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 processing here.
The highest safety and security
Information Security
We maintain and implement an Information Security Program, which establishes proper policies, procedures and standards in accordance with PCI/SOC/ISO controls to help protect the confidentiality and integrity of all information and data we collect and store.
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Privacy Policy
We take the privacy of our users seriously and comply with all applicable privacy laws.
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Data Processing Agreement
We are compliant with the California Consumer Privacy Act and adhere to safe and secure data processing standards.
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Confidentiality
We’ll protect your confidential information. Contact your sales representative to execute our Confidentiality Agreement.
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Good for people and businesses alike
B Corporation
As a Public Benefit Corporation and Certified B-Corp, consumer protection and social responsibility are at the heart of our mission. We adhere to the highest standards of public transparency, legal accountability, and fair and transparent pricing.
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Compliance Handbook
Our EWA program is carefully designed to comply with consumer protection standards as well as state and federal wage and labor laws. Compliance is our commitment.
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We believe in treating our clients fairly and have gone to great lengths to ensure that our Master Services Agreement is reasonable to both parties. We have had the leading independent contract rating organization, TermScout, review our agreement, and our MSA received a “Customer Favorable” rating. Just click on the link below, and you can see TermScout’s analysis of our terms.
See ReportRecent policy and regulatory updates
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.
Payactiv Becomes a Licensed Earned Wage Access Provider in Maryland
Payactiv is proud to be a licensed 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 in 2025. Learn MorePayactiv Becomes Licensed EWA Provider in Indiana
Payactiv is pleased to announce that we are now a licensed earned wage access (EWA) provider in Indiana. Learn MoreLouisiana 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.
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. Learn MorePayactiv Becomes Registered Provider in California
In becoming a registered provider, Payactiv commits to upholding consumer protections and reporting data outlined in the California Consumer Financial Protection Law.
Payactiv holds an income-based advances license number 04-CCFPL-2591928-3472134 with the California Department of Financial Protection and Innovation.
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.
Arkansas Becomes Seventh State to Enact EWA Oversight Framework
In enacting this bill, Arkansas recognizes EWA products as a financial service requiring its own, dedicated oversight system distinct from lending frameworks.
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.
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.
Wisconsin Governor Signs Earned Wage Access Legislation
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 on March 21, 2024 by the Democrat governor. The bill creates a new license for EWA providers, which will streamline the onboarding process for Wisconsin employers to readily identify which providers are licensed in the state.
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.
Payactiv Becomes Registered EWA Provider in Missouri
Payactiv recently became one of the first registered EWA providers in Missouri. The new EWA registration system encodes into law many of the best practices that exist in the industry today, including ensuring EWA will always be non-recourse and that there will never be any interest, late fees, penalties, underwriting, or credit impacts. Through the new registration, Payactiv is compliant with all relevant laws and regulations in Missouri.
Montana Attorney General Affirms EWA is Not a Payday Loan
Montana Attorney General Austin Knudsen recently stated in the Montana Administrative Register that EWA products are not payday loans so long as the EWA product is fully nonrecourse; does not condition a transaction on any interest, fees, or other consideration or expenses; and limits transactions to income already earned by the consumer. Payactiv’s EWA program is fully compliant with these parameters.
Arizona Attorney General
On December 18, 2022, Arizona Attorney General Mark Brnovich issued an Opinion on EWA confirming that non-recourse EWA products that do not levy a “finance charge” are not considered consumer loans and are not subject to licensure as commercial lenders in the state. While the Opinion does not address any specific EWA programs by name, Payactiv’s EWA program fits squarely within this framework as a no-interest and non-recourse EWA product that does not impose a finance charge.
Legal FAQs
Read the most commonly asked questions about our Earned Wage Access program
Is Payactiv safe to use?
The Payactiv app, cards, and platform use bank-grade encryption and industry security standards. Payactiv is ISO 27001 certified and SOC 2 Type II attested, and operates under PCI DSS and CCPA-aligned practices — all reflecting compliance with strict internal and external audit requirements.
What security and compliance certifications does Payactiv hold?
Payactiv actively maintains ISO 27001, SOC 2, PCI DSS, and CCPA-aligned practices on its Trust Center, along with a Visa Service Provider badge. Card programs are supported with enterprise-grade security across all 50 states.
How does Payactiv protect and share personal data?
We are required by law to collect your name, address, date of birth, and Social Security number during the enrollment process for identification purposes. This information is only shared with our banking partner, the Central Bank of Kansas City (CBKC), and the verification service provider.
Are deposits insured by the FDIC?
Payactiv funds are FDIC-insured through Central Bank of Kansas City, Member FDIC. FDIC insurance limitations apply.
Is Payactiv licensed to provide Earned Wage Access?
Yes. Payactiv, Inc. (NMLS ID: 2591928) holds an Earned Wage Access services license (2591928EWA) with the Wisconsin Department of Financial Institutions, an EWA license (EWA00009) with the Nevada Financial Institution Division, a California income-based advances license (04-CCFPL-2591928-3472134), and additional state licenses across the United States.
In what states is Payactiv available?
Payactiv operates nationwide across all 50 U.S. states. It holds state-specific EWA or lending licenses in Wisconsin, Nevada, California, Connecticut, Kansas, Missouri, South Carolina, Utah, Indiana, and Maryland, with additional registrations across other states.