We are Payactiv.

Work happens every day, while access to its value can take weeks.

That gap between earning and receiving creates financial strain, turning ordinary expenses into difficult choices.

We recognized that financial well-being is shaped by both the amount people earn and the moment their earned money becomes available.

Payactiv helped create the industry, and employers helped make our vision real. HR leaders recognized the effect that the timing of pay was having on their people. Payroll professionals understood how earned wages could be verified and delivered while preserving the integrity of payroll.

They were the early believers. Together, we established the model, demonstrated its value, and brought timely access to earned money into the economic mainstream.

Today, Payactiv provides the platform and infrastructure behind Earned Wage Access for more than 245,000 businesses. Hundreds of integrations connect employers, workforce systems, payroll providers, banks, and payment networks—while our infrastructure handles everything from verifying earnings and managing risk to moving and settling hundreds of millions of dollars each month with the reliability and security modern financial systems demand.

Behind every API call, risk decision, and transaction is a hard-working person—and a moment that matters. It’s more than money, it’s groceries, a utility bill, a car repair, and the stress that surround it.

We have a simple purpose: to improve financial lives by making earned money more accessible, with greater choice and control.

• Paying utility bills on time
• Caring for a family member
• Buying gas and groceries
• Repairing their car or home

Payactiv is both a public benefit corporation and a Certified B Corporation. Purpose is built into the structure of our company, the architecture of our platform, and the decisions we make. We create value for employees, employers, partners, and shareholders by building an enduring institution around a genuine human need.

Payactiv provides the connective tissue that brings these systems together and turns earned money into something people can access, move, and manage with greater freedom.

Our work began with Earned Wage Access, and our vision continues to grow: to establish the access standard for earned money and make financial timing work better for everyone.