTFITTERS BIG SCREEN GIVEAWAY SWEEPSTAKESOfficial RulesNO PURCHASE OR OBLIGATION NECESSARY TO ENTER OR WIN THE SWEEPSTAKES.A PURCHASE DOES NOT INCREASE YOUR CHANCES OF WINNING. NON-PURCHASE ENTRIES AND PURCHASE ENTRIES HAVE AN EQUAL CHANCE OF WINNING.SWEEPSTAKES TIMING: The Urban Outfitters Big Screen Giveaway Sweepstakes (the “Sweepstakes”), which is being held on the UKG Wallet mobile app - [Tu Salario Hoy](https://payactiv.com/a/darden-spanish) - English Accede a una parte de tu salario en tiempo real cuando lo necesitas. Accede a una parte de tu salario en tiempo real cuando lo necesitas. En Darden, ofrecemos salarios competitivos que aumentan a medida que creces con la empresa. Cuando trabajas en una posición no basada en propinas¹, puedes utilizar la aplicación gratuita - [Pay On Demand with Paychex, powered by Payactiv, for clients](https://payactiv.com/partners/paychex) - Offer Pay on Demand, powered by Payactiv Pay on Demand is here Offer your employees the popular pay on demand benefit so they can access their pay when they need it. By having the funds to better manage expenses, employees feel more confident on the job and trust that their financial wellness is important to - [News](https://payactiv.com/news/) - News April 22, 2026 FTA Announces Payactiv as Newest Member The Financial Technology Association (FTA) today announced that leading earned wage access (EWA) provider Payactiv has joined its membership. Payactiv serves more than 5 million American workers by providing access to their already-earned wages, bridging the gap between payday and when bills or expenses come - [Developers](https://payactiv.com/developers/) - DEVELOPER HUB Build on Payactiv Financial Worktech Infrastructure Grow revenue with modular APIs that power fast-to-launch Earned Wage Access (EWA), cards, payouts, and financial wellness services under your brand. Get started Log in to dev portal Plug-and-play API for rapid deployment​ Customizable under your brand​ Expandable to debit cards, payments, savings, gift cards & more​ - [Compliance Handbook](https://payactiv.com/trust-center/compliance-handbook) - HANDBOOK Compliance First: Why Payactiv is the EWA Leader Last updated April 24, 2025 Table of Contents ONE Introduction to Payactiv This Handbook details why Payactiv is the EWA gold standard: it is the safest, most consumer friendly EWA provider in the market, it provides two ways for users to access their earned wages for - [Payactiv for Money Network](https://payactiv.com/payactiv-for-money-network/) - IN PROUD PARTNERSHIP WITH MONEY NETWORK Offering engaging financial wellness solutions together Help businesses compete for talent with holistic financial wellness solutions. Partner with the leading Earned Wage Access provider to unlock success for you and your clients. Submit a Lead View Sales Material Why Payactiv Pioneers of Earned Wage Access (EWA) Trusted Award Winning - [Developers Home](https://payactiv.com/developers-home/) - Build financial solutions on Payactiv API platform. Build earned wage access, card-based disbursements, payouts, and workforce integrations on Payactiv API-first payment infrastructure designed for secure, event-driven, and scalable integrations. Contact Us Earned Wage Access (EWA) Enable employees to access earned wages safely with eligibility controls and real time updates EligibilityLimits Real-time Typical Flow Connect signals - [Contact Us](https://payactiv.com/developers-contact-us/) - Welcome to Payactiv Developers Contact Us Have questions about our APIs or sandbox? Share your details and our team will get back to you shortly. Already have an account? Log in - [UKGwallet Help](https://payactiv.com/ukgwallet-help/) - Contact Support Open a support ticket with our Service Team Name Email Phone Company Name Message *These fields are required. Thank you! Your message has been received and our team will get back to you soon. Get live support 24×7 Live chat Loading Call us toll-free1 (855) 854-0485 Check our FAQ for common questions View - [Get help from our 24/7 live customer support.](https://payactiv.com/help/) - 24/7 live customer support from Payactiv Open a support ticket with our Service Team Name Email Phone Company Name Message *These fields are required. Thank you! Your message has been received and our team will get back to you soon. Get live support 24×7 Live chat Loading Call us toll-free1 (877) 937-6966For International Customer Service:1 - [Amazon dsp](https://payactiv.com/partners/amazon-dsp) - PAYACTIV FOR DELIVERY SERVICE PARTNERS Deliver financial wellness to your employees with Earned Wage Access Explore how the most in-demand financial wellness benefit, Earned Wage Access (EWA), reduces employee stress, helps attract and retain talent and costs nothing to offer. Request a Demo Revolutionize payday & put your team first We challenge the outdated, biweekly - [Amazon DSP Referral](https://payactiv.com/partners/amazon-dsp-referral) - Refer a Delivery Service Partner Earn $250 for Referring a DSP Know a DSP that could benefit from Payactiv’s Earned Wage Access? Refer them today, and once they launch, you’ll receive $250—it’s that simple!How It Works:Submit a referral using the form belowThey get started with Payactiv for their driversYou get $250 once they launchBy referring - [Program Pricing](https://payactiv.com/partners/paycor) - Pricing As a Certified B Corp and Public Benefit Corporation, we are dedicated to giving you transparent and fair pricing.(The following applies to our affiliated program with Paycor only) EWA Disbursement Type† Fee ACH bank transfer (1-3 business days)Uber Rides / Amazon Load / Bill payFinancial counseling, saving tools, discounts No Fee REAL-TIME TRANSFERS TO - [Privacy Policy](https://payactiv.com/privacy-policy/) - Payactiv Privacy Policy Last Modified: February 2, 2026Payactiv, Inc. (“Payactiv,” “we,” “us,” or “our”) provides the Payactiv platform, this website, mobile applications, and related services (together, the “Services”). This Privacy Policy (“Privacy Policy”), which is incorporated into and is subject to the Payactiv Terms and Conditions, describes the personal information that we gather from you - [Accessibility](https://payactiv.com/accessibility/) - Accessibility Payactiv is firmly committed to compliance with the Americans with Disabilities Act. As part of this commitment, we are continually improving our website – www.payactiv.com – to ensure that the site is as accessible as possible for all of our users. If you have any questions about or problems with the accessibility of the - [Payactiv for Fresenius team members](https://payactiv.com/a/fresenius/) - Payactiv for Fresenius employees Own your finances and make the most of every dollar Fresenius partnered with Payactiv to offer you more control of your earnings and give you financial flexibility. Access your wages on-demand before payday, set saving goals, get exclusive discounts, and more! Create an Account See what's inside Earned Wage AccessGet paid - [On-Demand Pay](https://payactiv.com/for-you/on-demand-pay/) - On-demand Access to Earned Wages On-Demand Pay Access your earned wages1 on-demand from the Payactiv app. No more waiting for payday, borrowing, overdrafts and late fees. Now you can use your money to pay for what you need when you need it. Get Started Subject to successful ID verification.1 Central Bank of Kansas City does not administer, - [Holiday Sweepstakes 2025 - Terms and Conditions](https://payactiv.com/c/holiday-sweepstakes-2025-mpu-tc) - HOLIDAY SWEEPSTAKESOfficial RulesNO PURCHASE OR OBLIGATION NECESSARY TO ENTER OR WIN THE SWEEPSTAKES.A PURCHASE DOES NOT INCREASE YOUR CHANCES OF WINNING. NON-PURCHASE ENTRIES AND PURCHASE ENTRIES HAVE AN EQUAL CHANCE OF WINNING.SWEEPSTAKES TIMING: The Holiday Sweepstakes (the “Sweepstakes”), which is being held on the Payactiv App, the UKG Wallet App, and the Paychex Flex App ( - [Holiday Sweepstakes 2025 - Terms and Conditions](https://payactiv.com/c/holiday-sweepstakes-2025-tc) - HOLIDAY SWEEPSTAKESOfficial RulesNO PURCHASE OR OBLIGATION NECESSARY TO ENTER OR WIN THE SWEEPSTAKES.A PURCHASE DOES NOT INCREASE YOUR CHANCES OF WINNING. NON-PURCHASE ENTRIES AND PURCHASE ENTRIES HAVE AN EQUAL CHANCE OF WINNING.SWEEPSTAKES TIMING: The Holiday Sweepstakes (the “Sweepstakes”), which is being held on the Payactiv App, the UKG Wallet App, and the Paychex Flex App ( - [Holiday Sweepstakes 2025](https://payactiv.com/c/holiday-sweepstakes-2025) - Celebrate the Season with Payactiv Make This Holiday Season Easier—Enroll in Payactiv and Enter for a Chance to Win1 Big The holidays can be joyful—and expensive. Payactiv is here to help you stay in control, reduce stress, and make the season a little brighter. Sign up for Payactiv between December 1 – December 31, 2025 for - [Payroll Card for Employees](https://payactiv.com/paycard/) - Payactiv Visa® Payroll Card Payroll Card for Employees that Everyone can Love Improve payroll efficiency, save time and money. Give your employees the payroll card they want, with the freedom to access their earned wages1 any day. Request Demo 1 Central Bank of Kansas City does not administer, nor is liable for earned wage access. - [Financial Wellness Landing Page - Payactiv](https://payactiv.com/demo/financial-wellness) - Empower Your Employees with Financial Wellness Payactiv’s holistic approach to financial wellness provides your employees with the solutions that empower them to build financial resilience and achieve goals. Boost employee productivity, satisfaction, recruitment, and retention—at no cost to your business. Offer financial wellness solutions to your team. Let's chat! Join the 3,000+ companies that have - [EWA Landing Page - Payactiv](https://payactiv.com/demo/earned-wage-access) - Learn how Earned Wage Access can boost your business Empower your workforce with Payactiv’s Earned Wage Access (EWA) solution—the smarter way to improve employee financial wellness. EWA allows your team to access their earned wages before payday, reducing financial stress and boosting productivity. Improves Hiring and Retention Seamlessly Integrates with Existing Systems Streamlines Payroll at - [Resuscitating America: Payactiv Impact 2020](https://payactiv.com/resuscitating-america-payactiv-impact-2020/) - Resuscitating America What we learned by serving millions of essential workers during 2020 View the PDF - [Payactiv for Franciscan Ministries Team Members](https://payactiv.com/a/frm/) - PAYACTIV FOR FMOL Health TEAM MEMBERS 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, debit - [Savings Calculator](https://payactiv.com/savings-calculator/) - Savings Calculator Discover how much you can save in turnover costs by offering Earned Wage Access by Payactiv to your employees. These numbers are based off of nationwide trends and real Payactiv results. Adjust for your business and goals to see annualized savings. Number of employees making less than $25 per hour 0 Turnover cost - [Competitor Landing Page - Payactiv](https://payactiv.com/demo/why-choose-payactiv) - The Most Comprehensive Earned Wage Access Solution Payactiv goes beyond traditional Earned Wage Access to deliver a truly holistic financial wellness platform to elevate your workforce with solutions that drive engagement, satisfaction, and retention.More than just on-demand payMost fee-free transaction optionsCertified B-Corp and Public Benefit Corporation Discover how to offer Earned Wage Access to your - [UKG Wallet Win at Work 2025 Spanish](https://payactiv.com/ukg-wallet/win-at-work-2025-spa) - Ingresa para ganar $100 1 Regístrate en UKG Wallet y accede a un conjunto completo de herramientas de bienestar financiero.Date prisa, el Sorteo Win at Work termina el 30 de noviembre de 2025 11:59pm PST Aplican Términos y Condiciones Cómo entrar Descarga la aplicación UKG Wallet2 o entra en ukgwallet.payactiv.comInscríbete y crea una cuenta UKG Wallet.Ingresa - [UKG Wallet Win at Work 2025](https://payactiv.com/ukg-wallet/win-at-work-2025) - Enter to Win $100 1 Sign up for UKG Wallet andaccess a comprehensive suite of financial wellness tools.Hurry, the Win at Work Sweepstakes ends on November 30, 2025, at 11:59 p.m. PST! Terms and Conditions apply How to Enter Download the UKG Wallet app2 or go to ukgwallet.payactiv.com Enroll and create a UKG Wallet account. - [Win at Work 2025 - Terms & Conditions](https://payactiv.com/c/win-at-work-2025-tc) - Terms & Conditions Términos y Condiciones WIN AT WORK SWEEPSTAKESOfficial RulesLegal Mandatories:No purchase necessary. Void where prohibited. The Win at Work Sweepstakes is open to legal residents of the United States, who are 18 years of age or older as of date of entry. Must be an employee of a Participating Employer to qualify. Starts - [Win at Work - Noviembre 2025](https://payactiv.com/c/win-at-work-2025-spa) - Ingresa para ganar $100 1 Regístrate en Payactiv y accede a un conjunto completo de herramientas de bienestar financiero.Date prisa, el Sorteo Win at Work termina el 30 de noviembre de 2025 a las 11:59pm PST Aplican Términos y Condiciones Cómo entrar Descarga la aplicación Payactiv2 o entra en payactiv.com/for-youInscríbete y crea una cuenta Payactiv.Ingresa tu ID - [Win at Work November 2025](https://payactiv.com/c/win-at-work-2025) - Enter to Win $100 1 Sign up for Payactiv and access a comprehensive suite of financial wellness tools.Hurry, the Win at Work Sweepstakes ends on 11/30/2025 11:59pm PST Terms and Conditions apply How to Enter Download the Payactiv app2 or go to payactiv.com/for-youEnroll and create a Payactiv account.Add your employee ID.Link a bank account or - [Contact Us](https://payactiv.com/contact-us/) - Contact Us How can we help today? Employer Inquiry I’m interested in offering Payactiv to my employees and want to learn more! Payactiv User Support I use Payactiv and need help with my account, or need to create one! I need help with my Payactiv account Visit our Help Center for answers to common questions - [For You](https://payactiv.com/for-you/) - Get and stay ahead Your all-in-one digital wallet The Payactiv app puts you in control of your earning, spending, and saving so you can access your pay when you need it, stretch every dollar further and achieve your financial goals. Get Started Subject to successful ID verification. Take a look at what's inside the Payactiv - [ADP Contact](https://payactiv.com/partners/adp-lead/) - Earned Wage Access and Financial Wellness for a Happier Workforce with Payactiv Submit your contact information for a chance to win Apple Airpods 4th Gen1! Terms & Conditions 💰Earned Wage Access2:Employees access their pay when they need it.✅No cost, no risk:Seamless payroll integration, zero employer fees.💫Comprehensive financial wellness:Budgeting, saving, coaching & discounts.😎Employee well being:Financial control - [Partner with Payactiv](https://payactiv.com/partnerships) - PARTNERING FOR SUCCESS The premier financial wellness partner for HR and Payroll organizations Payactiv offers a best-in-class employee financial wellness platform that has become a cornerstone of HR and payroll solutions across the country.From Earned Wage Access to a paycard program to holistic financial wellness products, Payactiv has partnered with industry leaders to provide the - [For Companies](https://payactiv.com/for-companies/) - Be the place where everyone wants to work Help your employees fully engage in both work and life with our all-in-one Livelihood platform that takes a holistic approach in improving financial wellness and increasing employee satisfaction. Request a Demo “I couldn’t imagine going to a company that didn’t have something so convenient.” Featured NEWS Harvard - [Sorteo OnShift Holiday save & match 2025](https://payactiv.com/onshift/holiday-save-and-match-sweepstakes-2025-spa) - ¡Comienza tu temporada navideña temprano con el sorteo Holiday Save & Match! Celebra tus metas de ahorro navideño con OnShift Wallet Estamos comprometidos a ayudarte a alcanzar tus metas de ahorro1. A partir del 1 de octubre de 2025, puedes registrarte para obtener una cuenta de OnShift Wallet, solicitar2 la Tarjeta Visa® OnShift Wallet, establecer - [OnShift Holiday save & match sweepstakes 2025](https://payactiv.com/onshift/holiday-save-and-match-sweepstakes-2025) - Kick Off Your Holiday Season Early with the Holiday Save & Match Sweepstakes! Ring in your holiday saving goals with OnShift Wallet We’re dedicated to helping you achieve your saving goals1. Starting on October 1, 2025, you can sign up for a OnShift Wallet account, apply2 for the OnShift Wallet Visa® Card, set up a saving - [UKG - Holiday save & match sweepstakes 2025](https://payactiv.com/ukg-wallet/holiday-save-and-match-sweepstakes-2025) - Kick Off Your Holiday Season Early with the Holiday Save & Match Sweepstakes! Ring in your holiday saving goals with UKG Wallet We’re dedicated to helping you achieve your saving goals1. Starting on October 1, 2025, you can sign up for a UKG Wallet account, apply2 for the UKG Wallet Visa® Card, set up a - [Holiday Save and Match Sweepstakes - Terms & Conditions](https://payactiv.com/c/holiday-save-and-match-sweepstakes-2025-tc) - Terms & Conditions Términos y Condiciones HOLIDAY SAVE AND MATCH SWEEPSTAKESOfficial RulesNO PURCHASE OR OBLIGATION NECESSARY TO ENTER OR WIN THE SWEEPSTAKES.A PURCHASE DOES NOT INCREASE YOUR CHANCES OF WINNING. NON-PURCHASE ENTRIES AND PURCHASE ENTRIES HAVE AN EQUAL CHANCE OF WINNING.SWEEPSTAKES TIMING: The Holiday Save & Match Sweepstakes (the “Sweepstakes”), which is being held on the Payactiv - [The Key to Employee Retention - Payactiv](https://payactiv.com/b/retainingemployees/1) - The key to employee retention in 2024 In 2022, 50.6 million workers quit their jobs. Find out how you can give your team financial wellness and keep them. Increase employee engagement and retention Create competitive recruitment advantages Offer holistic financial wellness services to your workforce Find out how you can offer Earned Wage Access to your - [Choosing the Best EWA Provider](https://payactiv.com/b/choosing-the-best-ewa-provider) - The Most Holistic Earned Wage Access Solution Payactiv isn’t like your ordinary Earned Wage Access provider.Leading the way in financial wellness with a suite of solutions, our platform empower employees with lasting financial wellness—improving employee engagement, satisfaction, and retention. Discover how to offer Earned Wage Access to your employees What makes Payactiv the right choice? - [Payday on Demand](https://payactiv.com/lp/payday-on-demand) - Your payday on demand Access your money, when you need it, with Earned Wage Access (EWA). Avoid late fees, say goodbye to loans, & reach your financial goals faster.• Access your earned wages at any time for a small fee• Set up automatic bill pay• Access a full financial wellness platform, including EWA, through the - [Access-as-a-Service](https://payactiv.com/access-as-a-service) - SILICON VALLEY, Calif.–(BUSINESS WIRE)–Payactiv, the creators of Earned Wage Access (EWA) and a certified B Corp, today announced the launch of Access-as-a-ServiceSM, an API-driven infrastructure that allows Fortune 100 employers, HCM providers, and enterprise platforms to embed EWA and financial wellness features directly into their systems—on their terms, under their brand.This launch marks a major turning - [Payactiv Access-as-a-Service](https://payactiv.com/access) - earned wage access-as-a-serviceSM EWA. Liberated. No more bolt-ons or disjointed apps For too long, EWA has been locked inside standalone, one-size-fits-all apps. The result? A disjointed experience where employers can’t adapt the service to their culture, and employees have to bend to the tool instead of the other way around. The uniqueness is lost. Impact - [Marriot Enrollment Sweepstakes - Terms and Conditions](https://payactiv.com/c/marriot-enrollment-sweepstakes-tc) - MARRIOT INTERNATIONAL SWEEPSTAKES Official Rules NO PURCHASE OR OBLIGATION NECESSARY TO ENTER OR WIN THE SWEEPSTAKES.A PURCHASE DOES NOT INCREASE YOUR CHANCES OF WINNING. NON-PURCHASE ENTRIES AND PURCHASE ENTRIES HAVE AN EQUAL CHANCE OF WINNING. SWEEPSTAKES TIMING: The Marriott International Sweepstakes (the “Sweepstakes”), which is being held on the Payactiv mobile app (“Payactiv App”) (the “Participating - [Contact](https://payactiv.com/contact/) - Contact Sales Tell Us About Yourself We’re looking forward to showing you how our platform can benefit your employees and help reduce turnover, increase engagement and improve productivity at your organization. I want to learn more about your product I need help with my Payactiv account Hmm, It sounds like you’re looking for Customer Support - [ENCORE OVERTIME SAVING GOALS SWEEPSTAKES - Terms & Conditions](https://payactiv.com/ukg-wallet/ot-savings-encore-tc) - ENCORE OVERTIME SAVING GOALS SWEEPSTAKESOfficial RulesNO PURCHASE OR OBLIGATION NECESSARY TO ENTER OR WIN THE SWEEPSTAKES.A PURCHASE DOES NOT INCREASE YOUR CHANCES OF WINNING. NON-PURCHASE ENTRIES AND PURCHASE ENTRIES HAVE AN EQUAL CHANCE OF WINNING.SWEEPSTAKES TIMING: The Encore Overtime Saving Goals Sweepstakes (the “Sweepstakes”), which is being held on the the UKG Wallet App (“UKG Wallet App”), - [Terms of Use](https://payactiv.com/terms-of-use/) - Terms of Use Please read these terms and conditions before using this Service. By continuing to use the Site, you agree to the Terms of Use.INTRODUCTIONWelcome to www.payactiv.com (the “Site”). Payactiv, Inc. (“we”, “us” or “our”) provides the Site and the information and services offered on the Site to you, subject to the following Terms - [Emergency Funds 101 - How to Save $500 in 90 Days](https://payactiv.com/webinars/emergency-funds-101-how-to-save-500-in-90-days) - JUMPSTART YOUR SAVING: JOIN OUR EXCLUSIVE WEBINAR! Emergency Funds 101:How to Save $500 in 90 Days Are you ready to take charge of your financial future? Join our exclusive webinar and discover how you can save $500 in just 90 days using Payactiv’s features. Whether you’re new to saving or looking for fresh strategies, this - [ADP Meeting of the Minds Conference Sweepstakes Terms & Conditions](https://payactiv.com/partners/adp-lead-tc) - ADP MEETING OF THE MINDS CONFERENCE SWEEPSTAKES Official Rules NO PURCHASE NECESSARY TO ENTER OR WIN THE SWEEPSTAKES.A PURCHASE DOES NOT INCREASE YOUR CHANCES OF WINNING.SWEEPSTAKES TIMING: ADP Meeting of the Minds Conference (the “Sweepstakes”) will be held at the ADP Meeting of the Minds Conference at Resorts World Las Vegas (3000 S Las Vegas Blvd, Las - [Wallet Wellness Sweepstakes May 2025- Terms and Conditions](https://payactiv.com/c/wallet-wellness-sweepstakes-may2025-tc) - Terms & Conditions Términos y Condiciones WALLET WELLNESS MAY SWEEPSTAKESOfficial RulesNO PURCHASE NECESSARY TO ENTER OR WIN THE SWEEPSTAKES.A PURCHASE DOES NOT INCREASE YOUR CHANCES OF WINNING.SWEEPSTAKES TIMING: The Wallet Wellness May Sweepstakes (the “Sweepstakes”) will be held on the Payactiv Mobile App (“Payactiv App”) and the UKG Wallet Mobile App (“UKG Wallet App”), collectively referred - [Sorteo OnShift Wallet Wellness Julio 2025](https://payactiv.com/onshift/wallet-wellness-sweepstakes-july2025-spa) - Aprende a planificar para gastos inesperados. ¡Y participa por la oportunidad de ganar $5001 con UKG Wallet! La vida está llena de sorpresas, pero aprender a planificarlas es una habilidad que puedes dominar. Del 1 al 31 de julio, mira un breve video dentro de tu OnShift Wallet para prepararte mejor ante gastos inesperados. Al confirmar - [OnShift Wallet Wellness Sweepstakes July 2025](https://payactiv.com/onshift/wallet-wellness-sweepstakes-july2025) - Learn How to Plan for Unexpected Expenses And Enter for a Chance at $5001 with OnShift Wallet! Life is full of surprises, but learning how to plan for them is a skill you can master. From July 1–31, watch a short video within your OnShift Wallet to better prepare for unexpected expenses—and once you confirm - [SHRM 2025](https://payactiv.com/shrm-2025) - PAYACTIV AT SHRM 2025 Payactiv Happy Hour Check-In! Let’s Get You Checked In! It only takes a minute to check in and receive raffle ticket. You’ll be entered to win one of our exciting prizes - [Careers](https://payactiv.com/careers/) - Driven by Excellence. Powered by Curiosity. United in Obsession to Do Good. At Payactiv, we believe everyone is worthy of financial dignity. Our team is built on a shared obsession to create products that reduce financial stress and improve lives. We thrive on curiosity, strive for excellence, and act with purpose every day. If you’re - [Isolved Contact](https://payactiv.com/partners/isolved-lead/) - Better recruitment, engagement, and retention. At zero cost to businesses. Our industry-leading Earned Wage Access benefit and comprehensive financial wellness platform are uniquely crafted to empower your clients’ workforce to reach their financial wellness goals. We’re thrilled to demonstrate how Payactiv’s financial wellness benefit can help your clients attract talent, reduce turnover rates, and boost - [Your Pay Today](https://payactiv.com/a/darden) - Español Helping You Access Part of Your Pay Real-Time When You Need It Helping You Access Part of Your Pay Real-Time When You Need It At Darden, we offer competitive pay that grows with you as you grow with the company. Whenever you work a non-tipped position*, you can use the free Payactiv app to - [Get Payactiv](https://payactiv.com/get-started/) - Benefit offered by your employer Get paid as you earn With Payactiv 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, debit card, or the - [Welcome to Payactiv](https://payactiv.com/join/) - 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 Watch in Spanish 1-minute video on How it Works How does Payactiv help? Avoided late fees 0 % Avoided overdrafts 0 % Avoided payday loans 0 - [Earned Wage Access for Subway Employees](https://payactiv.com/earned-wage-access-for-subway-employees/) - PAYACTIV FOR SUBWAY® EMPLOYEES Financial wellness at your fingertips Subway® partnered with us so you can access your earned wages on-demand from the Payactiv app1. No more waiting for payday, borrowing, overdrafts and late fees. Now you can use your money to pay for what you need when you need it. Get Started Get ahead - [Tips](https://payactiv.com/tips-ewa/tips/) - PAYACTIV FOR [company name] EMPLOYEES Welcome to Payactiv! Whether you receive most of your income in tips or hourly wages, Payactiv gives you the flexibility to access the money you already earned on-demand. It’s not a payday loan and there’s no interest. It’s just your money when you need it. Tips & Mileage Front of - [Payroll Congress 2025](https://payactiv.com/payroll-congress-2025) - PAYACTIV AT PAYROLL CONGRESS 2025 Payactiv Happy Hour Let’s Get You Checked In! It only takes a minute to check in and receive raffle ticket. You’ll be entered to win one of our exciting prizes Swing by The Payactiv Booth Tomorrow for Your Free Custom Tote Bag! - [Paychex Giveaway](https://payactiv.com/paychex-giveaway/) - Discover how Pay on Demand, powered by Payactiv can support you Increased Employee SatisfactionEnhanced RetentionImproved ProductivitySimple IntegrationEmployee Financial WellnessSubmit your contact information for a chance to win Ray-Ban Meta AI Glasses! Get in touch Offer Pay on Demand, powered by Payactiv Pay on Demand is here Offer your employees the popular pay on demand benefit - [Our Story](https://payactiv.com/our-story/) - Innovators with purpose Payactiv was founded to level the playing field for the millions of lower-income hourly workers being exploited and monetized for their ‘between paychecks’ cashflow timing issues. Rather than dwell over wage stagnation and tax structures, we at Payactiv set out to do what we knew best—solve this real-world problem with imagination and - [Earned Wage Access](https://payactiv.com/earned-wage-access/) - Earned Wage Access Improve recruitment and impact the daily lives of your workforce with Payactiv, the innovator of Earned Wage Access1. Request a Demo 1 Central Bank of Kansas City does not administer, nor is liable for earned wage access. 9 of 10 employees want Earned Wage Access Want employer sponsored EWA 0 % Will - [UKG Wallet Wellness Sweepstakes May 2025](https://payactiv.com/ukg-wallet/wallet-wellness-sweepstakes-may2025) - Prepare for Summer Spendingand Win Big with UKG Wallet! Get Ready for Summer Fun and Unexpected ExpensesWith UKG Wallet Wellness Sweepstakes1! Summer is full of fun, but it can also come with extra costs. From summer camps for the kids to surprise car repairs, it’s easy to feel overwhelmed. But don’t worry—UKG Wallet is here - [Wallet Wellness Sweepstakes Mayo 2025](https://payactiv.com/c/wallet-wellness-sweepstakes-may2025-spa) - ¡Prepárate para los gastos del veranoy gana en grande con Payactiv! ¡Disfruta el verano sin preocupaciones con el sorteo Wallet Wellness de Payactiv!1 El verano está lleno de momentos divertidos, pero también puede traer gastos inesperados. Desde campamentos para los niños hasta reparaciones sorpresa del auto, es fácil sentirse abrumado. Pero no te preocupes: Payactiv - [Paycor Connect Plus](https://payactiv.com/paycorconnectplus) - Discover how Paycor Wallet can support you Increased Employee SatisfactionEnhanced RetentionImproved ProductivitySimple IntegrationEmployee Financial Wellness Get in touch Submit your contact information for a chance to win a Ray-Ban Meta AI Glasses! Book a demo to enter for a chance to win Ray-Ban Meta AI Glasses! Sign me up Payactiv at a glance Payactiv offers - [Workday Contact](https://payactiv.com/partners/workday-lead/) - Better recruitment, engagement, and retention. At zero cost to you. Our industry-leading Earned Wage Access benefit and comprehensive financial wellness platform are uniquely crafted to assist your employees in reaching their financial wellness goals. We’re thrilled to demonstrate how Payactiv’s financial wellness benefit can help you attract talent, reduce turnover rates, and boost productivity throughout - [Home Instead Convention](https://payactiv.com/homeinsteadconvention/) - PAYACTIV AT HOME INSTEAD CONVENTION 2025 Discover how Payactiv can support you Increased Employee SatisfactionEnhanced RetentionImproved ProductivitySimple IntegrationEmployee Financial Wellness Days Hours Minutes Seconds Get in touch Submit your contact information for a chance to win a Mini Theragun! Submit your contact information for a chance to win a Mini Theragun! Sign me up Payactiv - [Financial Wellness Platform for Employees](https://payactiv.com/holistic-financial-wellness-platform/) - Financial Wellness Platform and Benefits for Employees Payactiv is the leading provider of Earned Wage Access1 service that helps employees manage day-to-day finances and bills without taking loans. Our app provides a holistic approach to financial wellness with services that help build financial resilience by saving2 towards short- and medium-term goals. Simply put, Payactiv makes - [Team](https://payactiv.com/team/) - Our team Safwan ShahFounder and CEO Sohail AslamCo-founder and CTO Ijaz AnwarCo-founder and COO Sridhar AndeChief Financial Officer Mobeen BajwaChief Growth Officer Tami KilpatrickSVP, Sales & Client Services Candice ShihSVP Legal Michael GregorioVP Product Kathy SosnowVP of HR Board of directors Todd BoehlyChairman & CEOEldridge Industries Kabir MisraDirector, Alibaba GroupManaging Partner, RPS Ventures John HawkinsManaging - [Payroll Card](https://payactiv.com/for-you/payroll-card/) - 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. Get Started Subject to successful ID verification.We give - [Bill Pay](https://payactiv.com/for-you/bill-pay/) - BILL PAY Pay all your bills on time, every time If you pay for rent, car insurance, or cell phones– you can pay it on time in the Payactiv app. Avoid late fees, help build your credit, and stop stress-checking the calendar.Payactiv bill pay makes the Payactiv app your one-stop shop for all things personal - [Privacy Policy - Australia](https://payactiv.com/privacy-policy-australia) - Privacy Policy AUSTRALIA Last Modified: February 9, 2024In this Privacy Policy, ‘us’ ‘we’ or ‘our’ means Payactiv Pty Ltd (ACN 619 317 403). We are committed to respecting your privacy. Our Privacy Policy sets outs out how we collect, use, store and disclose your personal information.We may change our Privacy Policy from time to time - [Tips & Mileage for Employees](https://payactiv.com/for-you/tips-mileage/) - Payactiv Tips & Mileage for Employees Safe, fast tips after each shift Get quick access to your hard-earned tips by having Payactiv automatically send them to your card after each shift. No more waiting, calculation errors, or trips to the bank. Just safer, faster tips at no cost to you! Already got the Payactiv Visa® - [Payactiv Card](https://payactiv.com/for-you/card/) - Payactiv Visa® Card Get the card made for living your best life Get paid up to 2 days early1, stay on track with budgeting and discounts, and save2 toward your goals. At Payactiv we are all about eliminating unnecessary fees and getting our users the best value for their hard earned money. 🚫 No overdraft fees—because we’re - [Pay a Friend](https://payactiv.com/for-you/pay-a-friend/) - PAY A FRIEND Send and receive money with your friends Whether it’s time to split the bill for dinner or pay your share of the rent with a roommate, Payactiv has your back with our in-app Pay a Friend feature. Pay a Friend is fast. Transfers to friends happen in real-time. It’s easy to sign - [Goal-Based Savings](https://payactiv.com/for-you/goal-based-savings/) - Goal Based Saving Tools Prep for your next big purchase, automatically Want to set money aside for an emergency fund? A vacation? A new phone? With Goal-Based Saving Tools, the power is in your hands. Create a custom goal, set a date you want to achieve it by, and move money automatically to a set - [Culver's 2025 Reunion](https://payactiv.com/culvers2025reunion/) - Payactiv at Culver’s Reunion 2025 Discover how Payactiv can support you Increased Employee SatisfactionEnhanced RetentionImproved ProductivitySimple IntegrationEmployee Financial Wellness Get in touch Submit your contact information for a chance to win Apple Airpods 4th Gen! Submit your contact information for a chance to win Apple Aipods 4th Gen! Sign me up Payactiv at a glance - [Card Disclosures](https://payactiv.com/carddisclosures/) - Card Disclosures * The Payactiv Visa Prepaid Card is issued by Central Bank of Kansas City, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Certain fees, terms, and conditions are associated with the approval, maintenance, and use of the Card. You should consult your Cardholder Agreement and the Fee Schedule at payactiv.com/card411. If - [About Us](https://payactiv.com/about/) - Your livelihood is our life's work We create products that empower more people to participate in the economy they helped create.Before we created Earned Wage Access (EWA) in 2012, workers could only bridge the gap between needing money and getting paid with late and overdraft fees, or expensive payday loans. Now those funds go where - [Employer Lead](https://payactiv.com/ukg-wallet/employer-lead/) - Thank you for your interest in connecting with Please fill out the form below and we’ll get something on the books shortly! - [This Campaign Is No Longer Available](https://payactiv.com/c/expired) - The Offer You’re Looking For Has Ended Thanks for stopping by! The campaign you’re looking for is no longer available.But there’s always more to discover with Payactiv. From financial wellness benefits to tools that simplify your everyday life, we’re here to help you make the most of your money and time. Take me there - [Oracle Contact](https://payactiv.com/partners/oracle-lead/) - Better recruitment, engagement, and retention. At zero cost to you. Our industry-leading Earned Wage Access benefit and comprehensive financial wellness platform are uniquely crafted to assist your employees in reaching their financial wellness goals. We’re thrilled to demonstrate how Payactiv’s financial wellness benefit can help you attract talent, reduce turnover rates, and boost productivity throughout - [Testimonials](https://payactiv.com/testimonials/) - “Payactiv is the most innovative benefit that I’ve ever offered to my staff. The impact has been tremendous for us.” Jennifer Smith HR Director, Nazareth Home Payactiv in 60 Seconds Payactiv Member Community “This is the best buddy I could have, Payactiv.” I’ve gone the route of going to the pawn shop - [KOFE Financial Success Sweepstakes](https://payactiv.com/financial-success-series-sweepstakes-2024) - FINANCIAL SUCCESS SERIES SWEEPSTAKES Your chance to win up to $1,000 Terms & Conditions Ready to build better money habits for a shot at winning big? It’s simple: Watch the 3-part Payactiv Financial Success Series and complete the interactive quizzes at the end of each video by December 31, 2024 to automatically enter for a chance - [UKG KOFE Financial Success Sweepstakes](https://payactiv.com/ukg-wallet/financial-success-series-sweepstakes-2024) - FINANCIAL SUCCESS SERIES SWEEPSTAKES Your chance to win up to $1,0001 Terms & Conditions Ready to build better money habits for a shot at winning big? It’s simple: Watch the 3-part UKG Wallet Financial Success Series and complete the interactive quizzes at the end of each video by December 31, 2024 to automatically enter for a - [Payactiv for CEC Entertainment](https://payactiv.com/a/cecentertainment) - Snag a Chance to Win $500 for Your Store Plus a bonus $20 for you Until November 8, 2024, every employee who creates an account on the Payactiv app will count towards your store’s overall enrollment percentage! The more people that join, the higher your chances of winning!1 Get Started Top 5 Stores Score Big - [Get Payactiv](https://payactiv.com/join-today/) - 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 - [Impact 2023](https://payactiv.com/impact) - 2023 PAYACTIV IMPACT REPORT EWA Shields Workers From Financial Vulnerability As a leading financial wellness provider, Payactiv annually measures our impact using survey-based data to learn about the outcomes customers experience when they use Earned Wage Access (EWA). Post-pandemic, inflation has reached a 40-year high and Americans are struggling to manage the basic cost of - [Livelihood Index](https://payactiv.com/livelihood-index/) - America´s Livelihood Index The livelihood gap prevents financial wellness Everything you need to know about the Livelihood Gap for the half of America that earns less than the median wage and likely struggles to make ends meet. What Is the Livelihood Gap Millions of Americans are struggling to meet livelihood needs, and over 80% live paycheck - [Emergency Funds 101 - How to Save $500 in 90 Days - A Webinar for Nebraska Medicine Employees](https://payactiv.com/webinars/emergency-funds-101-how-to-save-500-in-90-days-nm) - JUMPSTART YOUR SAVING: JOIN OUR EXCLUSIVE WEBINAR! Emergency Funds 101:How to Save $500 in 90 Days Are you ready to take charge of your financial future? Join our exclusive webinar and discover how you can save $500 in just 90 days using Payactiv’s features. Whether you’re new to saving or looking for fresh strategies, this - [Webinar Video Empowering Your Employees for Financial Resilience in an Uncertain Economy](https://payactiv.com/webinar-video-empowering-your-employees-for-financial-resilience-in-an-uncertain-economy) - Empowering Your Employees for Financial Resilience in an Uncertain Economy How supporting your employees’ financial growth journey enhances job satisfaction and strengthens employer-employee relationships. Get Payactiv for your business Learn how thousands of companies have improved their retention, recruitement, and engagement by offering Payactiv. Request Demo - [How to Update Personal Information Within Your Payactiv Account](https://payactiv.com/how-to-update-personal-information-within-your-payactiv-account/) - How do I link my bank account? To add your bank account to your Payactiv account, follow these steps: STEP 1. Open the Payactiv app and scroll down to the “Accounts” section on the home screen. STEP 2. Tap the “+” button on the right side of the screen, then select your bank from the - [UKG-Aldi-Onboarding](https://payactiv.com/a/ukg/aldi) - GET AND STAY AHEAD Your all-in-one digital wallet The UKG Wallet app powered by Payactiv puts you in control of your earning, spending and saving so you can access your pay when you need it, stretch every dollar and help achieve your financial goals. To get started, all you need to do is download the - [Lively](https://payactiv.com/lively/) - [Lively Login](https://payactiv.com/lively-login/) - [FAQ](https://payactiv.com/faq/) - FAQ For You Who can use Payactiv? Everybody! Even if your employer isn’t enrolled in Payactiv, you can apply for the Payactiv card and receive your paycheck up to 2 days early and use our savings tools, get exclusive discounts, and 1:1 financial counseling. How do I access my earned wages? If you have Payactiv - [Discount](https://payactiv.com/for-you/discount/) - DISCOUNT MARKETPLACE Save on medicine, gas, and more We created the Payactiv discount marketplace with one goal in mind– helping you pay less for everyday living expenses. When you apply for the Payactiv Visa Card* and download the free Payactiv app , you’ll unlock all the savings superpowers Payactiv has to offer. Save 10¢ off - [Pay On Demand with Paychex, powered by Payactiv](https://payactiv.com/paychex2.0/) - Get Pay on Demand, powered by Payactiv Unlock Pay On Demand Create your free Pay on Demand account to access the money you have already earned to pay bills, avoid late and overdraft fees, and take control of your finances. Get Started EARNED WAGE ACCESS Your money, when you need it After every day you work, - [Get Payactiv NEW](https://payactiv.com/get-started-2/) - Get and stay ahead Your all-in-one digital wallet The Payactiv app puts you in control of your earning, spending, and saving so you can access your pay when you need it, stretch every dollar, and achieve your financial goals faster. Get Started Take a look at what's inside the Payactiv Digital Wallet App Do more - [Payactiv for Fresenius team members OLD](https://payactiv.com/a/fresenius-old/) - Payactiv for Fresenius employees Own your finances and make the most of every dollar Fresenius partnered with Payactiv to offer you more control of your earnings and give you financial flexibility. Access your wages on-demand before payday, set saving goals, get exclusive discounts, and more! Create an Account See what's inside Earned Wage AccessGet paid - [Revel Lead Submission](https://payactiv.com/partners/revel-lead/) - Revel Lead Form Thank you for partnering with Payactiv! Please fill out the form below with information about yourself and your client. Tell us any relevant follow up details in the Notes section. We look forward to working with you on this opportunity! Our Partnership Team will reach out with any further questions. Have any - [Seller Lead](https://payactiv.com/ukg-wallet/seller-lead/) - Thank you for your interest in connecting with Please fill out the form below and we’ll get something on the books shortly! - [Distribution/Supply Chain](https://payactiv.com/distribution-supply-chain/) - PUT PEOPLE FIRST. SUPPLY THEM WITH THE BENEFITS THEY WANT Promoting the Personal and Financial Wellbeing of Your Workforce is Critical for a Productive Supply Chain Our free guide shows how to strengthen your supply chain by using a people-first approach. Cut employee turnover >30% Warehousing turnover rates are at industry highs. Attract and keep - [Call Center Whitepaper](https://payactiv.com/call-center-whitepaper/) - HAPPY PEOPLE, HAPPY WORKPLACE Get your free whitepaper now This whitepaper is the first step to thanking call center workers Learn the benefits of on-demand access to wages Increase recruitment and retention efforts Hire new call center workers and keep current ones Increase financial health and lower stress Create a happier, more loyal workforce Eliminate - [Partner Lead Submission](https://payactiv.com/partner-lead/) - Lead Form Thank you for partnering with Payactiv! Please fill out the form below with information about yourself and your client. Tell us any relevant follow up details in the Notes section. We look forward to working with you on this opportunity! Our Partnership Team will reach out with any further questions. Have any questions - [Payactiv for Comerica Bank Team Members](https://payactiv.com/a/comerica/) - PAYACTIV FOR COMERICA BANK TEAM MEMBERS 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 - [EWA](https://payactiv.com/tips-ewa/ewa/) - PAYACTIV FOR RESTAURANT EMPLOYEES Welcome to Payactiv! Whether you receive most of your income in tips or hourly wages, Payactiv gives you the flexibility to access the money you already earned on-demand. It’s not a loan and there’s no interest. It’s just your money when you need it. Tips & Mileage Front of house employees - [All Latest Updates and Insights](https://payactiv.com/insights/) - It’s About TIME The impact of timely access to earned wages on American workers. 100 million Americans live paycheck-to-paycheck. 40% couldn't come up with $400 in the event of an emergency. These are your neighbors, family members, and friends, salary as well as hourly. Why is this happening in the richest country in the world? - [Payactiv for Macy’s Inc Colleagues Team Members](https://payactiv.com/a/macysinc/) - PAYACTIV FOR MACY’S, INC COLLEAGUES Welcome to Payactiv Get early access to the money you worked for but haven’t yet been paid. The money you access will be accounted for in your next paycheck, giving you the flexibility to pay for things on your own schedule. Download the App Don’t have a smartphone? You can - [Webinar Video On-Demand Webinar:Financial Wellness Benefits That Matter: Improving Hiring & Retention Strategies With UKG Wallet’s Earned Wage Access](https://payactiv.com/webinar-video-improve-hiring-and-retention-with-ukgwallet) - Financial Wellness Benefits That Matter Improving Hiring & Retention Strategies With UKG Wallet’s Earned Wage Access Get Payactiv for your business Learn how thousands of companies have improved their retention, recruitement, and engagement by offering Payactiv. Request Demo - [My Card](https://payactiv.com/mycard/) - Welcome to Payactiv Cards! Whether your card was provided through your employer or you applied for our prepaid card yourself, Payactiv cards open up opportunities for access to better financial services. App Store Google Play How to Activate Your Card After receiving your card, download the Payactiv App on your mobile phone and create an - [Webinar Video Managing Workplace Morale Post COVID](https://payactiv.com/webinar-video-managing-workplace-morale-post-covid/) - Managing Workplace Morale Post-COVID Care for your workforce with financial services that keep life moving smoothly Get Payactiv for your business Learn how thousands of companies have improved their retention, recruitement, and engagement by offering Payactiv. Request Demo Resources Overview: Earned Wage Access Case Study: The Results Company Whitepaper: American Workers in Crisis - [Webinar Video A Better Way to Pay](https://payactiv.com/webinar-video-a-better-way-to-pay/) - A Better Way to Pay How Contactless Payments are Reshaping Payroll Get Payactiv for your business Learn how thousands of companies have improved their retention, recruitement, and engagement by offering Payactiv. Request Demo Resources Overview: Earned Wage Access Calculate Your Potential Savings Payroll Card Solution - [Webinar Video Work Today Paid Tomorrow](https://payactiv.com/webinar-video-work-today-paid-tomorrow) - Work Today, Paid Tomorrow Incentivize filling shifts with TimelyPay and Earned Wage Access Get Payactiv for your business Learn how thousands of companies have improved their retention, recruitement, and engagement by offering Payactiv. Request Demo Resources Overview: Earned Wage Access Testimonials: Lori Brown Results Co TimelyTips - [Webinar Video How American Senior Communities Reduced Turnover by 20% by Offering Payactiv](https://payactiv.com/webinar-video-how-american-senior-communities-reduced-turnover-by-20-by-offering-payactiv) - Financial Wellness Benefits That Matter Improving Hiring & Retention Strategies With On-Demand Pay Get Payactiv for your business Learn how thousands of companies have improved their retention, recruitement, and engagement by offering Payactiv. Request Demo - [Thank you for webinar](https://payactiv.com/thank-you-webinar) - Thank You For Registering! We’re excited to see you at our live webinar. Please keep an eye out for updates and links to join this event in your inbox.We look forward to seeing you at the event. In the meantime, you may want to check out... Case studies, webinars, and white papers in our Insights - [Cashless Tips & Mileage](https://payactiv.com/tips-mileage/) - Payactiv tips & mileage Cashless Tips Disbursements Payactiv takes care of disbursements of tips and mileage so you can focus on growing your business. Request a Demo Take the hassle out of tips Business Efficiency Manual disbursements of employees’ tips are inefficient and error prone. We work with your existing POS system to automate the - [Post Covid Wellness Free Toolkit](https://payactiv.com/post-covid-wellness-free-toolkit/) - Happy people, happy workplace Get your free guide now Enter your information to download our free guide. The guide that helps your business get back on its feet. Learn about essential post-covid benefits Recruit and retain a talented workforce Hold on to more employees and attract new ones Improve employee financial health Better financial health - [For You](https://payactiv.com/lp/fy1/) - Get paid before payday You can have the money you’ve already earned, when you need it. With Payactiv, sign up and verify your employer and you’re ready to manage your bills, save, and get ahead of your finances. Every two weeks, millions of working Americans need to stretch to make it between paydays. Let Payactiv - [Payactiv for Xome Team Members](https://payactiv.com/a/xome/) - PAYACTIV FOR XOME TEAM MEMBERS 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 - [Chickie’s and Pete’s Tips](https://payactiv.com/chickies-and-petes-tips/) - Payactiv for Chickie’s and Pete’s Team Members Welcome to Payactiv! Whether you receive most of your income in tips or hourly wages, Payactiv gives you the flexibility to access the money you already earned on-demand. It’s not a loan and there’s no interest. It’s just your money when you need it. Tips & Mileage Front - [Chickie’s and Pete’s EWA](https://payactiv.com/chickies-and-petes-ewa/) - Payactiv for Chickie’s and Pete’s Team Members Welcome to Payactiv! Whether you receive most of your income in tips or hourly wages, Payactiv gives you the flexibility to access the money you already earned on-demand. It’s not a loan and there’s no interest. It’s just your money when you need it. Tips & Mileage Front - [Payactiv for Wasserstrom Holdings Team Members](https://payactiv.com/a/wh/) - PAYACTIV FOR WASSERSTROM HOLDINGS TEAM MEMBERS 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 mobile app1 and transfer them to your existing bank account, - [Payactiv for WenJAI Restaurant Team Members](https://payactiv.com/a/wenjai/) - PAYACTIV FOR WENJAI RESTAURANT GROUP TEAM MEMBERS 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 - [Payactiv for Valvoline Team Members](https://payactiv.com/a/valvoline/) - PAYACTIV FOR VALVOLINE TEAM MEMBERS 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, debit card, - [Payactiv for Unifi Team Members](https://payactiv.com/a/unifi/) - PAYACTIV FOR UNIFI PARTNERS TEAM MEMBERS 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, debit - [Payactiv for The Schroer Group Team Members](https://payactiv.com/a/tsg/) - PAYACTIV FOR THE SCHROER GROUP FAMILY OF COMPANIES TEAM MEMBERS 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 - [Payactiv for The Key Team Members](https://payactiv.com/a/thekey/) - PAYACTIV FOR the key AFFILIATES TEAM MEMBERS Get paid as you earn Get the wages you’ve earned from hours you’ve already worked directly into your bank account or Payactiv Visa® card*. Use it to pay bills, get a ride, and pick up cash at Walmart. No loans, no interest–just your money, in your hands. Join - [Payactiv for The Fresh Market Team Members](https://payactiv.com/a/thefreshmarket/) - PAYACTIV FOR THE FRESH MARKET TEAM MEMBERS Get paid as you earn Get the wages you’ve earned from hours you’ve already worked directly into your bank account or Payactiv Visa® card*. Use it to pay bills, get a ride, and pick up cash at Walmart. No loans, no interest–just your money, in your hands. Join - [Payactiv for Switchgrass Taco Bueno Team Members](https://payactiv.com/a/tacobueno/) - PAYACTIV FOR TACO BUENO TEAM MEMBERS 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, debit - [Payactiv for Sun Health Team Members](https://payactiv.com/a/sunhealth/) - PAYACTIV FOR SUN HEALTH TEAM MEMBERS 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, debit - [Payactiv for Startek Team Members](https://payactiv.com/a/startek/) - PAYACTIV FOR STARTEK TEAM MEMBERS Take control of your paydays Get better visibility and control over your paydays with the Payactiv mobile app. When you direct deposit your paycheck to the Payactiv Visa® Payroll Card, you can get paid up to 2 days early and receive reimbursements for pay disputes within minutes.1 Join Today Meet - [Payactiv for S&S Activewear Team Members](https://payactiv.com/a/ssactivewear/) - PAYACTIV FOR S&S ACTIVEWEAR TEAM MEMBERS 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 - [Welcome to Payactiv SP Plus](https://payactiv.com/a/spplus/) - Hello SP Plus Team Welcome to Payactiv SP Plus has partnered with Payactiv to offer employees on-demand access to pay, discounts, and savings. Join today 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 wages to your - [Payactiv for Mr Sparkle Car Wash Team Members](https://payactiv.com/a/sparkle/) - PAYACTIV FOR MR. SPARKLE CAR WASH TEAM MEMBERS 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 - [Welcome to Payactiv Spar](https://payactiv.com/a/spar/) - Hello Spar Team Welcome to Payactiv Spar has partnered with Payactiv to offer employees on-demand access to wages you’ve earned from hours you’ve already worked directly into your bank account or the Payactiv Visa® Card.* No loans, no interest—just your money, in your hands. * This is a Payactiv Visa Prepaid Card issued by Central - [Payactiv for St. Mark Village Team Members](https://payactiv.com/a/smv/) - PAYACTIV FOR St. Mark Village PARTNERS TEAM MEMBERS 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 - [Payactiv for Small and Medium Businesses](https://payactiv.com/a/smb/) - PAYACTIV FOR SMALL AND MEDIUM BUSINESSES (SMBS) 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, - [Payactiv for Self Regional Healthcare team members](https://payactiv.com/a/selfregionalhealthcare/) - Payactiv for Self Regional Healthcare employees Get paid as you earn Get the wages you’ve earned from hours you’ve already worked directly into your bank account or Payactiv card. Use it to pay bills, get a ride, and pick up cash at Walmart. No loans, no interest–just your money, in your hands. Create Your Account - [Payactiv for Salude Team Members](https://payactiv.com/a/salude/) - PAYACTIV FOR SALUDE TEAM MEMBERS 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, debit card, - [Payactiv for RHA Health Services Team Members](https://payactiv.com/a/rha/) - PAYACTIV FOR RHA HEALTH SERVICES TEAM MEMBERS Get paid as you earn Get the wages you’ve earned from hours you’ve already worked directly into your bank account or Payactiv card. Use it to pay bills, get a ride, and pick up cash at Walmart. No loans, no interest–just your money, in your hands. Join today - [Payactiv for Principle LTC Team Members](https://payactiv.com/a/principleltc/) - PAYACTIV FOR PRINCIPLE LTC TEAM MEMBERS 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, debit - [Payactiv for PACS Providence Group Team Members](https://payactiv.com/a/payrollsupport/) - Get paid as you earn Get the wages you’ve earned from hours you’ve already worked directly into your bank account or Payactiv card. Use it to pay bills, get a ride, and pick up cash at Walmart. No loans, no interest–just your money, in your hands. Join today App Store Google Play Download the free - [Payactiv for Parkland Team Members](https://payactiv.com/a/parkland/) - PAYACTIV FOR PARKLAND TEAM MEMBERS 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, debit card, - [Payactiv for Overstock team members](https://payactiv.com/a/overstock/) - Payactiv for Overstock employees Get paid as you earn Get the wages you’ve earned from hours you’ve already worked directly into your bank account or Payactiv card. Use it to pay bills, get a ride, and pick up cash at Walmart. No loans, no interest–just your money, in your hands. Create Your Account App Store - [Payactiv for Omaha Steaks Team Members](https://payactiv.com/a/omahasteaks/) - PAYACTIV FOR OMAHA STEAKS TEAM MEMBERS 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 - [Payactiv for Olympia School District Team Members](https://payactiv.com/a/olympiaschooldistrict/) - PAYACTIV FOR OLYMPIA SCHOOL DISTRICT TEAM MEMBERS 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 mobile app1 and transfer them to your existing bank - [Payactiv for Nurse Next Door Team Members](https://payactiv.com/a/nnd/) - PAYACTIV FOR NURSE NEXT DOOR TEAM MEMBERS 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, - [Payactiv for Neiman Marcus Team Members](https://payactiv.com/a/neimanmarcus/) - PAYACTIV FOR NEIMAN MARCUS TEAM MEMBERS 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, debit - [Payactiv for North American Health Services Team Members](https://payactiv.com/a/nahs/) - Payactiv For North American Health Services Team Members Get paid as you earn Get the wages you’ve earned from hours you’ve already worked directly into your bank account or Payactiv card. Use it to pay bills, get a ride, and pick up cash at Walmart. No loans, no interest–just your money, in your hands. Join - [Payactiv for Murphy USA Team Members](https://payactiv.com/a/musa/) - Exclusively For Murphy Usa Team Members Your money, in your control As an employee of Murphy USA, you can participate in exclusive benefits with Payactiv and get access to your earned wages. Plus, when you get the Payactiv Visa® Card*, you can receive discounts on everyday items including $0.10 per gallon gas discount at MUSA - [Payactiv for Muckleshoot Indian Casino Team Members](https://payactiv.com/a/muckleshootindiancasino/) - Payactiv for Muckleshoot Indian Casino Team Members 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, - [Payactiv for Mr Cooper Group Team Members](https://payactiv.com/a/mrcoopergroup/) - PAYACTIV FOR MR. COOPER GROUP TEAM MEMBERS 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 - [Payactiv for McKibbon Team Members](https://payactiv.com/a/mhm/) - PAYACTIV FOR McKIBBON TEAM MEMBERS 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, debit card, - [Payactiv for Mercy Team Members](https://payactiv.com/a/mercy/) - PAYACTIV FOR MERCY COWORKERS 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, debit card, or - [Payactiv for Meduit Team Members](https://payactiv.com/a/meduit/) - PAYACTIV FOR MEDUIT TEAM MEMBERS 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 - [Payactiv for Medicalodges Team Members](https://payactiv.com/a/medicalodges/) - PAYACTIV FOR MEDICALODGES TEAM MEMBERS Get paid as you earn Get the wages you’ve earned from hours you’ve already worked directly into your bank account or Payactiv card. Use it to pay bills, get a ride, and pick up cash at Walmart. No loans, no interest–just your money, in your hands. Join today App Store - [Payactiv for MasterCorp Team Members](https://payactiv.com/a/mastercorp/) - PAYACTIV FOR MASTERCORP TEAM MEMBERS 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 - [Payactiv for LAZ Parking Team Members](https://payactiv.com/a/lazparking/) - PAYACTIV FOR LAZ PARKING TEAM MEMBERS 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, debit - [Payactiv for Kindercare Education Team Members](https://payactiv.com/a/kce/) - PAYACTIV FOR KINDERCARE EDUCATION TEAM MEMBERS 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, debit - [Payactiv for HVMG Team Members](https://payactiv.com/a/hvmg/) - PAYACTIV FOR HOSPITALITY VENTURES MANAGEMENT GROUP TEAM MEMBERS 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 - [Payactiv for HGS Team Members](https://payactiv.com/a/hgs/) - PAYACTIV FOR HGS TEAM MEMBERS 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, debit card, - [Payactiv for Forman Mills Team Members](https://payactiv.com/a/formanmills/) - PAYACTIV FOR FORMAN MILLS TEAM MEMBERS 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 mobile app1 and transfer them to your existing bank account - [Payactiv for Five Star Senior Living team members](https://payactiv.com/a/fivestarseniorliving/) - Payactiv for Five Star Senior Living employees Get paid as you earn Get the wages you’ve earned from hours you’ve already worked directly into your bank account or Payactiv card. Use it to pay bills, get a ride, and pick up cash at Walmart. No loans, no interest–just your money, in your hands. Create Your - [Payactiv for FedEx team members](https://payactiv.com/a/fedex/) - payactiv for fedex team members Access money you've already earned Get the wages you’ve earned from hours you’ve already worked directly into your bank account or Payactiv card. Use it to pay bills, get a ride, and pick up cash at Walmart. No loans, no interest–just your money, in your hands. Create Your Account App - [Payactiv for Falls of Neuse team members](https://payactiv.com/a/fallsofneuse/) - Payactiv for Falls of Neuse employees Get paid as you earn Get the wages you’ve earned from hours you’ve already worked directly into your bank account or Payactiv card. Use it to pay bills, get a ride, and pick up cash at Walmart. No loans, no interest–just your money, in your hands. Create Your Account - [Payactiv for Ecumen Team Members](https://payactiv.com/a/ecumen/) - PAYACTIV FOR ECUMEN TEAM MEMBERS 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, debit card, - [Payactiv for Deaconess Health Team Members](https://payactiv.com/a/dh/) - PAYACTIV FOR DEACONESS HEALTH TEAM MEMBERS 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, debit - [Welcome to Payactiv Domino's](https://payactiv.com/a/dominos/) - Hello Domino's Team Welcome to Payactiv Domino’s has partnered with Payactiv to offer employees on-demand access to pay, discounts, and savings. Join today 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 wages to your bank or - [Payactiv for Devereux Team Members](https://payactiv.com/a/devereux/) - PAYACTIV FOR DEVEREUX TEAM MEMBERS 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, debit card, - [Payactiv for Community Systems Team Members](https://payactiv.com/a/communitysystems/) - PAYACTIV FOR COMMUNITY SYSTEMS TEAM MEMBERS 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, debit - [Payactiv for Covenant Living Communities Team Members](https://payactiv.com/a/clc/) - PAYACTIV FOR COVENANT LIVING COMMUNITIES TEAM MEMBERS Get paid as you earn Get the wages you’ve earned from hours you’ve already worked directly into your bank account or Payactiv card. Use it to pay bills, get a ride, and pick up cash at Walmart. No loans, no interest–just your money, in your hands. Join today - [Payactiv for Cadence Living Team Members](https://payactiv.com/a/cadence/) - PAYACTIV FOR CADENCE LIVING TEAM MEMBERS 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, debit - [Payactiv for Brickyard Team Members](https://payactiv.com/a/brickyardhc/) - PAYACTIV FOR BRICKYARD TEAM 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, debit card, or - [Payactiv for Brandt Hospitality Team Members](https://payactiv.com/a/brandt/) - PAYACTIV FOR BRANDT HOSPITALITY TEAM MEMBERS 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, debit - [Payactiv for Bosselman Enterprises Team Members](https://payactiv.com/a/bosselmanenterprises/) - Payactiv for Bosselman Enterprises Team Members Get paid as you earn Get the wages you’ve earned from hours you’ve already worked directly into your bank account or Payactiv card. Use it to pay bills, get a ride, and pick up cash at Walmart. No loans, no interest–just your money, in your hands. Join today App - [Payactiv for Switchgrass Burger King Team Members](https://payactiv.com/a/bking/) - PAYACTIV FOR BURGER KING TEAM MEMBERS 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, debit - [Payactiv for Baycare Team Members](https://payactiv.com/a/baycare/) - PAYACTIV FOR BAYCARE TEAM MEMBERS 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, debit card, - [Payactiv for American Vision Team Members](https://payactiv.com/a/avp/) - PAYACTIV FOR AMERICAN VISION PARTNERS TEAM MEMBERS Get paid as you earn Get the wages you’ve earned from hours you’ve already worked directly into your bank account or Payactiv card. Use it to pay bills, get a ride, and pick up cash at Walmart. No loans, no interest–just your money, in your hands. Join today - [Payactiv for Advantage Solutions team members](https://payactiv.com/a/advantagesolutions/) - Get paid as you earn Get the wages you’ve earned from hours you’ve already worked directly into your bank account or Payactiv card. Use it to pay bills, get a ride, and pick up cash at Walmart. No loans, no interest–just your money, in your hands. Join today App Store Google Play Download the free - [Payactiv for Arosa team members](https://payactiv.com/a/arosa/) - Payactiv for Arosa team members Get paid as you earn Get the wages you’ve earned from hours you’ve already worked directly into your bank account or Payactiv card. Use it to pay bills, get a ride, and pick up cash at Walmart. No loans, no interest–just your money, in your hands. Join today App Store - [Payactiv for Activus Connect Team Members](https://payactiv.com/a/activusconnect/) - PAYACTIV FOR ACTIVUS CONNECT TEAM MEMBERS 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, debit - [Payactiv for American Addiction Center Team Members](https://payactiv.com/a/americanaddictioncenter/) - PAYACTIV FOR AMERICAN ADDICTION CENTER TEAM MEMBERS 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, - [Welcome to Payactiv Applebee's](https://payactiv.com/a/applebees/) - Hello Applebee's Team Welcome to Payactiv Applebee’s has partnered with Payactiv to offer employees on-demand access to pay, discounts, and savings.And now, join Applebee’s on Connect to get the latest news and updates from your team. Join today Stay Connected to Work Whether it’s receiving kudos from your manager, achieving new milestones, or getting notified - [Payactiv for Acts Retirement Life Communities Team Members](https://payactiv.com/a/acts/) - PAYACTIV FOR ACTS RETIREMENT-LIFE COMMUNITIES TEAM MEMBERS 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, - [Paycor Wallet for Paycor Employees](https://payactiv.com/a/paycor/paycor-employees) - PAYCOR WALLET POWERED BY PAYACTIV Get the - [Create a Workplace of Belonging with EWA](https://payactiv.com/ukg-wallet/create-a-workplace-of-belonging-with-ewa/) - Create a Workplace of Belonging with EWA Blog | October 13, 2023 | 3 Minutes Read Intro With more companies incorporating Belonging, Equity, and Impact (BE&I) initiatives in their work environments, employees across America feel more comfortable in their jobs, which in turn boosts their creativity and productivity. Earned Wage Access (EWA). EWA gives employees access - [Thank you](https://payactiv.com/ukg-wallet/thank-you) - Thank you! UKG Wallet is a mobile banking and financial wellness tool designed to help organizations reduce employees’ financial stress and improve retention and engagement rates. This valuable offering is a high impact, low effort solution that empowers employees to bring their best to work, foster a more positive working environment, and be more engaged - [ukg-wallet](https://payactiv.com/ukg-wallet/) - [Revolutionizing Financial Wellness for Employees](https://payactiv.com/ukgwallet/revolutionizing-financial-wellness) - Free Resource Revolutionizing Financial Wellness for Employees Employees are looking for more flexibility on how they’re paid. Employers are looking for ways to keep their employees engaged while minimizing turnover. UKG’s powerful digital wallet, loaded with financial wellness resources, allows employees to gain momentum on their financial journey. UKG Wallet gives employees access to earned - [Information Security Program](https://payactiv.com/information-security-program/) - Information Security Program Payactiv maintains and implements an Information Security Program (the “Program”), which establishes proper policies, procedures, and standards in accordance with PCI/SOC/ISO controls to help protect the confidentiality, integrity, and availability of all information and data, whether in electronic or tangible form. The Program helps protect against anticipated or actual threats or hazards, - [Financial Counseling](https://payactiv.com/for-you/financial-counseling/) - FREE 1:1 FINANCIAL COUNSELING Manage your finances like a pro with KOFE Get helpful budgeting skills and savings strategies Learn about your options to reduce and pay off debt Understand and improve your credit score Book an appointment right from the app Make an appointment Trusted coaches The KOFE coaches are certified credit counselors, and - [Data Processing Agreement](https://payactiv.com/data-processing-agreement/) - Data Processing Agreement Effective January 1, 2023 This Data Privacy Agreement (“DPA”) applies to any services agreement between Payactiv and Client (“Agreement”) and is incorporated by reference when the CCPA covers Client’s use of the Services and the processing of Personal Information. This DPA ensures that Payactiv’s processing of Personal Information complies with the CCPA. - [TIPS EWA](https://payactiv.com/tips-ewa/) - PAYACTIV FOR FOOD SERVICE EMPLOYEES Welcome to Payactiv! Whether you receive most of your income in tips or hourly wages, Payactiv gives you the flexibility to access the money you already earned on-demand. It’s not a loan and there’s no interest. It’s just your money when you need it. Tips & Mileage Front of house - [Earned Wage Access for Subway Franchisees](https://payactiv.com/earned-wage-access-for-subway-franchisees/) - Earned wage access for Subway® Get Payactiv for Your Subway® Store 3 Steps to Get Started with Payactiv Get a LiveIQ activation code for your store location. How to get your activation code Fill out the form below. Our partner team at Paychex will be in touch to get you started. When your store is - [Upgrade to Payactiv](https://payactiv.com/upgrade-to-payactiv) - More Than Just On-Demand Pay Cultivate an engaged workforce and maximize employee retention by offering comprehensive financial wellness benefits including Earned Wage Access, automatic saving and budgeting tools, financial coaching and more. Talk to an Expert Company of the Year in Financial ServicesAmerican Business AwardsCorporate Social Responsibility Program of the YearAmerican Business AwardsBest for the - [Murphy 50MDR](https://payactiv.com/murphy-50mdr/) - Payactiv x Murphy Drive Rewards Points Save BIG on Gas, Snacks & More Your Payactiv Visa® Card* helps you save 10c/gallon at the pump – every time.And now, you can unlock 50 MDR points every payday when you sign up for direct paycheck deposit & transfer $200+.This is a Payactiv Visa Card issued by Central - [Murphy 50MDR FAQ](https://payactiv.com/murphy-50mdr-faq/) - Payactiv x Murphy Drive Rewards Your Questions, Answered Your Payactiv Visa® Card* helps you save 10c/gallon1 at the pump – every time. And now, you can unlock 50 MDR points2 every payday when you receive a direct deposit of $200+ on your Payactiv Visa Card. * This is a Payactiv Visa Card issued by Central - [Murphy](https://payactiv.com/murphy/) - Earn More Get 10¢ off all year round Use the PAYACTIV VISA® CARD and get 10¢ off/gallon. Get Started Stack the savings Find exclusive discounts on the Payactiv app Get 10¢ off/gallon when you pay with your Payactiv Visa Card No unnecessary fees to get users the best value for their hard earned money Get Started - [Payactiv for Associa Team Members](https://payactiv.com/a/asc/) - PAYACTIV FOR ASSOCIA TEAM MEMBERS 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, debit card, - [Payactiv for Carrols team members](https://payactiv.com/a/carrols/) - PAYACTIV FOR CARROLS EMPLOYEES Get paid as you earn Get the wages you’ve earned from hours you’ve already worked directly into your bank account or Payactiv card. Use it to pay bills, get a ride, and pick up cash at Walmart. No loans, no interest–just your money, in your hands. Create Your Account App Store - [Webinar Video Lighthouse Research Fireside Chat The Real Way Your Workforce Defines Flexibility](https://payactiv.com/webinar-video-lighthouse-research-fireside-chat-the-real-way-your-workforce-defines-flexibility) - The Real Way Your Workforce Defines Flexibility Lighthouse Research Fireside Chat Get Payactiv for your business Learn how thousands of companies have improved their retention, recruitement, and engagement by offering Payactiv. Request Demo - [QSR](https://payactiv.com/qsr/) - Earned wage access Financial wellness tools for your employees Help your employees fully engage in both work and life with our all-in-one Livelihood platform that takes a holistic approach in improving financial wellness and increasing employee satisfaction. Get in touch with me Payactiv at a glance Payactiv offers a best-in-class employee financial wellness and engagement - [Partner Resources](https://payactiv.com/partner-resources/) - PARTNERING FOR SUCCESS Offering engaging financial wellness solutions together Payactiv partners with companies of all sizes to meet the demand for more competitive payroll, financial wellness, and workforce engagement solutions that today’s workforce is looking for. Submit a Lead Sales Material Payactiv at a glance Payactiv offers a best-in-class employee financial wellness and engagement platform - [Benefitfocus](https://payactiv.com/partners/benefitfocus/) - IN PROUD PARTNERSHIP WITH BENEFITFOCUS Offering engaging financial wellness solutions together Payactiv partners with Benefitfocus to meet the demand for more competitive and inclusive payroll and HR management solutions that today’s workforce is looking for. Submit a Lead Sales Material Payactiv at a glance Payactiv offers a best-in-class employee financial wellness and engagement platform that - [Thank you for Livelihood request](https://payactiv.com/thank-you-for-livelihood-request/) - Thank you for reaching out! We will get in touch very shortly. In the meantime, you may want to check out... Case studies, webinars, and white papers in our Insights section Go to Insights - [Financial Literacy Resources](https://payactiv.com/financial-literacy/) - FinLit Resources Start building your know-how on money matters like debt, saving, and budgeting to improve your overall financial wellbeing. 5 Steps to Organize Your Finances The importance of having a financial plan can’t be overstated because without a plan it’s easy to get overwhelmed by day-to-day expenses and make wrong choices. So take the - [How Much Will a $1,000 Loan Cost You?](https://payactiv.com/financial-literacy/how-much-will-a-1000-loan-cost-you/) - How Much Will a $1,000 Loan Cost You? The first step to avoiding these high-interest loans is to know, how much you end up paying in interest? Businesses will often advertise only the low monthly payments to bait you, but at minimum payments you will never be able to get out of debt. Learn how - [Prioritize and Payoff Loans](https://payactiv.com/financial-literacy/prioritize-and-payoff-loans/) - Prioritize and Payoff Loans Paying off your loans is great because you’ll be debt-free, but a lot of people don’t know the best place to start. What loans should you pay off first? Should you be saving at the same time as you pay off loans, or should you tackle only one or the other? - [What is Fin-Tax? Why and How to Avoid It?](https://payactiv.com/financial-literacy/what-is-fintax-why-and-how-to-avoid-it/) - What is Fin-Tax? Why and How to Avoid It? Financial services like banking, credit cards, and loans have a higher cost if your income and credit score are low. Learn how to identify and avoid predatory products and services. - [Your Guide to Saving $500-$1,000 for Emergencies](https://payactiv.com/financial-literacy/guide-to-saving-for-emergency-fund/) - Your Guide to Saving $500-$1,000 for Emergencies An emergency fund is a must for everyone to be prepared for the unexpected expenses. Without savings, it’s only a matter of time when you will need that extra cash and end up taking an expensive loan. So, even if you are not making a lot, it’s important - [5 Steps to Feel Less Stress and Better Organize Your Finances](https://payactiv.com/financial-literacy/5-steps-financial-plan/) - 5 Steps to Organize Your Finances The importance of having a financial plan can’t be overstated because without a plan it’s easy to get overwhelmed by day-to-day expenses and make wrong choices. So take the time to get organized, budget and gain more control of your finances. Use this 5 steps guide to get started. - [Payactiv for AccessPlus Team Members](https://payactiv.com/accessplus/) - Get up to $150 with Access+ Introducing Access+: free cash advances up to $150 to cover life’s unexpected expenses and help you avoid overdraft fees. Get started Join more than 59k people that love us in the app stores “This app is a life saver! Not to mention easy to use and always there when - [Dedicated Enrollment Confirmation](https://payactiv.com/dedicated-enrollment-confirmation/) - Success! Thank you for signing up! As Payactiv goes live with your employer, we’ll be in touch with your login details and how to claim your $20 reward. If you haven’t already, download the Payactiv app from the app store to get a head start. App Store Google Play - [Payactiv for Chickie’s and Pete’s Team Members](https://payactiv.com/a/cp/) - Payactiv for Chickie’s and Pete’s Team Members Welcome to Payactiv! Whether you receive most of your income in tips or hourly wages, Payactiv gives you the flexibility to access the money you already earned on-demand. It’s not a loan and there’s no interest. It’s just your money when you need it. Tips & Mileage Front - [Payactiv Visa Card - Get Paid Early](https://payactiv.com/lp/card-gp2de) - Payactiv Visa Card Your money, in your control Get paid up to 2 days early,1 track spending, save automatically, pay friends, and pay bills without paying a fee. Smart saving, spending, earning, and discounts—together. Apply Now Designed to give you control, not the other way around.2021 Winner of B-Corp Best for the World™ for Excellence - [Payactiv Card - Get Paid Early](https://payactiv.com/lp/card-5) - Payactiv Visa Card Your money, in your control Get paid up to 2 days early,1 track spending, save automatically, pay friends, and pay bills without paying a fee. Smart saving, spending, earning, and discounts—together. Apply Now Designed to give you control, not the other way around.2021 Winner of B-Corp Best for the World™ for Excellence - [Card](https://payactiv.com/lp/card-4) - Your money, in your control Track your spending, automate your savings, and get paid up to 2 days early1 — all with no hidden fees*, ever. Access exclusive discounts through the Payactiv discount marketplace with our award-winning app and card. Apply Today 2021 Winner of B-Corp Best for the World™ for Positive Social Impact, Digital - [Card](https://payactiv.com/lp/card-3) - The All-in-one App That Works for You Your earnings, spending and savings with you in control. All-in-one app to get paid up to 2 days early,1 spend and save with confidence, pay friends, and pay bills without paying a fee. Apply Today Your money when you need it Life’s expenses don’t wait and neither should - [Card](https://payactiv.com/lp/card-2) - Keep Life Moving Smoothly Your earnings, spending and savings with you in control. All-in-one app to get paid up to 2 days early,1 spend and save with confidence, pay friends, and pay bills without paying a fee. Apply Today Your money when you need it Life’s expenses don’t wait and neither should you. Get fast - [Card](https://payactiv.com/lp/card-1) - NottaBank, It's Payactiv Your earnings, spending and savings with you in control. All-in-one app to get paid up to 2 days early,1 spend and save with confidence, pay friends, and pay bills without paying a fee. Apply Today Your money when you need it Life’s expenses don’t wait and neither should you. Get fast access - [ADP Marketplace Platinum Partner](https://payactiv.com/adp-marketplace-platinum-partner/) - Turnkey Earned Wage Access Offering for ADP Clients Give Your Employees the Tools to Achieve Financial Stability 70% of workers say they’re in financial stress and more than 50% say it’s affecting their work. Payactiv provides a financial solution that benefits BOTH employees and employers. Your employees get many financial wellness services and access to - [UKG Card411](https://payactiv.com/ukg-card411/) - Cardholder Agreements and Fee Schedules Prepaid Card Program Name Cards Starting With Cardholder Agreement Fee Schedule UKG Visa® Prepaid Card 4124 2110 1 4124 2110 3 Payroll Card Program Name Cards Starting With Cardholder Agreement Fee Schedule UKG Visa® Payroll Card 4164 9001 0 Restricted Load UKG Visa® Payroll Card 4164 9000 0 - [Murphy USA](https://payactiv.com/lp/murphy-24) - Everyday discounts Save on gas, get paid early Murphy USA has partnered with Payactiv to not only give you 10 cents off per gallon on every visit, but more financial flexibility with the Payactiv Visa® Card* Join Payactiv The app that helps you save more and drive further Designed with you in mind, from saving - [Murphy USA](https://payactiv.com/murphy24/) - Everyday discounts Save on gas, get paid early Murphy USA has partnered with Payactiv to not only give you 10 cents off per gallon on every visit, but more financial flexibility with the Payactiv Visa® Card* Join Payactiv The app that helps you save more and drive further Designed with you in mind, from saving - [Payactiv for MVP](https://payactiv.com/a/mvp/) - PAYACTIV FOR [partnername ] EMPLOYEES PAYACTIV FOR AMERICAN VISION PARTNERS TEAM MEMBERS PAYACTIV FOR FIVE STAR SENIOR LIVING EMPLOYEES Get paid as you earn Get the wages you’ve earned from hours you’ve already worked directly into your bank account or Payactiv card. Use it to pay bills, get a ride, and pick up cash at - [DELAGET](https://payactiv.com/partners/delaget/) - IN PROUD PARTNERSHIP WITH DELAGET Run smarter restaurants with happier employees Payactiv partners with Delaget, a leading provider of restaurant analytics, to empower restaurant managers to run their businesses more efficiently, improve profitability and be the place where employees feel valued. Request Delaget Info Trusted by top brands in the QSR industry Delaget’s award winning - [Survey Results](https://payactiv.com/survey-results/) - Survey In 2020, Payactiv helped me... 24hrs Live | 4,000+ Responses | 100% Real When I was down to $3.00 in my checking account. I thank God for it. 2019 Everyday PayActiv is here for me but when my daughter Birthday came and I was broke PayActiv saved my baby bday thanks guys. 2019 PayActiv - [Brinks Lead Submission](https://payactiv.com/partners/brinks-lead/) - Brinks Lead Form Thank you for partnering with Payactiv! Please fill out the form below with information about yourself and your client. Tell us any relevant follow up details in the Notes section. We look forward to working with you on this opportunity! Our Partnership Team will reach out with any further questions. Have any - [Benefitfocus Lead Submission](https://payactiv.com/partners/benefitfocus-lead/) - Benefitfocus Lead Form Thank you for partnering with Payactiv! Please fill out the form below with information about yourself and your client. Tell us any relevant follow up details in the Notes section. We look forward to working with you on this opportunity! Our Partnership Team will reach out with any further questions. Have any - [Webinar Video Recruiting in a Post-COVID-19 World](https://payactiv.com/webinar-video-recruiting-in-post-covid-19-world) - Recruiting in a Post-COVID-19 World Payactiv takes a holistic approach to improving financial wellness and increasing employee satisfaction. Get Payactiv for your business Learn how thousands of companies have improved their retention, recruitement, and engagement by offering Payactiv. Request Demo Resources Overview: Earned Wage Access Case Study: The Results Company Whitepaper: American Workers in Crisis - [Webinar Video Stand Out In The Hiring Process](https://payactiv.com/webinar-video-stand-out-in-the-hiring-process/) - Stand Out in the Hiring Process The Benefit Your Essential Workers Actually Want Get Payactiv for your business Learn how thousands of companies have improved their retention, recruitement, and engagement by offering Payactiv. Request Demo Resources White Papers Case Studies Webinars - [Thank you for reaching out](https://payactiv.com/thank-you-contact-us/) - Thank you for reaching out! We will get in touch very shortly. In the meantime, you may like to check out... Case studies, webinars, and white papers in our Insights section Go to Insights - [Thank you for demo request](https://payactiv.com/thank-you-demo-request/) - Thank you for reaching out! We will get in touch very shortly. In the meantime, you may want to check out... Case studies, webinars, and white papers in our Insights section Go to Insights - [Partner Lead Submission Thankyou](https://payactiv.com/partner-lead-submission-thankyou/) - Lead Sent! Thank you for submitting your lead! A confirmation email has been sent to the email provided. Our Partnership Team will review your lead and get back to you soon.Thank you for partnering with us to bring financial wellness services to workers and businesses everywhere!If you have any questions you can email our team - [Partner Lead Registration](https://payactiv.com/partner-lead-registration/) - Partner Sales Please use this form to submit your leads to Payactiv. Tell us any relevant follow up details about your lead in the Notes section. After you submit your lead, the Payactiv Partnership Team will review your lead and reach out with any further questions. Have any questions about submitting a lead?You can email - [Lively Card App](https://payactiv.com/lively-card-app/) - [Lively App](https://payactiv.com/lively-app/) - [Payactiv App Redirect](https://payactiv.com/thank-you/app-redirect) - [Why Payactiv](https://payactiv.com/why-payactiv/) - The average hourly worker’s family loses $3,600+ a year in fees and interest just to get and use money they already earned. That’s about half the cost of rent. When companies provide Payactiv, workers keep more of their wages and get free of the fee-debt cycle. $43 billion paid annually in subprime auto and buy-here-pay-here ## Landing Pages - [Elementor Landing Page #50754](https://payactiv.com/elementor-landing-page-50754/) - Add Your Heading Text Here Add Your Heading Text Here Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec Add Your Heading Text Here Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec Add Your Heading Text Here Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut ## Headers - [Header Primary](https://payactiv.com/header/header-primary/) - For You For Companies Insights About Us Contact Us Log In For You For Companies Insights About Us Contact Us Request a Demo Log In - [Paychex - Landing Page](https://payactiv.com/header/paychex-landing-page/) - Get Started - [Developers](https://payactiv.com/header/developers/) - Home Product Catalog Contact Us Log In Home Product Catalog Contact Us Log In - [Header Transparent](https://payactiv.com/header/header-transparent/) - For You For Companies Insights About Us Contact Us Log In For You For Companies Insights About Us Contact Us Request a Demo Log In - [Header Sticky B2B](https://payactiv.com/header/header-sticky-b2b/) - For You For Companies Insights About Us Contact Us Log In Request a Demo For You For Companies Insights About Us Contact Us Request a Demo Log In - [Header Secondary](https://payactiv.com/header/header-secondary/) - For You For Companies Insights About Us Contact Us Log In For You For Companies Insights About Us Contact Us Request a Demo Log In Latest Financial Learning Blog Resources Case Studies Industry Insights Webinars Videos Latest Financial Learning Blog Resources Case Studies Industry Insights Webinars Videos Search - [Paycor User-facing Header](https://payactiv.com/header/paycor-user-facing-header/) - Get Started - [Franciscan Ministries Header](https://payactiv.com/header/franciscan-ministries-header/) - Join today - [UKG simple header](https://payactiv.com/header/ukg-simple-header/) - Get Started - [Campaigns Generic Header](https://payactiv.com/header/campaigns-generic-header/) - Get Started - [Subway Franchise Conference](https://payactiv.com/header/subway-franchise-conference/) - [Paychex User-facing Header](https://payactiv.com/header/paychex-user-facing-header/) - Get Started - [Paychex no CTA](https://payactiv.com/header/paychex-no-cta/) - [Unenrolled Campaign Generic Header](https://payactiv.com/header/unenrolled-campaign-generic-header/) - Get Started - [header PA generic](https://payactiv.com/header/header-pa-generic/) - [ForYou new](https://payactiv.com/header/foryou-new/) - For You For Companies Insights About Us Contact Us Log In For You For Companies Insights About Us Contact Us Request a Demo Log In On-Demand Pay Payactiv Visa® Card Tips & Mileage Payroll Card On-Demand Pay Payactiv Visa® Card Tips & Mileage Payroll Card Search - [Header Sticky PA Card](https://payactiv.com/header/header-sticky-pa-card/) - For You For Companies Insights About Us Contact Us Log In Get Payactiv Card For You For Companies Insights About Us Contact Us Request a Demo Log In - [Secondary-2](https://payactiv.com/header/secondary-2/) - For You For Companies Insights About Us Contact Us Log In For You For Companies Insights About Us Contact Us Request a Demo Log In About Us Team Impact Our Story Press Careers In the News Awards About Us Team Impact Our Story Press Careers In the News Awards Search - [Secondary-1](https://payactiv.com/header/secondary-1/) - For You For Companies Insights About Us Contact Us Log In For You For Companies Insights About Us Contact Us Request a Demo Log In Earned Wage Access Payroll Card Tips & Mileage Savings Calculator Financial Wellness Partnerships Earned Wage Access Payroll Card Tips & Mileage Savings Calculator Financial Wellness Partnerships Search - [Header Sticky Primary](https://payactiv.com/header/header-sticky-primary/) - For You For Companies Insights About Us Contact Us Log In Get Started For You For Companies Insights About Us Contact Us Request a Demo Log In - [ADS Header](https://payactiv.com/header/ads-header/) - Contact Us - [Generic Header](https://payactiv.com/header/generic-header/) - Join today - [Empty](https://payactiv.com/header/empty/) - [Lead Gen LP Header](https://payactiv.com/header/elementor-53112/) - [Macys Inc Header](https://payactiv.com/header/macys-inc-header/) - Download the App Download App - [UKG Seller Client Lead](https://payactiv.com/header/ukg-seller-client-lead/) - [Header Banner Blue](https://payactiv.com/header/header-banner-blue/) - For You For Companies Insights About Us Contact Us Log In For You For Companies Insights About Us Contact Us Request a Demo Log In - [UKG Lead General Header](https://payactiv.com/header/ukg-lead-general-header/) - Product Tour - [On-Shift Generic Header](https://payactiv.com/header/on-shift-generic-header/) - [PaycorWallet-Header](https://payactiv.com/header/paycorwallet-header/) - GET STARTED - [Murphy header](https://payactiv.com/header/murphy/) - Get Started - [Paycor header](https://payactiv.com/header/paycor-header/) - [Comerica bank header](https://payactiv.com/header/comerica-bank-header/) - Join today - [PIZZA RANCH header](https://payactiv.com/header/pizza-ranch-header/) - [Livelihood Index Header](https://payactiv.com/header/livelihood-index-header/) - For You For Companies Insights About Us Contact Us Log In Request Info - [Chickie's and Pete's Header](https://payactiv.com/header/chickies-and-petes-header/) - Learn More - [HCA header](https://payactiv.com/header/hca/) - Join today - [WenJAI Restaurant Header](https://payactiv.com/header/wenjai-restaurant-header/) - Join today - [Get-started](https://payactiv.com/header/get-started/) - [Generic TIPS EWA](https://payactiv.com/header/generic-tips-ewa/) - Learn More - [AccessPlus header](https://payactiv.com/header/accessplus-header/) - Get started - [Muckleshoot Indian Casino header](https://payactiv.com/header/muckleshoot-indian-casino-header/) - Join today - [Mr Sparkle Carwash Header](https://payactiv.com/header/mr-sparkle-carwash-header/) - Join today - [Valvoline Header](https://payactiv.com/header/valvoline-header/) - Join today - [Acts Retirement-Life Communities header](https://payactiv.com/header/acts-retirement-life-communities-header/) - Join today - [Activus Connect header](https://payactiv.com/header/activus-connect-header/) - Join today - [Neiman Marcus Header](https://payactiv.com/header/neiman-marcus-header/) - Join today - [Forman Mills Header](https://payactiv.com/header/forman-mills-header/) - Join today - [Olympia School District header](https://payactiv.com/header/olympia-school-district-header/) - Join today - [Deaconess Health Header](https://payactiv.com/header/deaconess-health-header/) - Join today - [HGS Header](https://payactiv.com/header/hgs-header/) - Join today - [Associa header](https://payactiv.com/header/associa-header/) - Join today - [The Schroer Group](https://payactiv.com/header/the-schroer-group/) - Join today - [Generic Microsite sm-blue header](https://payactiv.com/header/generic-microsite-sm-blue-header/) - [MurphyUSA Header - noBTN](https://payactiv.com/header/murphyusa-header-nobtn/) - [Competitor Campaign Header](https://payactiv.com/header/competitor-campaign-header/) - Talk to an Expert - [Community Systems header](https://payactiv.com/header/community-systems-header/) - Join today - [Xome header](https://payactiv.com/header/xome-header/) - Join today - [Mr Cooper Group header](https://payactiv.com/header/mr-cooper-group-header/) - Join today - [NHM Mckibbon header](https://payactiv.com/header/nhm-mckibbon-header/) - Join today - [Mercy header](https://payactiv.com/header/mercy-header/) - Join today - [Devereux Header](https://payactiv.com/header/devereux-header/) - Join today - [Ecumen header](https://payactiv.com/header/ecumen-header/) - Join today - [Brandt Hospitality header](https://payactiv.com/header/brandt-hospitality-header/) - Join today - [Cadence Living Header](https://payactiv.com/header/cadence-living-header/) - Join today - [Sun Health Health](https://payactiv.com/header/sun-health-health/) - Join today - [S&S Activewear Header](https://payactiv.com/header/ss-activewear-header/) - Join today - [Principle LTC Header](https://payactiv.com/header/principle-ltc-header/) - Join today - [Wasserstrom Holdings Header](https://payactiv.com/header/wasserstrom-holdings-header/) - Join today - [Nurse Next Door Head](https://payactiv.com/header/nurse-next-door-head/) - Join today - [Unifi Header](https://payactiv.com/header/unifi-header/) - Join today - [KCE Kindercare Education Header](https://payactiv.com/header/kce-kindercare-education-header/) - Join today - [HVMG Header](https://payactiv.com/header/hvmg-header/) - Join today - [RHA Health Services header](https://payactiv.com/header/rha-health-services-header/) - Join today - [Baycare Header](https://payactiv.com/header/baycare-header/) - Join today - [Subway Franchise Header](https://payactiv.com/header/subway-franchise-header/) - Get Started - [MasterCorp Header](https://payactiv.com/header/mastercorp-header/) - Join today - [MUSA Murphy USA EE Header](https://payactiv.com/header/musa-murphy-usa-ee-header/) - Join today - [SMALL AND MEDIUM BUSINESSES Header](https://payactiv.com/header/small-and-medium-businesses-header/) - Join today - [American Vision header](https://payactiv.com/header/american-vision-header/) - Join today - [Bosselman Enterprises header](https://payactiv.com/header/bosselman-enterprises-header/) - Join today - [Medicalodges header](https://payactiv.com/header/medicalodges-header/) - Join today - [North American Health Services Header](https://payactiv.com/header/north-american-health-services-header/) - Join today - [PACS Providence Group header](https://payactiv.com/header/pacs-providence-group-header/) - Join today - [Switchgrass Taco Bueno Header](https://payactiv.com/header/switchgrass-taco-bueno-header/) - Join today - [Switchgrass Burger King Header](https://payactiv.com/header/switchgrass-burger-king-header/) - Join today - [American Addiction Center Header](https://payactiv.com/header/american-addiction-center-header/) - Join today - [LAZ Parking Header](https://payactiv.com/header/laz-parking-header/) - Join today - [St. Mark Village Header](https://payactiv.com/header/st-mark-village-header/) - Join today - [GLC - Salude Header](https://payactiv.com/header/glc-salude-header/) - Join today - [GLC - Brickyard Header](https://payactiv.com/header/glc-brickyard-header/) - Join today - [Startek Header](https://payactiv.com/header/startek-header/) - Join today - [Omaha Steaks Header](https://payactiv.com/header/omaha-steaks-header/) - Join today - [Parkland Header](https://payactiv.com/header/parkland-header/) - Join today - [Ford F150 Sweepstakes header](https://payactiv.com/header/ford-f150-sweepstakes-header/) - Apply for Card - [Meduit header](https://payactiv.com/header/meduit-header/) - Join today - [CLC Covenant Living Communities Header](https://payactiv.com/header/clc-covenant-living-communities-header/) - Join today - [test searchbar](https://payactiv.com/header/test-searchbar/) - Earned Wage Access Payroll Card Tips & Mileage Savings Calculator Financial Wellness Partnerships Earned Wage Access Payroll Card Tips & Mileage Savings Calculator Financial Wellness Partnerships Search - [search](https://payactiv.com/header/search/) - Search - [The Fresh Market Header](https://payactiv.com/header/the-fresh-market-header/) - Join today - [Join today - primary header](https://payactiv.com/header/join-today-primary-header/) - Get Started - [Card Facebook Header](https://payactiv.com/header/card-facebook-header/) - Get Started - [MVP header](https://payactiv.com/header/mvp-header/) - Join today - [fy1 for you header](https://payactiv.com/header/fy1-for-you-header/) - Join Today - [Murphy24 header](https://payactiv.com/header/murphy24-header/) - Join Payactiv - [LP Header Search](https://payactiv.com/header/lp-header-sad/) - Get Started - [Test Header card4 fy1](https://payactiv.com/header/test-header-card4-fy1/) - Apply Today - [Advantage Solutions Header](https://payactiv.com/header/advantage-solutions-header/) - [Self Regional Healthcare header](https://payactiv.com/header/self-regional-healthcare-header/) - [Falls of Neuse header](https://payactiv.com/header/falls-of-neuse-header/) - [Five Star Senior Living header](https://payactiv.com/header/five-star-senior-living-header/) - [Overstock header](https://payactiv.com/header/overstock-header/) - [Spar header](https://payactiv.com/header/spar-header/) - [Financial Literacy Submenu](https://payactiv.com/header/financial-literacy-submenu/) - For You For Companies Insights About Us Contact Us Log In FinLit Guides FinLit Guides - [Mercy](https://payactiv.com/header/mercy/) - [Subway Header](https://payactiv.com/header/subway-header/) - Join Today! ## Footers - [Footer Primary User-Facing](https://payactiv.com/footer/footer-primary/) - Linkedin TwitterX Facebook Instagram For you On-Demand Pay Digital Wallet App VISA® Card Log In Support Help For companies Livelihood Platform Earned Wage Access Financial Wellness Payroll Card Tips and Mileage Savings Calculator Partnerships Request a Demo Insights Blog Resources Case Studies Webinars Industry Insights Testimonials About About Impact News Press Careers Contact us Trust - [Footer Primary User Facing Paycor](https://payactiv.com/footer/footer-primary-user-facing-paycor/) - Linkedin TwitterX Facebook Instagram For you On-Demand Pay Digital Wallet App VISA® Card Log In Support Help For companies Livelihood Platform Earned Wage Access Financial Wellness Payroll Card Tips and Mileage Savings Calculator Partnerships Request a Demo Insights Blog Resources Case Studies Webinars Industry Insights Testimonials About About Impact News Press Careers Contact us Trust - [Macys Footer](https://payactiv.com/footer/macys-footer/) - © 2025 Payactiv, Inc. All Rights Reserved.1.877.937.6966 | www.payactiv.com/help Your Privacy Choices Linkedin TwitterX Facebook Instagram Youtube * The Payactiv Visa® Prepaid Card is issued by Central Bank of Kansas City, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Certain fees, terms, and conditions are associated with the approval, maintenance, and use of - [Forman Mills Footer](https://payactiv.com/footer/forman-mills-footer/) - Linkedin TwitterX Facebook Instagram For you On-Demand Pay Digital Wallet App VISA® Card Log In Support Help For companies Livelihood Platform Earned Wage Access Financial Wellness Payroll Card Tips and Mileage Savings Calculator Partnerships Request a Demo Insights Blog Resources Case Studies Webinars Industry Insights Testimonials About About Impact News Press Careers Contact us Trust - [Murphy footer](https://payactiv.com/footer/murphy/) - © 2025 Payactiv, Inc. All Rights Reserved.1.877.937.6966 | www.payactiv.com/help Your Privacy Choices Linkedin TwitterX Facebook Instagram Youtube *The Payactiv Visa Prepaid Card is issued by Central Bank of Kansas City, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Certain fees, terms, and conditions are associated with the approval, maintenance, and use of the - [Office Pride](https://payactiv.com/footer/office-pride/) - © 2025 Payactiv, Inc. All Rights Reserved.1.877.937.6966 | www.payactiv.com/help Your Privacy Choices Linkedin TwitterX Facebook Instagram Youtube - [Microsites Generic Footer](https://payactiv.com/footer/microsites-generic-footer/) - © 2025 Payactiv, Inc. All Rights Reserved.1.877.937.6966 | www.payactiv.com/help Your Privacy Choices Linkedin TwitterX Facebook Instagram Youtube - [Microsites Generic Footer Full](https://payactiv.com/footer/microsites-generic-footer-full/) - Linkedin TwitterX Facebook Instagram For you On-Demand Pay Digital Wallet App VISA® Card Log In Support Help For companies Livelihood Platform Earned Wage Access Financial Wellness Payroll Card Tips and Mileage Savings Calculator Partnerships Request a Demo Insights Blog Resources Case Studies Webinars Industry Insights Testimonials About About Impact News Press Careers Contact us Trust - [Campaigns Footer](https://payactiv.com/footer/campaigns-footer/) - © 2024 Payactiv, Inc. All Rights Reserved.1.877.937.6966 | www.payactiv.com/help Your Privacy Choices Linkedin TwitterX Facebook Instagram Youtube - [Footer - paycard](https://payactiv.com/footer/footer-paycard/) - Linkedin TwitterX Facebook Instagram For you On-Demand Pay Digital Wallet App VISA® Card Log In Support Help For companies Livelihood Platform Earned Wage Access Financial Wellness Payroll Card Tips and Mileage Savings Calculator Partnerships Request a Demo Insights Blog Resources Case Studies Webinars Industry Insights Testimonials About About Impact News Press Careers Contact us Trust - [Footer Primary - NEW](https://payactiv.com/footer/footer-primary-new/) - Linkedin TwitterX Facebook Instagram For you On-Demand Pay Digital Wallet App VISA® Card Log In Support Help For companies Livelihood Platform Earned Wage Access Financial Wellness Payroll Card Tips and Mileage Savings Calculator Partnerships Request a Demo Insights Blog Resources Case Studies Webinars Industry Insights Testimonials About About Impact News Press Careers Contact us Trust - [Footer Primary Client-Facing](https://payactiv.com/footer/footer-primary-client-facing/) - Linkedin TwitterX Facebook Instagram For you On-Demand Pay Digital Wallet App VISA® Card Log In Support Help For companies Livelihood Platform Earned Wage Access Financial Wellness Payroll Card Tips and Mileage Savings Calculator Partnerships Request a Demo Insights Blog Resources Case Studies Webinars Industry Insights Testimonials About About Impact News Press Careers Contact us Trust - [Card page Footer](https://payactiv.com/footer/card-page-footer/) - Linkedin TwitterX Facebook Instagram For you On-Demand Pay Digital Wallet App VISA® Card Log In Support Help For companies Livelihood Platform Earned Wage Access Financial Wellness Payroll Card Tips and Mileage Savings Calculator Partnerships Request a Demo Insights Blog Resources Case Studies Webinars Industry Insights Testimonials About About Impact News Press Careers Contact us Trust - [ForYou Footer](https://payactiv.com/footer/foryou-footer/) - Linkedin TwitterX Facebook Instagram For you On-Demand Pay Digital Wallet App VISA® Card Log In Support Help For companies Livelihood Platform Earned Wage Access Financial Wellness Payroll Card Tips and Mileage Savings Calculator Partnerships Request a Demo Insights Blog Resources Case Studies Webinars Industry Insights Testimonials About About Impact News Press Careers Contact us Trust - [Footer Footnote](https://payactiv.com/footer/footer-footnote/) - Linkedin TwitterX Facebook Instagram For you On-Demand Pay Digital Wallet App VISA® Card Log In Support Help For companies Livelihood Platform Earned Wage Access Financial Wellness Payroll Card Tips and Mileage Savings Calculator Partnerships Request a Demo Insights Blog Resources Case Studies Webinars Industry Insights Testimonials About About Impact News Press Careers Contact us Trust - [Mercy](https://payactiv.com/footer/mercy/) - © 2025 Payactiv, Inc. All Rights Reserved.1.877.937.6966 | www.payactiv.com/help Facebook Instagram Youtube - [Spar footer](https://payactiv.com/footer/spar-footer/) - © 2025 Payactiv, Inc. All Rights Reserved.1.877.937.6966 | www.payactiv.com/help Linkedin TwitterX Facebook Instagram * The Payactiv Visa® Prepaid Card is issued by Central Bank of Kansas City, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Certain fees, terms, and conditions are associated with the approval, maintenance, and use of the Card. You should - [Card LP footer](https://payactiv.com/footer/card-lp-footer/) - Linkedin TwitterX Facebook Instagram App Store Google Play Download the Payactiv app Privacy Terms Privacy Notice for California Residents © 2025 Payactiv, Inc. All Rights Reserved *The Payactiv Visa Prepaid Card is issued by Central Bank of Kansas City, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Certain fees, terms, and conditions are - [Ford F150 Sweepstakes footer](https://payactiv.com/footer/ford-f150-sweepstakes-footer/) - © 2025 Payactiv, Inc. All Rights Reserved.1.877.937.6966 | www.payactiv.com/help Linkedin TwitterX Facebook Instagram - [Subway Franchise EE](https://payactiv.com/footer/subway-franchise-ee/) - Linkedin TwitterX Facebook Instagram For you On-Demand Pay Digital Wallet App VISA® Card Log In Support Help For companies Livelihood Platform Earned Wage Access Financial Wellness Payroll Card Tips and Mileage Savings Calculator Partnerships Request a Demo Insights Blog Resources Case Studies Webinars Industry Insights Testimonials About About Impact News Press Careers Contact us Trust - [Microsites Generic Footer - footnote](https://payactiv.com/footer/microsites-generic-footer-footnote/) - © 2025 Payactiv, Inc. All Rights Reserved.1.877.937.6966 | www.payactiv.com/help Linkedin TwitterX Facebook Instagram Youtube Many (but not all) employers, government benefits providers, and other originators send direct deposits early with an effective of 1-2 days later. Beginning with your second direct deposit of at least $5 from the same source, Central Bank of Kansas City - [Microsites Generic Footer - sm](https://payactiv.com/footer/microsites-generic-footer-sm/) - © 2025 Payactiv, Inc. All Rights Reserved.1.877.937.6966 | www.payactiv.com/help Linkedin TwitterX Facebook Instagram Youtube - [MurphyUSA Microsite Footer -ftnote](https://payactiv.com/footer/murphyusa-microsite-footer-ftnote/) - Linkedin TwitterX Facebook Instagram For you On-Demand Pay Digital Wallet App VISA® Card Log In Support Help For companies Livelihood Platform Earned Wage Access Financial Wellness Payroll Card Tips and Mileage Savings Calculator Partnerships Request a Demo Insights Blog Resources Case Studies Webinars Industry Insights Testimonials About About Impact News Press Careers Contact us Trust - [Wasserstrom Holdings Footer](https://payactiv.com/footer/wasserstrom-holdings-footer/) - Linkedin TwitterX Facebook Instagram For you On-Demand Pay Digital Wallet App VISA® Card Log In Support Help For companies Livelihood Platform Earned Wage Access Financial Wellness Payroll Card Tips and Mileage Savings Calculator Partnerships Request a Demo Insights Blog Resources Case Studies Webinars Industry Insights Testimonials About About Impact News Press Careers Contact us Trust - [Olympia School District Footer](https://payactiv.com/footer/olympia-school-district-footer/) - Linkedin TwitterX Facebook Instagram For you On-Demand Pay Digital Wallet App VISA® Card Log In Support Help For companies Livelihood Platform Earned Wage Access Financial Wellness Payroll Card Tips and Mileage Savings Calculator Partnerships Request a Demo Insights Blog Resources Case Studies Webinars Industry Insights Testimonials About About Impact News Press Careers Contact us Trust - [Omahasteaks footer](https://payactiv.com/footer/omahasteaks-footer/) - Linkedin TwitterX Facebook Instagram For you On-Demand Pay Digital Wallet App VISA® Card Log In Support Help For companies Livelihood Platform Earned Wage Access Financial Wellness Payroll Card Tips and Mileage Savings Calculator Partnerships Request a Demo Insights Blog Resources Case Studies Webinars Industry Insights Testimonials About About Impact News Press Careers Contact us Trust - [WenJAI Restaurant Footer](https://payactiv.com/footer/wenjai-restaurant-footer/) - Linkedin TwitterX Facebook Instagram For you On-Demand Pay Digital Wallet App VISA® Card Log In Support Help For companies Livelihood Platform Earned Wage Access Financial Wellness Payroll Card Tips and Mileage Savings Calculator Partnerships Request a Demo Insights Blog Resources Case Studies Webinars Industry Insights Testimonials About About Impact News Press Careers Contact us Trust - [Murphy 50MDR Footer](https://payactiv.com/footer/murphy-50mdr-footer/) - © 2025 Payactiv, Inc. All Rights Reserved.1.877.937.6966 | www.payactiv.com/help Linkedin TwitterX Facebook Instagram * The Payactiv Visa Prepaid Card is issued by Central Bank of Kansas City, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Certain fees, terms, and conditions are associated with the approval, maintenance, and use of the Card. You should - [UKG simple footer](https://payactiv.com/footer/ukg-simple-footer/) - © 2025 UKG Wallet, powered by Payactiv, Inc. All Rights Reserved 24/7/365 Customer Service: 1 (855) 854-0485 | ukgwalletsupport@payactiv.com | www.payactiv.com/ukgwallet-help - [Paycor Wallet footer](https://payactiv.com/footer/paycor-wallet-footer/) - © 2025 Paycor Wallet, powered by Payactiv, Inc. All Rights Reserved 24/7/365 Customer Service: 1 (877) 937 6966 | support@payactiv.com | www.payactiv.com/help - [On-Shift Footer](https://payactiv.com/footer/on-shift-footer/) - © 2025 OnShift Wallet, All Rights Reserved.855-210-9410 | www.payactiv.com/help - [Microsites Generic Footer Full - nocard](https://payactiv.com/footer/microsites-generic-footer-full-nocard/) - Linkedin TwitterX Facebook Instagram For you On-Demand Pay Digital Wallet App VISA® Card Log In Support Help For companies Livelihood Platform Earned Wage Access Financial Wellness Payroll Card Tips and Mileage Savings Calculator Partnerships Request a Demo Insights Blog Resources Case Studies Webinars Industry Insights Testimonials About About Impact News Press Careers Contact us Trust ## Categories - [Press Releases](https://payactiv.com/category/press/) - Discover the latest news, articles, and press releases from Payactiv. Stay informed about the most recent partnerships, events, and company updates. - [Financial Learning](https://payactiv.com/category/financial-learning/) - Get on top of your finances with Payactiv’s Financial Learning program. Learn money management tricks and tips to reach your financial goals. - [Infographics](https://payactiv.com/category/infographics/) - Discover Payactiv’s financial wellness infographics, designed to provide helpful insights and tips to improve your financial health. - [Videos](https://payactiv.com/category/videos/) - Watch our informative videos on financial wellness, earned wage access, employee engagement, and more. - [Case Studies](https://payactiv.com/category/case-studies/) - Case Studies Payactiv’s case studies demonstrate how the earned wage access solution helps businesses reduce turnover and support employees’ financial well-being. - [Webinars](https://payactiv.com/category/webinars/) - Learn from industry experts and thought leaders on a variety of financial wellness topics through Payactiv’s informative webinars. - [Blog](https://payactiv.com/category/blog/) - Payactiv’s blog is your go-to source for insights and information about financial wellness, employee benefits, and industry trends. Stay informed and empowered. - [Interviews](https://payactiv.com/category/interviews/) - [Featured](https://payactiv.com/category/featured/) - Featured Discover our top and latest featured posts covering various topics from finance, technology, and wellness. - [Industry Insights](https://payactiv.com/category/industry-insights/) - The Industry Insights page provides valuable information and updates on the latest trends and developments in the financial industry. - [Resources](https://payactiv.com/category/resources/) - Discover Payactiv’s suite of resources to help you take control of your finances and learn about our earned wage access program. - [Good Cents by Payactiv Podcast](https://payactiv.com/category/good-cents-podcast/) - Good Cents Podcast is a financial wellness podcast discussing topics such as savings, budgeting, investing, and debt management. - [UKG Webinars](https://payactiv.com/category/ukg-webinars/) ## Tags - [Financial Wellness Programs](https://payactiv.com/tag/financial-wellness-programs/) - [Earned Wage Access (EWA)](https://payactiv.com/tag/earned-wage-access-ewa/) - [Employee Financial Stress](https://payactiv.com/tag/financial-stress/) - [PayActiv News](https://payactiv.com/tag/payactiv-news/) - [Restoring Dignity](https://payactiv.com/tag/restoring-dignity/) - [Savings Tips](https://payactiv.com/tag/savings-tips/) - [Employee Benefits](https://payactiv.com/tag/employee-benefits/) - [Business Outcomes of Financial Wellness](https://payactiv.com/tag/outcomes-of-effective-financial-wellness-programs/) - [Healthcare Benefits](https://payactiv.com/tag/healthcare-benefits/) - [Retention](https://payactiv.com/tag/retention/) - [Benefits for hourly workers](https://payactiv.com/tag/benefits-for-hourly-workers/) - [Benefits for Essential Workers](https://payactiv.com/tag/benefits-for-essential-workers/) - [HR Leaders: Interview Series](https://payactiv.com/tag/hr-leaders-interviews/) - [Employee Financial Wellness](https://payactiv.com/tag/employee-financial-wellness/) - [Senior Care Worker Benefits](https://payactiv.com/tag/senior-care-worker-benefits/) - [Boosting Productivity](https://payactiv.com/tag/boosting-productivity/) - [Boosting Employee Engagement](https://payactiv.com/tag/boosting-employee-engagement/) - [Prepaid Card](https://payactiv.com/tag/prepaid-card/) - [Covid-19 Pandemic](https://payactiv.com/tag/covid-19-pandemic/) - [Job Searching](https://payactiv.com/tag/job-searching/) - [Employee Benefits B Corp](https://payactiv.com/tag/employee-benefits-b-corp/) - [Hiring Tips](https://payactiv.com/tag/hiring-tips/) - [Recruitment](https://payactiv.com/tag/recruitment/) - [Post Covid-19 Pandemic Employee Benefits](https://payactiv.com/tag/post-covid-19-pandemic-employee-benefits/) - [Rehiring](https://payactiv.com/tag/rehiring/) - [Tip Distribution](https://payactiv.com/tag/tip-distribution/) - [Recruiting Gen Z](https://payactiv.com/tag/recruiting-gen-z/) - [Payroll Card](https://payactiv.com/tag/payroll-card/) - [Financial Planning](https://payactiv.com/tag/financial-planning/) - [Retail Worker Benefits](https://payactiv.com/tag/retail-worker-benefits/) - [Livelihood App & Platform](https://payactiv.com/tag/livelihood-app-and-platform/) - [Awards](https://payactiv.com/tag/awards/) - [Benefits for Hospitality Workers](https://payactiv.com/tag/benefits-for-hospitality-workers/) - [Restaurant Worker Benefits](https://payactiv.com/tag/restaurant-worker-benefits/) - [Connect Platform](https://payactiv.com/tag/connect-platform/) - [Debt](https://payactiv.com/tag/debt/) - [Absenteeism](https://payactiv.com/tag/absenteeism/) - [Budgeting](https://payactiv.com/tag/budgeting/) - [B2B](https://payactiv.com/tag/b2b/) - [Employee Communication](https://payactiv.com/tag/employee-communication/) - [payroll](https://payactiv.com/tag/payroll/) - [Employer Benefit](https://payactiv.com/tag/employer-benefit/) - [Tax Education](https://payactiv.com/tag/tax-education/) - [Deskless Workforce](https://payactiv.com/tag/deskless-workforce/) - [Equal Pay](https://payactiv.com/tag/equal-pay/) - [Credit Cards 101](https://payactiv.com/tag/credit-cards-101/) - [Labor Shortage](https://payactiv.com/tag/labor-shortage/) - [Good Cents by Payactiv](https://payactiv.com/tag/good-cents-by-payactiv/) - [Paycheck Direct Deposit](https://payactiv.com/tag/paycheck-direct-deposit/) - [Payactiv Visa Card](https://payactiv.com/tag/payactiv-visa-card/) - [Manufacturing Employee Benefits](https://payactiv.com/tag/manufacturing-employee-benefits/) - [Earning](https://payactiv.com/tag/earning/) - [Paycor](https://payactiv.com/tag/paycor/) - [Free Financial Coaching](https://payactiv.com/tag/free-financial-coaching/) - [Black History Month](https://payactiv.com/tag/black-history-month/) - [Family Finances](https://payactiv.com/tag/family-finances/) - [Thanksgiving](https://payactiv.com/tag/thanksgiving/) - [Halloween](https://payactiv.com/tag/halloween/) - [Winter Holidays](https://payactiv.com/tag/winter-holidays/) - [Borrowing](https://payactiv.com/tag/borrowing/) - [PayActiv Partner](https://payactiv.com/tag/payactiv-partner/) - [Uber](https://payactiv.com/tag/uber/) - [Onboarding Tips](https://payactiv.com/tag/onboarding-tips/) - [Inflation](https://payactiv.com/tag/inflation/) - [Emergency Fund](https://payactiv.com/tag/emergency-fund/) - [EWA](https://payactiv.com/tag/ewa/) - [Summer Travel](https://payactiv.com/tag/summer-travel/) - [budget travel](https://payactiv.com/tag/budget-travel/) - [recruiting trends](https://payactiv.com/tag/recruiting-trends/) - [Stevie Award](https://payactiv.com/tag/stevie-award/) - [Award](https://payactiv.com/tag/award/) - [On-Demand Pay](https://payactiv.com/tag/on-demand-pay/)