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.
Designed to give you control, not the other way around.
2021 Winner of B-Corp Best for the World™ for Excellence Beyond Profit, Digital Wallet Impact Innovation Award, and American Business Award for Company of the Year in Financial Services.
Get paid early with direct deposit
Get fast access to your money, use everywhere Visa® debit cards are accepted and get surcharge-free withdrawals at 37,000 MoneyPass® ATMs.
- Get paid up to 2 days early1
- Gov’t payments up to 4 days early1
- Access to wages earned anytime2
Pay friends and pay bills, fee-free
Splitting the check for lunch? You can send and receive money between you and other Payactiv Visa Card* cardholders. And pay bills directly from the app, no more hassle of mailing checks.
- Add a phone number
- Receive and send funds
- Money moves in seconds
Save everyday on Fuel and Rx
- Save 10 cents per gallon at Murphy USA
- Save up to 80% on Rx medicines
Grow your savings for rainy days and big dreams
- SmartSave goal setting for your budget
- Automated savings to help you succeed
- 1-1 advice for near- and long-term planning
Spend safely with smart guidance
Our mobile banking technology does the work so you stay on track with spending and saving goals.
- Know what’s safe to spend
- Be alerted of low balance
- Track spending habits at a glance
- Auto transfer from earned wages2
Over 65,000 reviews
“This app is a life safer! Not to mention easy to use and always there when I need it!.”
– Payactiv User
“The ability to not only access your pay early but also to directly pay your biller is a life saver!! Thank you, Payactiv!”
– Payactiv User
Peace of mind – included
- FDIC insured through CBKC*
- Visa’s Zero Liability protection3
- Lock lost or stolen cards from the app
- 24/7/365 bilingual support
Contactless payments
The card is equipped with RFID, so you can add to Apple Pay or Google Pay, making it a simpler and more secure way to pay than using your physical card.
No hidden fees* ever
- No activation fees
- No monthly maintenance fees or inactivity fees
Your earnings, spending, and savings with you in control
Use the digital card immediately.
Have questions? We have answers.
Is the Payactiv card a credit card?
No. Payactiv Visa® Card1 is a prepaid card issued by Central Bank of Kansas City, Member FDIC, pursuant to a license from Visa U.S.A.
How long does it take to receive my card?
After you apply in the app or online, you can use the virtual card right away. The physical card will arrive by mail in 7 to 10 business days.
How can I check my balance on the card?
You may check your card balance at any time by using the PayActiv mobile app, website (payactiv.com), or by calling our customer service at (877) 937-6966.
How much does it cost to get the card?
Zero. There is no activation fees, monthly fees, inactivity fees, or other fees. See the Cardholder Agreement and the Fee Schedule at payactiv.com/card411.
© 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 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 you have questions regarding the Card or such fees, terms, and conditions, you can contact us toll-free at 1(877) 747-5862, 24 hours a day, 7 days a week.
1 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 (CBKC) will post the funds to your Payactiv Visa Card when we receive it, rather than on the effective date. This may result in your having access to the funds sooner. The date CBKC receives your direct deposit and the effective date are controlled by the originator.
2 Earned Wage Access requires employer participation.
3 Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your issuer for more detail.
Google Play and the Google Play logo are trademarks of Google LLC.
Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents.