An all-inclusive Financial Wellness platform

Everybody! Even if your employer isn’t enrolled in Payactiv, you can apply for the Payactiv Visa Card* and receive your paycheck up to 2 days early¹ and use our in-app savings tools, prescription discounts, and 1:1 financial counseling.

¹ We give you access to your direct deposits from employer and government payers on the day we receive them, which is typically up to 2 days earlier than your scheduled pay date.

If you have Payactiv from work, you will see hours worked and your current earnings in the app and you can transfer the accessible amount to your bank, card or get as cash.

Funds accessed using Payactiv will show as a deduction on your next paycheck.

We make money from the “interchange rate” when you use the Payactiv Visa Card* for online or in-store purchases. That’s the fee a merchant pays us with every card transaction. If you get Payactiv through your employer and have a Payactiv Visa Card with direct deposit of $200 or more per pay period, you can access your earned wages² at no cost when funds are transferred to the Payactiv Card. Creating a Payactiv account is free for all users and contains many free features including bill pay, discounts, financial counseling, and budgeting and savings tools. If your employer offers EWA, you can view disbursement options and fees at payactiv.com/program-pricing. Payactiv Visa Card users with direct deposit (minimum required) enjoy fee-free³ real-time EWA transfers and additional exclusive discounts.

² Central Bank of Kansas City does not administer, nor is liable for earned wage access.
³ To qualify, you must have one (1) successful direct deposit of $200 or more to the per pay period. If this qualification isn’t met, then a load fee of $1.99 will be charged.

Payactiv uses time and attendance data to provide earned wage access to  employees. It works with existing systems and there’s no cost to the business in offering Payactiv services as an employee benefit.