Your Earnings, Spending, and Savings With You in Control
Welcome to Payactiv
Get paid as you earn with employer participation
Get the wages you’ve earned from hours you’ve already worked directly into your bank account or Payactiv card. Use it to pay bills, get a ride, and pick up cash at Walmart. No loans, no interest–just your money, in your hands.
Banking for real life for everyone
Create a Payactiv account and enjoy faster access to their pay along with the convenience of the Payactiv Visa® Card.1 With top-notch security and spend guidance at your fingertips to start saving immediately, it’s your earnings, spending, and savings with you in control.
Faster access to your money
• Up to 2 days early deposit of your paycheck2
• Up to 4 days early deposit of government payments2
• Immediate access to wages earned today3
Easy, free, instant mobile payments
• Receive and send funds to other members
• Send funds by phone number
• Money is available immediately
SmartSpend and SmartSave to stay on track with your goals
• Always know what’s safe to spend
• Track your spending habits at a glance
• Be alerted of low balance
• Auto transfer from earned wages3
Grow savings with real-time insights on what’s possible
• Automated insights on what’s possible to save
• See your savings grow with each paycheck
• Get financial advice for near- and long-term plans
• 1-1 phone service with trained financial coaches
Banking without the hidden fees
• No minimum balance requirements
• No overdrafts
• No monthly or inactivity fees
• Surcharge-free withdrawals at 37,000+ MoneyPass® ATMs
• Free integrated bill pay
• Cash withdrawal at tellers in participating banks
Convenience and security, you can count on
• Use the card with Google Pay or Apple Wallet
• Touchless payments at stores
• FDIC insured
• Protected by Visa’s Zero Liability protection
• Lock or replace lost or stolen cards
• 24/7/365 support in English and Spanish
Designed with purpose
• Made from 98 percent upcycled plastic
• Uses plastic waste that might otherwise end up in a landfill
• Comes in 3 color choices
For more information visit www.payactiv.com
1The Payactiv Visa® Prepaid Card is issued by Central Bank of Kansas City, Member FDIC, pursuant to a license from/by 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 any questions regarding the Card or such fees, terms, and conditions, you can contact us toll-free 24/7/365 at 1 (877) 747-5862.
2 Many (but not all) employers, government benefits providers, and other originators send direct deposits early with an effective date of 1-4 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 Prepaid 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.
3 Earned Wage Access requires employer participation.
- New improved dashboard bringing visibility to daily earnings, bills, account balances
- Feature-rich card dashboard
- Peer to peer payments to other members
- Apple Pay and Google Pay support
- Easy one-click shortcuts to frequent actions
- Detailed drawer with account and profile settings
- SmartSpend and SmartSave features to help savings
- Connect feature to stay informed of account activity and announcements
- Improved navigation
- Detailed FAQ and easy access to online chat
- 2-factor authentication
Ratings and Reviews
Chats with customer service agent
I am not completely sure how you can have started a chat and went through the entire spill of explaining of what you need assistance with, then it takes the customer service agent so long to reply that the chat session times out. So you start the chat over, re explain your issue and another “customer service 2” agent comes on the chat and asks “how can I help you”. Please work on this with the customer service agents and please express importance of timely responses so the chat does not time out and the customer is not feeling like we don’t matter. Also if a PayActiv user has recently been promoted to a supervisor position and the PayActiv account has been deactivated it would be nice to get an alert and or email notification about that change so that it is known and can be reactivated sooner than later. As far as the advances goes, it is a great benefit to have access to, I love PayActiv for the convenience of pay advances. Thank you !!
Great Concept, Poor Delivery
When my employer sent out an email saying they were partnering with Payactiv and the benefits of it, I was excited! After using the app though, I was extremely disappointed. It seems like there is ALWAYS some kind of issue. At first I struggled with the “help chat”, and that seems to have been resolved. Then I struggled with my app updating once a month and showing pending for disbursements that had already been deducted from my paycheck (hasn’t been resolved). Now I am struggling with inaccurate fund availability. They tell you to send your time sheet to payactiv@notifyops and NOTHING EVER GETS UPDATED. I had a tire blow the other day and got it towed to a shop. I was short a little bit of cash, and had to get to work, so I told the shop I would return after work to pay for and pick up the vehicle. This happened in the morning, so I reached out to payactiv to see if they could update my balance, and waited, waited, WAITED... never updated. I reached out again in the afternoon, and was told it was sent with high priority to the concern department and they clearly weren’t concerned because my balance NEVER got updated. This company has a lot of work to do, especially in their customer service department. I know other companies that are partnered with this one too and if some of the things myself and others mentioned aren’t fixed, I will be putting in a request to partner with a different company. I hate payactiv
Developer Response ,
Hi Lexybby189, PayActiv is all about providing a helping hand in the times of trouble. We are sorry that you could not utilize us when you needed us the most. Kindly drop us a line at email@example.com including your username and the employee ID. We will ensure that you don't have to face any inconvenience on the app again.
I have been using payactiv on and off again for about 2 years now. Recently, my hours have not been updating and I have to constantly send in timesheets. I email the time in sheets and only half of my time on my timesheet is accounted for by Payactiv. I worked 75 hours one week and 20 hours the next and only a quarter of that is accessible. I do t know what’s going on, but people who want to use this app need to know this problem.
Also, when I brought up the issue to customer service that my hours were not updating, customer service suggested I wasn’t clocking in and out correctly. I’ve been at my job for 5 years, I know how to clock in and out. Also, my timesheet hasn’t indicated that there was an issue with that.
Developer Response ,
Hi there, we sincerely apologize for the troubles you've had with the app. We'd be happy to assist you and look into this issue for you, but due to limited details, we were unable to locate your information in our system. Kindly email us your details at firstname.lastname@example.org, include your employer name, employee ID, and mobile number. In the subject line of your email please mention "App reviews" so that we can check your account details and resolve any problems associated with it.
Data Not Collected
The developer does not collect any data from this app.
Privacy practices may vary, for example, based on the features you use or your age. Learn More
- PayActiv Inc.
- 104.1 MB
- Requires iOS 11.0 or later.
- Requires iPadOS 11.0 or later.
- iPod touch
- Requires iOS 11.0 or later.
- Requires macOS 11.0 or later and a Mac with Apple M1 chip.
- Age Rating
- © 2021
With Family Sharing set up, up to six family members can use this app.