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.
Every day you work, a portion of your earned wages will be available to you in the Payactiv app. It is totally up to you when and how you want to transfer these funds.
*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.
Take your finances to the next level with the convenience of the Payactiv Visa Card.
Payactiv Tip Disbursements require employer participation. If your company offers Payactiv Tips, all you need is your name, phone number, employer, and employee ID. That’s it! You can find your employee ID on your pay stub or ask your manager.
Creating a Payactiv account is free for all users and contains many free features including bill pay, discounts, financial counseling, and budgeting and savings tools. If your employer offers EWA, you can view disbursement options and fees at payactiv.com/program-pricing. Payactiv Visa Card users with direct deposit (minimum required) enjoy free real-time EWA transfers and additional exclusive discounts.
No. You can transfer your earned wages to a bank account, a debit card, pick it up as cash at Walmart, or even use your wages to pay for Uber or shop on Amazon. The benefit of using the Payactiv Visa Card is that you don’t pay any fees when you set up direct deposit on the card.
Transfers to bank accounts and other debit/prepaid cards are completed within 48hrs. Bank transfers made after 12:50 PM EST M-F are processed the next business day.
Expedited real-time transfers can be made for a small fee.
There is no catch! It’s just your money in your hands. It’s not a loan and has no hidden fees. Ever
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.
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 877-747-5862, 24 hours a day, 7 days a week.
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* The Payactiv Visa Prepaid Card and the Payactiv Visa Payroll Card are 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.
** Central Bank of Kansas City does not administer, nor is liable for earned wage access.
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